Virtual Credit Card in India

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Virtual Credit Card
morpay.org
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Introduction

• If you ask a person whether he can live
  without his debit or credit card? The answer
  would probably be NO. We all admit to the fact
  that our debit and credit cards have eased our
  life to a great extent. Starting from paying
  online bills, online marketing to paying at
  offline shopping malls- it has become a part and
  parcel of our daily life due to the convenience
  that it provides to the people. Due to increasing
  digitisation, everybody is inspired to be in a
  cashless economy. Till now, you can hold your
  debit or credit card, right? We all have a space
  allotted in our purse or wallet where we keep our
  cards. What about if you still have that space
  and can also avail the same functions as these
  cards but cant feel it?

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• YOU GOT IT RIGHT. We are pointing towards
  the concept of having virtual cards and as the
  same suggest, it is virtual, you cannot hold
  these cards in your hand. In the previous post,
  we have unfolded various things related to a
  virtual debit card and we also hope that now, you
  too have a good understanding on that. Today, we
  will be focusing on virtual credit card and will
  look about how one can use that and from where
  you can avail the same.

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What is a virtual credit card and how does it
work?

• We have already told earlier that if you
  are really conscious about the security issues of
  your card, then these virtual cards are worth
  thinking about. Like a regular credit card, a
  virtual credit card also does the same functions
  but, provides you more security. Today, only a
  few financial organisations offer their customers
  these virtual cards for online transaction. As
  this is virtual, the downside of these cards is
  that you cannot use in offline in any shopping
  malls or ATM machines, otherwise, for your online
  activities, it is absolutely PERFECT.

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• Also known as a controlled payment
  number, a virtual credit card is a temporary and
  randomly generated 16-digit number which you can
  use for your online payments. The trick here is
  that, the number of your virtual credit card will
  be linked to your normal credit card but would
  create much difficulties and hindrances forcyber
  criminals and online vendors for their
  unscrupulous events. Virtual credit cards are
  usually managed by some digital wallets. When you
  are about to make a payment online, you simply
  used to put your regular credit card number. In
  case of a virtual credit card, you need to put
  its number in place of your regular credit card.
  You can then proceed as usual. It depends on the
  provider if you have to set any separate credit
  limit and expiry date for your virtual credit
  card for minimising the chances of your credit
  card frauds.

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• Also known as a controlled payment
  number, a virtual credit card is a temporary and
  randomly generated 16-digit number which you can
  use for your online payments. The trick here is
  that, the number of your virtual credit card will
  be linked to your normal credit card but would
  create much difficulties and hindrances forcyber
  criminals and online vendors for their
  unscrupulous events. Virtual credit cards are
  usually managed by some digital wallets. When you
  are about to make a payment online, you simply
  used to put your regular credit card number. In
  case of a virtual credit card, you need to put
  its number in place of your regular credit card.
  You can then proceed as usual. It depends on the
  provider if you have to set any separate credit
  limit and expiry date for your virtual credit
  card for minimising the chances of your credit
  card frauds.

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• So, have a look of this summary below, to know
  the features of a virtual credit card.
• It helps protecting your card information as it
  doesnt compromise with the security.
• It is meant for online activities only.
• Your virtual card details will be different as it
  will have a different account number, expiration
  date and security code.
• The features can also vary.
• Some virtual cards are merchant specific and are
  also meant for one type use.
• These cards may have spending limits too.
• Your online transactions with your virtual credit
  card number will show up as normal credit card in
  your account.

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When to use a virtual credit card?

• Below, are list of some situations when your
  virtual credit card can be of great use.
• Online shopping- disposable credit cards can
  provide you more convenience and security.
• Subscription services- for instance, if you want
  to subscribe for 6 months in Netflix, you can opt
  for your credit card and after 6 months, your
  card will get expired and Netflix cannot charge
  you thereafter.
• In case of potential risky websites- if you
  presume a website to be risky and still want to
  avail its services, you can use your virtual
  credit card with no tension in mind.
• Greater convenience- in case if you lose your
  physical credit card, you dont need to reset all
  the payment information once you get a new
  physical credit card.
• Restricting children from spending a lot- you can
  give access of your virtual credit card to your
  children with a limit instead of handing them
  your actual credit card.

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Ups And Downs Of Using A Virtual Credit Card

• Ups-
• These prepaid cards have added layer of security
  to provide you a more stringent protection
  against fraudulent behaviours.
• Even, if your data gets stolen, you dont have to
  get a new physical credit card.
• Greater convenience and reliability are ensured.
• You can manage multiple virtual credit card
  numbers and its really easy to create.
• You can use some of your virtual credit card
  numbers with some digital wallets.

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Ups And Downs Of Using A Virtual Credit Card

• Downs-
• It is applicable for only online activities.
• There is no extra fraud protections beyond your
  regular card features.
• You may face some troubles with returns.
• Online reservations of hotels and car rentals are
  really impossible.

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From where you can get a virtual credit card?

• AstroPay Card is the fastest growing
  payment solutions. AstroPay card is a virtual
  card and you can use this card to make online
  payments at any website. AstroPay promotes the
  resellers of their cards and MorPay is the most
  significant among them. AstroPay card is the most
  popular virtual prepaid card for making
  withdrawals and deposits. The reasons to opt for
  AstroPay virtual card are that this is really
  fast, secure, reliable, and flexible and can
  maintain your confidentiality. Most importantly,
  you can get your AstroPay card at any currency
  you want. The reason to opt for MorPay is that
  they have affluent customer care services and is
  the most trustworthy to AstroPay.com. You just
  need to register at this website of
  www.morpay.organd need to select the value and
  currency of your AstroPay card. You can then make
  the payment with local payment methods and
  YIPPEEE!!! You will instantly receive an email
  with your AstroPay card information and you are
  GOOD TO GO.

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Authorized re-seller of Astropay
morpay.org