Discover how to create your virtual payment card. This modality is increasingly common and popular! This happens thanks to the increased security that this type of card brings to your online purchases. 

Many people want to have their data protected when purchasing online. In this way, the virtual card appears as a possibility to avoid fraud. Furthermore, it can make your daily life easier. 

So, do you want to know exactly what this virtual card is? Want to know how to create one? And, furthermore, do you want to find out if this is an advantage or not? Continue reading this text and resolve all your doubts.

A virtual payment card is similar to a physical credit card. Thus, its main difference is that it is not material.

In other words, it only exists on the screen of your cell phone, tablet or computer. Despite this, it has a security code, expiration date and a specific number.

In fact, several banks offer the option for you to create a virtual payment card. So, if you are interested, check with your partner to see if this is possible.

In fact, this virtual card can be from different brands, such as Mastercard, Visa and even American Express. It's up to you to choose the best option.

Furthermore, the virtual card is temporary. Thus, it is created for a specific purchase or for a specific moment.

The duration of use of the virtual card can be defined by you. This point is a great advantage to make it difficult to steal data and information.

So, let's understand better how it works and its advantages?

One of the advantages of having a virtual card is the fact that it works both in Portugal and abroad. In other words, it facilitates various purchases in different online stores.

Furthermore, using this card is completely free of charge. So you can generate multiple cards with short durations. This enhances the security of your data.

By the way, speaking of security, know that its main advantage is related to this benefit. Regardless of where you use it, no one can access your banking information.

So, in a way, a virtual card is not traceable, only the bank can link the card to your account. In other words, if someone steals the information on that card, they will not have access to the money in your account.

This is only possible thanks to the way the card works. So, will we better understand the particularities of the virtual payment card?

Furthermore, it is worth highlighting that there is no risk or harm in using virtual cards.

When requesting your virtual card, you choose the duration, the amount that will be spent and where you intend to use it. In other words, you control the use of your card. Therefore, you can create a card for each virtual purchase.

Furthermore, payment on websites continues to work in the same way. So, you enter the information on your virtual “temporary” card and make the purchase.

This way, the company, logist or even a potential scammer will only have access to that card and not all of your money and your account.

Furthermore, there is no possibility of charging more than what you set for that card nor how to use it after the deadline. It is worth remembering that every virtual card request is analyzed by your bank and depends on your income.

If you've come this far, it's because you already know all the most relevant information about a virtual payment card. So, let's find out how to request it and make your online purchases safer!

Thus, there are basically two ways to create a virtual payment card. The first is through the MB Way service, the second is through your own bank's services.

To create your card through your bank, you must consult the relevant information online or through customer service.

Firstly, if you don't already have MB Way, you will need to sign up. Thus, this can be done via ATM or virtually. Therefore, after being associated with MB Way, download and open the service app.

Then, identify yourself and select the “MB Net Cards” option. Therefore, you will have to choose between three available card options:

In the first case, your card can only be used for one purchase and will only be valid for two months. In the second option, you will only be able to make purchases in the same establishment or store valid for one year.

Finally, the third option is recommended for fixed monthly amounts in the same company, business or store. In all cases, the purchase amount cannot exceed the amount you establish to be loaded onto the card.

Then, you must choose how much money you want to load your virtual payment card with. Furthermore, at this stage you must define the validity of the “multiple purchases” and “recurring payment” cards.

Then set a description for the card and select “create card”. Therefore, you will need to enter your MB Way PIN. Ready! You will receive your virtual payment card details on your screen! Did you see how easy it is to request?

In fact, how about checking out how to use the MB Way app to have even more practicality and security when dealing with your finances? See below how to do it!