Virtual Credit Card

The 10 Best Virtual Credit Card Apps to Make Your Online Shopping Easier and Safer

When you’re shopping online, a virtual credit card can come in handy. You can use it as an alternative to entering payment information; when you enter the card details instead of your own, the online merchant doesn’t have access to your actual credit card number or bank account. You’ll also be able to track exactly what you’ve spent and manage your budget more effectively than if you were just using cash or a debit card—just like with any other type of credit card. 

But not all virtual cards are created equal: some charge fees for every transaction or offer fewer benefits than others. So before getting started with one, here’s what you should know about these apps so that you can choose wisely!



OpenPayCard ( is an online credit card application that allows you to make purchases on the internet without having to use your actual credit card. It’s a way to protect yourself from fraud and identity theft, as it gives you a layer of protection between your real identity and the merchant.

This app offers different types of virtual debit cards which can be used anywhere MasterCard or VISA are accepted. It also allows users to earn rewards when they shop with their OpenPayCard account!




DoNotPay is an online service that helps you fight parking tickets, traffic violations, and other legal issues. It’s free to use and available in the UK and USA. You can also use it for free if you’re fighting a parking ticket or speeding ticket.

It works by asking questions about your case, then giving suggestions on how to proceed based on how the app has processed similar cases in the past. For example, if it suggests appealing a decision using points of law, then you’ll be given information about how many points of law appeals were successful in the past (and what percentage of appeals were lost).

If DoNotPay isn’t able to get your case dismissed, it will at least provide helpful tips on how to improve your chances next time around!



Revolut is a new kind of bank account that lets you spend, send and exchange money in over 120 currencies with the real exchange rate. Revolut is a fully functional banking alternative that doesn’t have any hidden fees or charges. Revolut is a payment solution that offers a combination of traditional and modern banking products.

It is available as an app on both iOS and Android devices and can be used anywhere in the world via the MasterCard network.



Venmo is a mobile payment service that lets you send and receive money from friends. Venmo is a mobile app that lets you send and receive money from friends. You can use Venmo to pay for goods or services or even split a check. There are no fees if you use your Venmo balance, bank account, or debit card for P2P payments (PayPal charges 2.9% + $0.30 per transaction).


TransferWise is a cross-border money transfer service that allows you to send money to friends and family abroad. TransferWise doesn’t charge a fee for sending or receiving transfers, but there are some limits on what you can send. If you want to use TransferWise as your virtual credit card, then it’s important to read the fine print before signing up.

TransferWise is available in the UK, Europe, and the US. The company allows users from other countries to make transfers within their own borders using local currencies rather than the dollar or euro. If you live outside of these areas, however, you may not be able to access this feature without first getting your account verified with government identification documents (which means that non-UK residents should expect longer delays).

The best thing about TransferWise is its low fee of 0.5%. You will also need a minimum balance of £10 when using this app as your virtual credit card so keep this in mind if you don’t have enough funds saved up yet!

Google Wallet

Google Wallet is a mobile payment and digital wallet service developed by Google that allows people to load money onto a virtual debit card, which can be used to make purchases online or in-store. It was first announced at the Mobile World Congress conference on February 24, 2011, as an alternative to Google Checkout.

Google Wallet can be used with any major credit or debit card from either MasterCard or Visa. The service can also be used to send money to friends via the “Send Money” tab. Users can access their Wallet Balance in the Android app and view their transaction history for all purchases made through the app.

Google Wallet’s tap-and-pay functionality lets users pay for items with their phones at contactless terminals. The feature is supported by American Express, Discover Financial Services, and MasterCard (U.S.), as well as Visa (Canada).

Square Cash

Square Cash

Square Cash is a free mobile app that lets you send money to friends and family. It’s fast, free, and easy to use.

Square Cash works like this: You open the app and enter your friend’s email address or phone number. They’ll get an email message or text with instructions on how to accept payment in their Square Cash account. Once they’ve accepted the payment, it will show up instantly in your balance within the app. It’s that simple!


WeSwap is a peer-to-peer money transfer service. It allows users to send money to friends and family using their bank account, debit card, or credit card. The receiving party can then use that money to withdraw cash from any ATM in the world.

WeSwap is easy to use, but it does come with some drawbacks: while it doesn’t charge fees for withdrawals made abroad, there are still transaction fees associated with sending money through the platform (although these are lower than those of many banks). And while WeSwap makes it simple enough for anyone with a bank account or debit card to receive payments through their app or website, there’s no way of sending cash directly from someone’s bank account without going through WeSwap first.



Zelle is a P2P payment service that lets you send money to friends, family, and others in minutes. It’s the best way to pay someone back for dinner or make an online purchase without sharing your bank account information.

Zelle is a service of Early Warning, LLC (EW). EW provides services on behalf of its members to facilitate financial transactions between consumers and businesses. For example, if you use this app to make a payment from your bank account to another person’s bank account—whether it’s at a merchant or P2P—the funds will be received by EW before being transferred from EW directly into the designated recipient’s account.

What features does Zelle have?

End money directly to a bank account in minutes when you know the recipient’s email address or U.S. mobile phone number (transfers are free when sent through this app). If they don’t already have their own Zelle account set up yet, they’ll receive an email with instructions on how they can sign up online so they can accept your money instantly instead!

Read the message recipient receives via text or email soon after sending funds so you know your payment was successful but also see any notes added by them as well.”




If you’ve ever used PayPal before to send money or make payments online, then you probably already know how easy it is. But for those who haven’t, here’s a quick rundown:

PayPal allows users to pay for things by sending money from their bank account or credit card via the app. You can also use it to send money directly from your bank account without having to enter any sensitive information about yourself (like your credit card number) into the app. This makes PayPal a great option if you don’t have a bank account but still want an online payment option available at all times.

Another perk of using PayPal is that there’s no fee charged when you add funds from another source (like your debit card) or withdraw funds from your PayPal balance; however, there are fees associated with foreign transactions and international withdrawals into local banks depending on where they’re made and which country they’re sent out of.


If you’re looking for a hassle-free way to pay for your online purchases, virtual credit cards can provide that. With so many different options available and their ease of use, it’s no wonder why so many people are turning away from traditional banks and credit cards. With the increasing popularity of cryptocurrencies like Bitcoin or Ethereum, it seems likely that these apps will only grow in popularity over time too!