{"id":1303,"date":"2021-06-28T11:52:10","date_gmt":"2021-06-28T11:52:10","guid":{"rendered":"https:\/\/decentro.tech\/blog\/?p=1303"},"modified":"2024-06-13T11:22:10","modified_gmt":"2024-06-13T11:22:10","slug":"what-are-virtual-cards","status":"publish","type":"post","link":"https:\/\/decentro.tech\/blog\/what-are-virtual-cards\/","title":{"rendered":"Virtual Cards Are Synonymous With Convenience &#038; Security. Here\u2019s Why!"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_17 counter-hierarchy\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class=\"ez-toc-list ez-toc-list-level-1\"><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/decentro.tech\/blog\/what-are-virtual-cards\/#What_are_Virtual_Cards\" title=\"What are Virtual Cards?\">What are Virtual Cards?<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/decentro.tech\/blog\/what-are-virtual-cards\/#How_do_Virtual_Cards_Work\" title=\"How do Virtual Cards Work?\">How do Virtual Cards Work?<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/decentro.tech\/blog\/what-are-virtual-cards\/#What_are_the_Types_of_Virtual_Cards\" title=\"What are the Types of Virtual Cards?\">What are the Types of Virtual Cards?<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/decentro.tech\/blog\/what-are-virtual-cards\/#What_are_some_Popular_Uses\" title=\"What are some Popular Uses?\">What are some Popular Uses?<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/decentro.tech\/blog\/what-are-virtual-cards\/#What_are_the_Advantages_of_Virtual_Payment_Cards\" title=\"What are the Advantages of Virtual Payment Cards\">What are the Advantages of Virtual Payment Cards<\/a><\/li><\/ul><\/nav><\/div>\n\n<figure class=\"wp-block-image size-large featured-post-img\"><img loading=\"lazy\" width=\"854\" height=\"854\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/Virtual-Cards-Are-Synonymous-With-Convenience-Security.-Herea\u0080\u0099s-Why.jpg\" alt=\"\" class=\"wp-image-6238\"\/><\/figure>\n\n\n\n<p>February 19, 2008.\u00a0<\/p>\n\n\n\n<p>The country\u2019s first-ever virtual credit card was launched when HFDC Bank and Reliance Communications joined hands. The card was then estimated to be used by at least 15 lakh people, both HFDC account holders &amp; Reliance mobile users.&nbsp;<\/p>\n\n\n\n<p>With a similar ambition to move to the era of a cashless &amp; digital economy, Google released its Wallet, which later came to be known as Google Pay, on May 26th, 2011.&nbsp;Wallets similar to this are the common names for <a href=\"https:\/\/decentro.tech\/blog\/prepaid-payment-instruments-for-your-business\/\" target=\"_blank\" rel=\"noreferrer noopener\">prepaid payment instruments<\/a> that have had a major catalytic role in the payment ecosystem. <\/p>\n\n\n\n<p>Especially when it comes to upping the ante of tech-driven modular solutions.&nbsp;Don&#8217;t believe us? Let&#8217;s take a look at the preferred digital payment modes across India last year.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1000\" height=\"743\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/statista-digital-payment-mode-preferred-in-india-2020-decentro.png\" alt=\"A graph by Statista that shows the preferred digital methods of payment in 2020.\" class=\"wp-image-1305\"\/><figcaption>Source: <a href=\"https:\/\/www.statista.com\/statistics\/732012\/modes-of-digital-payment-india\/\">Statista<\/a><\/figcaption><\/figure>\n\n\n\n<p><a href=\"https:\/\/decentro.tech\/blog\/what-no-one-will-tell-you-about-upi-payment-links-payment-gateways\/\" target=\"_blank\" rel=\"noreferrer noopener\">UPI payments<\/a> have caused quite a stir in there, but securing a comfortable spot at the top is card transactions. Let\u2019s talk about one such payment instrument or PPI today- Virtual Cards.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_are_Virtual_Cards\"><\/span>What are Virtual Cards?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Along with an identification document, like a driving license, with our most embarrassing picture, one of the staple components of our wallets could be debit or credit cards. What if these physical plastic wallets had an online counterpart?