How To Use A Virtual Visa Card In-Store: Your Ultimate Guide

How To Use A Virtual Visa Card In-Store

If you’re looking to make a payment in-store without using your actual credit or debit card, you’re lucky. A virtual visa card could be the perfect solution for you. 

Virtual visa cards are prepaid debit cards that you use anywhere Visa debit cards are accepted. 

And, since they’re prepaid, you won’t have to worry about racking up any extra debt or interest charges.

But how do you use a virtual visa card in-store? This article will explain everything you need to know about virtual visa cards.

How To Use Virtual Visa Card In-Store

You may use a virtual card for contactless payments in stores by connecting it to Apple Pay or Google Pay. Open the Wallet app and touch the plus sign symbol (+) or “Add Card.” 

Go to the store checkout where you are shopping at. Enter your virtual card number, expiration date, and CVV code into the appropriate fields. You should then press “submit” and complete your purchase.

What Is A Virtual Visa Card? 

A virtual Visa card is a unique card that doesn’t connect to any particular bank account. It is a prepaid card that can make online and in-store purchases.

The card doesn’t link to your personal information. As a result, it is an excellent choice if you wish to keep your financial information private. The card comes with a set spending limit, so it is perfect if you want to stay within a budget. 

To use a virtual visa card, you’ll first need to load it with funds. You can do so by transferring money from your bank account. Alternatively, you can use a credit or debit card to top up the virtual visa card. 

Once you have loaded your virtual visa card, you can use it just like any other Visa debit card. A virtual Visa card works just like a regular Visa card, with a few key differences. 

  • You won’t need to carry the physical card around with you. 
  • You can store your virtual visa card details in your digital wallet.
  • The system generates the card number randomly each time you make a purchase. Therefore, it’s harder for fraudsters to steal your information.

Creating A Virtual Visa Card For Use In-Store In A Few Steps

Here are the steps on how to use a virtual visa card in-store:

  1. Go to the website of the virtual visa card issuer. This could be a bank or other financial institution.
  2. Create an account. Once you have an account, you can add a prepaid Visa card to your profile. 
  3. Select “Get a Prepaid Card.” This will bring you to a page where you can enter your information and apply for a virtual visa card.
  4. Once your approval for the card goes through, you will receive an email. The email will include your card number, expiration date, and CVV code. 
  5. You will be able to download an app for your smartphone that will allow you to manage your card.
  6. When you are ready to use your virtual visa card, go to the store’s checkout.
  7. Enter your virtual card number, expiration date, and CVV code into the appropriate fields.
  8. Press “submit” and complete your purchase.

Linking Your Virtual Card To Samsung Pay

You may also use your Virtual Visa card, where Samsung Pay is accepted. 

You can make the Virtual Visa card your preferred card by adding it to your Paypal account. Then link your Samsung Pay account to PayPal. At checkout, you’ll choose PayPal as your preferred payment option.

In this case, you should pick PayPal as your payment method anytime you are at the register. There are no additional fees associated with this method.

Where Can You Use A Virtual Prepaid Visa Card?

You can use virtual visa cards anywhere where Visa cards are accepted. You can choose to use them for various online and in-store purposes;

  • You can use it to make online purchases
  • To withdraw money from an ATM
  • To make purchases in person at the physical store, pharmacy, or grocery
  • To pay bills such as rent or electric
  • You can also use it to pay for services like Netflix, Hulu, or Spotify. 
  • Additionally, you can use it to pay for online subscriptions or memberships.

Is It Possible To Transfer Money From A Virtual Visa Card?

Yes, you can transfer money from a virtual Visa card. You can use the card to make online purchases or withdraw money from an ATM. Keep in mind that there may be fees associated with these activities.

You can use a third-party money transfer service, such as PayPal. PayPal allows you to transfer money from your PayPal account to any other PayPal account. 

Advantages Of Virtual Visa Card

Virtual Visa cards offer several advantages over traditional plastic cards.


Virtual Visa cards typically have lower transaction fees than traditional credit cards. It could be a significant advantage if you frequently make purchases online or overseas.

Online shopping is simple.

They are perfect for online shopping. Its convenience ensures customers can purchase anything they need without leaving their homes. Additionally, online shoppers have access to a much more comprehensive range of products than physical stores.


You can use virtual Visa cards anywhere Visa is accepted, both online and in-store.

It is possible to use them from any device, and many online stores accept them. You can also use them to make payments in foreign currencies without worrying about safe and secure exchange rates.

Safe and Secure 

They are protected by chip-and-PIN technology, making them more secure than traditional credit cards. 

The same safeguards used by banks and other financial institutions protect your personal information. This knowledge can provide peace of mind when shopping online.

Easy to Use

Virtual Visa cards are easy to obtain and use. Once you have the card number, expiration date, and security code, you can use the card for online purchases.

They are reloadable

 You can reload your virtual Visa card whenever you want, ensuring that you always have funds available for online purchases.

Won’t affect your credit score

They have no ties to your bank account or credit card. Therefore, you don’t have to worry about affecting your bank account or credit score. Especially if you only want to use a virtual Visa card for specific purchases.

Fraud reduction

The great thing about a virtual visa card is that it provides an extra layer of security for online purchases.

When you use a virtual Visa card, the merchant’s website doesn’t store the card number and expiration date. 

When your information is compromised, a hacker won’t be able to use your card number to make fraudulent purchases.

Helps you stay within budget

Since the funds are pre-loaded, you won’t be able to spend more than what’s on the card. It’s helpful if you’re trying to stick to a specific budget. Or if you’re trying to avoid racking up too much debt. 

They have streamlined accounting processes.

Virtual credit cards have replaced old and inconvenient paper checks and the inefficiencies that come with them. 

Accounts payable departments may focus less on payment processing and more on financial responsibility with single-issue virtual cards. 

It’s no longer necessary to write checks, stuff checks into envelopes, or meter envelopes. It’s also an excellent option for businesses that want to track their cash flow and keep their expenses separate.

Disadvantages Of Virtual Visa Cards

There are a few disadvantages to using virtual visa cards.

Expenses can be challenging to track. 

The bank does not connect your account number to your virtual visa card. Therefore, it can be hard to track where you have spent your money. 

They are not accepted everywhere.

Virtual visa cards are not as widely accepted as regular credit cards. Therefore, you may not be able to use them at all merchants.

Limited availability

Few banks offer virtual visa cards. Furthermore, virtual Visa cards may have limited use, depending on your country.

They’re not always ideal for recurring payments.

Virtual visa cards may not be ideal for recurring payments. If the card number or expiration date changes, the payment may not go through. Most virtual cards are for single use only.

For example, it won’t be practical if you have a monthly subscription to a service. You may need to provide your card number and expiration date each month. And that can be cumbersome and time-consuming.


Virtual Visa cards can be a great way to make purchases both online and in physical stores. This article outlined the steps you need to take to purchase with your virtual Visa card. Remember, once you’ve loaded it with money, you can use it the same way as a visa card.  

The advantages of virtual visa cards exceed their cons. For example, you can make purchases in any store without carrying any physical cards! We hope you find this information helpful. Thanks for reading.


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