The 8 Best Virtual Card Providers in 2025

Virtual Cards offer numerous advantages over traditional physical cards including enhanced privacy, security, and convenience. Virtual card services are essential financial tools that offer enhanced security, convenience, and streamlined management of expenses. When choosing a virtual card provider you should evaluate a virtual card's key features including KYC requirements, funding options, spending limits, 3D secure support, merchant acceptance and associated fees.

The best virtual cards are:

1. Halocard
2. Wise
3. Revolut
4. Privacy.com
5. IronVest
6. US Unlocked
7. Ezzocard
8. Linkpay

Which is the best Virtual Card Provider?

We've created a detailed comparison of the virtual card products from the leading virtual card providers, so you can choose which provider best aligns with your financial goals. For more information on virtual card types, see our simple guide on different types of virtual cards.

1. Halocard

Type: Virtual Card Provider
Funds held by: Banking services provided by financial institution partners
Headquartered: Los Angeles, USA
Supported Regions: Global
Active Users: 1,000+
Review Score: 4.9/5 (Based on user feedback)

Halocard stands out as the premier virtual card provider for users prioritizing privacy, security, and control over their online transactions. Unlike a physical credit card, which holds permanent information, the Halocard Virtual Card uses temporary card details to enhance security for online transactions.

As a credit card issuer, Halocard provides virtual card numbers that enhance online shopping protection. Backed by Visa, Halocard provides global acceptance at over 130 million merchants and offers an innovative solution for individuals and businesses seeking secure and private payment methods.

The virtual card can be created instantly without requiring ID verification, making it one of the fastest and most accessible options in the market. Aquiring a new virtual card is instant.

With a clear focus on safeguarding user data and ensuring privacy, Halocard has redefined what it means to transact securely online as it provides users with greater control over their financial wellbeing.

Features of the Halocard Virtual Card

Halocard delivers a robust set of features that cater to both convenience and security. The card is issued as a Visa prepaid debit card, ensuring compatibility with a vast network of online merchants worldwide.

Users can create their first virtual card in less than 60 seconds using only an email address and phone number, bypassing lengthy ID verification and Know-Your-Customer (KYC) processes. This means it takes just a few minutes to go from sign-up, to receiving your virtual card information, to making an actual purchase - An absolutely standout response time compared to all of the major issuers of virtual cards.

A standout feature is its 3D Secure by Visa integration, which adds a two factor authentication layer through one-time passwords for every transaction. This additional layer of security helps keep sensitive data protected and guarantees acceptance at a large number of online merchants including Amazon, Walmart and BestBuy who otherwise do not accept virtual prepaid debit cards as a payment method.

Halocard also allows users to load funds instantly using credit cards or cryptocurrency, with plans to integrate PayPal and ACH transfers for even greater flexibility.

Branded virtual cards are another unique offering, allowing users to generate cards dedicated to over 50+ specific merchants across content, e-commerce, streaming, gaming, software and many other categories.

This ensures seamless compatibility and simplifies subscription management. The ability to freeze and unfreeze cards instantly, coupled with spending controls, allows users to customize their financial interactions with unmatched precision.

Advantages of the Halocard Virtual Card

Halocard's primary advantage lies in its unwavering focus on privacy and security. Transactions made with Halocard remain completely private and are not linked to the user's primary bank account or actual card details.

This makes it ideal for those who want more control of their financial privacy, whether for managing content subscriptions, purchasing exclusive memberships, or shopping online.

The instant card creation feature is a significant time-saver, allowing users to start using their virtual card within just a few minutes, and without the need to wait for a physical card number.

Halocard's spending controls give users the ability to limit their financial exposure by determining how much to load onto the card and when to freeze it, ensuring no unwanted charges.

Halocard also offers excellent fraud protection. By acting as a buffer between the user's primary financial accounts and potentially unverified merchants, it minimizes the risk of data breaches and fraudulent activity.

Furthermore, the card's branded virtual card option adds another layer of convenience, especially for frequent shoppers or those managing multiple subscriptions.

Disadvantages of the Halocard Virtual Card

Despite its many benefits, Halocard has a few limitations. The five percent fee for loading funds may be higher than some other virtual card providers. While this fee guarantees the card's privacy and security features, it may deter those seeking a lower-cost option, or virtual cards exclusively for activating free trial subscriptions.

The initial monthly load limit of $2,000 for new accounts could also be restrictive for high-volume users or making large purchases. However, verified accounts can access higher limits, making it a more flexible solution for long-term users who are willing to verify their identification in order to access higher levels of spending power.

Best Uses and Ideal Users for the Halocard Virtual Card

Halocard is perfectly tailored for individuals and businesses seeking absolute privacy and control over their financial transactions. Financial security is at the forefront of Halocard's offerings.

It is particularly beneficial for users managing subscriptions or making purchases from new or unverified merchants.

The branded card feature is ideal for those who frequently shop on specific platforms, as it ensures guaranteed compatibility and simplifies transaction management.

The signficiant benefit of Halocard is that your transaction history will never be sent to a credit bureau or affect your credit report. With Halocard's privacy-first approach, you also have peace of mind knowing your data will never be processed or sold to an external third party.

Freelancers, small business owners, and anyone who prioritizes financial privacy will find Halocard to be a valuable tool.