&nbsp;<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-style-default\"><p>A virtual card is a payment instrument that is created &amp; hosted online entirely, functions just like normal physical cards, and comes with details such as a system-generated 16-digit number, verification code, &amp; expiry date.&nbsp;<\/p><\/blockquote>\n\n\n\n<p><br>Also known as digital cards, you can use virtual cards for online and offline purchases making it quite convenient. Unlike traditional cards, you can set the spending limits &amp; control the usage for your customers, business partners, and merchants.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1560\" height=\"780\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/what-are-virtual-cards-decentro.png\" alt=\"The definition of virtual cards with an example.\" class=\"wp-image-1309\"\/><\/figure>\n\n\n\n<h4>What\u2019s an Example of Virtual Payment Cards?&nbsp;<\/h4>\n\n\n\n<p>A good example of virtual cards could be FamCard by <a href=\"https:\/\/decentro.tech\/blog\/strengthening-kyc-process-fampay\/\" target=\"_blank\" rel=\"noreferrer noopener\">FamPay<\/a>, offered by the country\u2019s first neobank for teenagers. There\u2019s no bank account tied to the card, making it a secure &amp; convenient alternative. The users, i.e., parents of teenagers, can load money easily and track all payments on it. Yet another example of virtual payment cards is OneCard, a contactless card in both physical &amp; digital forms. The latter is a metal card, the first of its kind that offers seamless NFC payments for any offline purchases, up to Rs. 5,000. Moreover, the card is valid for both domestic and international payments, and you can track all transactions with ease.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_do_Virtual_Cards_Work\"><\/span>How do Virtual Cards Work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Within every physical card, there\u2019s a chip that contains encrypted information of the account details. When you swipe the card to finish the month\u2019s grocery shopping, the information is securely passed to the POS or point of sale machine. In turn, the machine passes the data to the bank to complete the transaction.&nbsp;<\/p>\n\n\n\n<p>The process has multiple levels of security checks, making it hard to replicate the card details and greatly reduce the risks of fraud.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"2791\" height=\"725\" src=\"https:\/\/decentro.tech\/blog\/wp-content\/uploads\/how-do-virtual-cards-work-decentro.jpeg\" alt=\"A detailed diagram that shows how virtual cards work.\" class=\"wp-image-1304\"\/><figcaption>Virtual Cards: Working<\/figcaption><\/figure>\n\n\n\n<p>Similarly, to ensure security is intact and even more, the virtual card flow occurs. The details on the card, such as name and account number, get converted into a random alphanumeric hashcode known as a \u2018<strong>token<\/strong>.\u2019 The transaction is given the green flag only after verifications are done. After checkout, the transaction enters your account statement, similar to a physical card payment.<\/p>\n\n\n\n<p>Please do note that physical cards are a different form factor altogether in comparison. With that said, a business can provide physical cards tagged to the virtual counterparts or vice-versa using Decentro. <\/p>\n\n\n\n<h4>PCI-DSS Compliance<\/h4>\n\n\n\n<p>PCI-DSS or Payment Card Industry Data Security Standard is a set of policies and compliance procedures to safeguard debit &amp; credit card transactions and prevent any fraud with misuse of cardholder\u2019s information. The standard outlines broadly six objects to be met while handling payment instruments such as cards. Some of these include:<\/p>\n\n\n\n<ul><li>A secure network backed by robust firewalls&nbsp;<\/li><li>Protection of user\u2019s personal details &amp; information<\/li><li>Anti-virus protection &amp; constant threat analysis against hackers<\/li><li>Restricted &amp; guided access to system information &amp; user data&nbsp;<\/li><li>Regular testing&nbsp;<\/li><li>and, Prompt audits &amp; severe penalties for any rule-breaking<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_Types_of_Virtual_Cards\"><\/span>What are the Types of Virtual Cards?