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Virtual Card

Online Prepaid Card:
Fast, Secure Payments

Online Prepaid Card: Fast, Secure Payments

Our virtual prepaid card is a simple, straightforward way to pay for your online shopping. One of the benefits of applying for a virtual card from PFS is that it does not take up space in your wallet or purse. Nor can you lose it. You can use one to buy almost anything from websites that accept Mastercard cards. It is a versatile product for fast, secure online payments.

UK consumers are spending more online than ever, according to official statistics. With a virtual Mastercard or Visa prepaid card, we are providing a solution that reflects our changing habits. But we also believe in keeping you safe online. That is why a PFS virtual card is designed to protect your privacy and security – while still being a fast, convenient method of payment.

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What is a virtual debit card?

In practice, virtual debit cards are much like conventional cards. But there are two fundamental differences. First, you do not receive a physical plastic card. It exists entirely online – ‘virtually’. Your virtual card is not linked to a credit facility or a bank account, but a secure online account.

Otherwise, a virtual prepaid card offers all the hallmarks of a regular debit card. It has a unique 16-digit number, expiry date and a Card Verification Value (CVV) number. With this, you will be able to pay for products and services online from millions of different websites.

How do virtual prepaid cards work?

Once you are approved for a virtual prepaid card, it will be sent direct to your email inbox. It is ready to use straight away once you ‘pre-load’ cash onto it. You can do this through several different methods and control how much you make available on it.

As a preloaded card, you cannot spend more than the amount you choose. As such, it is not possible to go into debt. But this does mean you can shop online without the need for a debit (or credit) card linked to a bank account. It provides greater protection and control over your spending.

If you spend the amount you have loaded onto your virtual prepaid Mastercard, simply top it back up. This can be done using a number of different methods – including at any Post Office or by logging on to your secure online account.

Why should I get a prepaid card?

There are some great reasons why it can make sense for you to get a prepaid card. With our specialist consumer cards, our aim is to help make life easier. Speed, security and ease-of-use are key features of our virtual prepaid card – and this is how one can work for you:

  • Using a virtual prepaid card for online shopping is ideal for security-conscious shoppers who value extra peace of mind. It cannot be lost or stolen, and it cannot be linked to a bank account or credit facility.
  • For shoppers on a budget, an online prepaid card is an effective way of managing spending. You cannot spend more than the amount loaded onto a card – so it will not be possible to spend more than you can (or want to) afford.
  • Our virtual prepaid card can also be used by corporate customers to offer incentives or rewards to their own customers.

What can you use a virtual prepaid card for?

Our virtual prepaid card is a versatile payment method. You can use it to buy products or services from any website or e-commerce platform that is set up to accept Visa or Mastercard payments. This includes many of the leading internet retailers and auction sites. It is also possible to use a virtual prepaid card to make online bill payments if your funds allow.

As a virtual card, however, you cannot use it for cash withdrawals as you have no card to insert into an ATM.

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What are the benefits of our virtual prepaid card?

  • No credit check needed: If you apply for an online prepaid Mastercard, we do not run a credit check. This means your chances of being accepted are much higher.
  • Secure purchases: A virtual card is not linked to a bank account or credit facility. It means you can shop online with that extra peace of mind.
  • Global acceptance: Use your virtual prepaid cards to shop online at any retail website that accepts either Visa or Mastercard credit or debit cards.
  • Great foreign exchange rates: Our multi-currency solutions let you buy products or services in a number of currencies with none of the expensive conversion fees.
  • Simple and convenient: Once approved, virtual cards are sent direct to your email. They are available 24/7 and ready to use right away, with a secure online account.

How do I apply for a virtual card from PFS?

If a virtual prepaid card is the payment method that makes most sense to you, it is quick and easy to apply. We only ask for some basic personal details and that you accept our terms and conditions. Our aim is to approve as many people as possible – so why not apply today?

If you have any queries about our products and services, get in touch with our team.
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