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>We can broadly classify the types as:<\/p>\n\n\n\n<ul><li>Prepaid Cards<\/li><li>Virtual Credit &amp; Debit Cards<\/li><li>Procurement cards<\/li><li>Ghost cards<\/li><\/ul>\n\n\n\n<h4>Prepaid Cards<\/h4>\n\n\n\n<p>These cards allow you to load money into the instrument and use it across any online &amp; offline transactions. A prepaid card is not tied to any bank account making it very secure and convenient. In most cases, your spending is till the money present on the card. A good example is FamCard for teenagers by FamPay.<\/p>\n\n\n\n<h4>Virtual Credit &amp; Debit Cards<\/h4>\n\n\n\n<p>As the name suggests, virtual cards that offer instant virtual credit options for repayment in the future are termed virtual credit cards. For instance, Lazypay offers <a href=\"https:\/\/decentro.tech\/blog\/what-is-buy-now-pay-later-bnpl\/\" target=\"_blank\" rel=\"noreferrer noopener\">Buy Now Pay Later<\/a> credit online. Virtual debit cards function similar to your physical card; whenever you make a payment, instant debit happens in your account. For example, the gift cards offered by your favorite brands to shop online.&nbsp;<\/p>\n\n\n\n<h4>Procurement Cards &amp; Ghost Cards<\/h4>\n\n\n\n<p>Ghost cards find great use in large-scale usage- business expense management, for instance. These virtual cards have randomly generated numbers associated with particular groups, such as various teams in a company or merchants belonging to one purchase category, to track individual expenses.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_are_some_Popular_Uses\"><\/span>What are some Popular Uses?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Financial institutions have joined hands with tech evangelists for years to brainstorm new products &amp; offerings that will revolutionize the way we perceive banking &amp; financial services as a whole.&nbsp;<\/p>\n\n\n\n<p>Virtual payment cards find uses across different verticals for both consumer-facing and business-facing entities to streamline spending, monitor expenses, and regulate cash flow cycles. Let\u2019s understand some of the popular ones.&nbsp;<\/p>\n\n\n\n<h4>Fintechs &amp; NBFCs<\/h4>\n\n\n\n<p>Fintech companies and non-banking financial institutions can launch their virtual cards for customers, partners, or employees or enable the same for their business customers. <a href=\"https:\/\/decentro.tech\/blog\/what-are-nbfcs\/\" target=\"_blank\" rel=\"noreferrer noopener\">NBFCs<\/a> can offer credit options via cards, while <a href=\"https:\/\/decentro.tech\/verticals\/nbfcs-fintech-lenders\/\" target=\"_blank\" rel=\"noreferrer noopener\">fintechs<\/a> can enable their customers to monitor &amp; optimize spends.&nbsp;<\/p>\n\n\n\n<h4>Consumer-facing Businesses<\/h4>\n\n\n\n<p>Non-fintech platforms can utilize virtual cards to run operations smoothly for their business and make it easy for their customers. For instance, <a href=\"https:\/\/decentro.tech\/verticals\/gig-platforms\/\">gig economy platforms<\/a> can offer virtual cards to gig workers or gig hirers to transact easily on the platform whenever a job is done. Yet another example we can take is fleet business owners releasing cards for their drivers &amp; agents. They can use the card for food &amp; fuel or any similar purchases. Above all, fleet operators can track &amp; manage their entire expenses much more efficiently.&nbsp;<\/p>\n\n\n\n<h4>Neobanks&nbsp;<\/h4>\n\n\n\n<p>Neobanks can offer virtual payment cards to their customers for making online &amp; offline purchases. All the card transactions can be reconciled in real-time and monitored through account statements. In addition, <a href=\"https:\/\/decentro.tech\/verticals\/neobanks\/\" target=\"_blank\" rel=\"noreferrer noopener\">neobanks<\/a> can save manufacturing costs associated with physical cards by switching to virtual cards. The lack of maintenance fees, in this case, can help to convert and onboard more users as customers. In addition, <a href=\"https:\/\/decentro.tech\/verticals\/wealth-personal-finance-managers\/\" target=\"_blank\" rel=\"noreferrer noopener\">personal finance managers and wealth managers<\/a> can use virtual payment cards to help their customers monitor expenses, analyze spending patterns, and provide better purchase decisions.&nbsp;<\/p>\n\n\n\n<h4>Marketplace Or Aggregators<\/h4>\n\n\n\n<p>Marketplaces and aggregators can issue virtual cards to their customers, partners, or vendors to spend easily on the platform. These platforms can offer credit options with the Buy Now Pay Later feature to encourage purchases and reduce cart abandonment. Moreover, <a href=\"https:\/\/decentro.tech\/verticals\/marketplaces\/\" target=\"_blank\" rel=\"noreferrer noopener\">marketplaces<\/a> can earn additional revenue through interchange commission for any spending through the cards and <a href=\"https:\/\/decentro.tech\/products\/virtual-accounts\/\" target=\"_blank\" rel=\"noreferrer noopener\">simplifying payment reconciliations<\/a>.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_Advantages_of_Virtual_Payment_Cards\"><\/span>What are the Advantages of Virtual Payment Cards<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Let\u2019s take a look at the merits of virtual cards.<\/p>\n\n\n\n<ul><li><strong>Enhanced Security<\/strong>: It&#8217;s super-difficult to trace back the sensitive information of a user or business details from a virtual payment card, due to the layers of security, making it extra-safe &amp; convenient. Moreover, in this case, the instances of fraud, theft or misplacement, or hacking of any manner are significantly lower. <\/li><\/ul>\n\n\n\n<ul><li><strong>Convenience Manifold: <\/strong>Walking around with a wallet overflowing with cards is cumbersome. With virtual cards, all you need is your smartphone. You can make payments both online &amp; offline with ease. With NFC, all you need is to flash your smartphone to a POS machine to make instant payments. It\u2019s as easy as it can get.&nbsp;<\/li><\/ul>\n\n\n\n<ul><li><strong>Control Expenses: <\/strong>A business can control the expenditure made on virtual payment cards with ease. They can set the spending limit, the categories on which the card can be used, and customize it from one user to another. The transactions can also be disabled if not verified or in case of any suspicious activities.&nbsp;<\/li><\/ul>\n\n\n\n<ul><li><strong>Monitor Spends<\/strong>: With expenses flooding omnidirectional, business owners struggle to monitor their expenses and understand spending patterns. With virtual cards, they can view all expenses in one place and resolve this at a go.&nbsp;<\/li><\/ul>\n\n\n\n<ul><li><strong>Reduced Expenditure: <\/strong>Since virtual payment cards have no physical existence, the associated costs for manufacture and maintenance reduce drastically.<\/li><\/ul>\n\n\n\n<h4>NFC-Payments: The Future &amp; Beyond<\/h4>\n\n\n\n<p>NFC or near-field communication payments set a promising landscape where a simple wave with your smartphone is all you need to make a purchase. For instance, in ICICI\u2019s Pocket app, users can link their ICICI card and create a virtual card and use it at any merchant terminal that enables NFC payments.&nbsp;<\/p>\n\n\n\n<p>Similarly, Google Pay allows NFC payments just by linking a user&#8217;s existing debit cards to the application and creating a virtual equivalent. Any user that has a smartphone with a near-field communication feature can simply wave their device at any offline merchant store to complete a transaction.  <\/p>\n\n\n\n<p>We\u2019re taking sturdy strides towards a contactless payment system in India, and the pandemic has only catalyzed the process further. Sounds like something your business would like to dip toes and see? We\u2019d be happy to walk you through it. Drop by at hello@decentro.tech.&nbsp;<\/p>\n\n\n\n<p>Cheers!&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What are Virtual cards? How does it work? How do businesses benefit from it? Deep dive &#038; find out! <\/p>\n","protected":false},"author":4,"featured_media":6706,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[24],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v15.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Are Virtual Cards &amp; How Do They Help - Decentro<\/title>\n<meta name=\"description\" content=\"Monitor expenses, limit spending, &amp; reconcile all transactions in real-time. 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