Fees, Costs, and Foreign Transaction Fees Associated with the Halocard Virtual Card

Halocard maintains a straightforward fee structure. Creating an account is free, there is no annual fee, and users can load any amount starting at $100. A flat five percent fee applies to each load. For example, loading $100 incurs a $5 fee. This transparent pricing eliminates hidden charges, monthly fees, or inactivity penalties.

All funds loaded onto the card are stored in FDIC-insured accounts, ensuring compliance with federal banking standards and offering peace of mind to users.

With its strong focus on privacy, security, and user control, Halocard is a top-tier choice for those seeking a reliable virtual card solution for both personal and professional use. Its robust features and commitment to financial privacy make it an unmatched option in the virtual card market.

2. Wise

Type: Money Service Business (MSB)
Funds held by: JPMorgan Chase Bank, N.A.
Headquartered: London, UK
Supported Regions: Global
Active Users: 1 million+
Review Score: 4.3/5 (247K+)

The Wise Virtual Card, offered by Wise (formerly TransferWise), is a versatile and innovative solution for individuals and businesses seeking to simplify their financial transactions.

As an extension of Wise's widely used international money transfer platform and their physical card, the virtual card provides users with a secure and efficient way to manage expenses, both online and offline.

The Wise Virtual Card can be stored in a digital wallet like Apple Pay and Google Pay, allowing for contactless payments and providing an extra layer of protection against fraud.

With support for over 50 currencies and real-time exchange rates, the Wise Virtual Card has become a preferred choice for frequent travelers and consumers relying on competitive foreign exchange rates to make frequent international and cross-border transactions.

Features of the Wise Virtual Card

The Wise Virtual Card is designed to offer convenience and security. Users can hold over 40 currencies at once, converting them in real-time using the mid-market exchange rate, a feature that minimizes hidden fees.

The Wise Virtual Card operates as a virtual credit card, providing added security during online transactions with disposable numbers that protect the actual card information.

The card works with mobile wallets such as Apple Pay and Google Pay. Users can create up to three virtual cards at a time, making it easy to allocate budgets or manage spending across different categories.

The card's freeze-and-unfreeze feature provides an added layer of security. All virtual card details are distinct from any physical Wise card, ensuring privacy and security in online transactions.

Advantages of the Wise Virtual Card

The Wise Virtual Card stands out for its global usability and cost-effectiveness. Its integration with the Wise app enables users to manage currencies, make payments, and monitor spending all in one place.

With no foreign transaction fees and currency conversion at the mid-market rate, it is ideal for international travelers and cross-border users shopping online. Additionally, the Wise Virtual Card is particularly advantageous for online shopping, providing secure and efficient payment options for e-commerce enthusiasts.

The ability to freeze and replace card details instantly ensures security in case of suspicious activity, offering peace of mind to users.

Moreover, the virtual nature of the card eliminates the risk of physical theft and reduces plastic waste, aligning with sustainable practices.

Disadvantages of the Wise Virtual Card

Despite its many advantages, the Wise Virtual Card is not without limitations. Currently, it is unavailable to customers in the United States, restricting its accessibility.

Additionally, while the virtual card itself is free, users must first order a physical Wise debit card to activate the virtual version, which may incur costs depending on the region.

Another consideration is that Wise's mid-market exchange rates, though transparent, may still result in minor discrepancies when compared to local bank rates, which some users might find inconvenient.

The fact that Wise makes its potential virtual card holders go through an extensive KYC process is another major drawback. Getting your identity verified through Wise can be challenging and time-consuming.

Best Uses and Ideal Users for the Wise Virtual Card

The Wise Virtual Card is best suited for frequent travelers, online shoppers, and environmentally conscious individuals.

Travelers benefit from its real-time currency conversion and global acceptance, while e-commerce users can utilize its unique card details for secure purchases from unfamiliar websites. It also caters to users who prioritize convenience, allowing for immediate activation through the Wise app.

Businesses managing international expenses can find value in the card's multi-currency functionality, simplifying payments to global vendors or remote employees. For anyone concerned about security, the card's freeze-after-use feature provides unparalleled protection against fraud.

Fees, Costs, and Foreign Transaction Fees Associated with the Wise Virtual Card

The Wise Virtual Card is free for users with personal or business Wise accounts, with no activation or maintenance fees. Currency conversions are conducted at the mid-market exchange rate, accompanied by a small, transparent conversion fee.

However, obtaining the card requires an active Wise account and a physical card, which may involve a one-time issuance fee depending on the region.

3. Revolut

Type: Money Service Business (MSB)
Funds held by: Revolut Ltd (Authorized by the Financial Conduct Authority)
Headquartered: London, UK
Supported Regions: Global
Active Users: 35M+
Review Score: 4.3/5 (179K+ reviews)

Revolut, a renowned fintech company based in the United Kingdom, offers virtual cards that cater to users seeking secure and flexible payment solutions.

Revolut is a credit card issuer and offers virtual credit cards as a secure option for online transactions, protecting personal card details and minimizing fraud risks.

With features like disposable cards and multi-currency support, Revolut stands out as a reliable option for online shoppers, global travelers, and those who value advanced digital tools for managing finances.

Features of Revolut Virtual Credit Cards

Revolut's virtual cards are fully digital, accessible through its app, and include both disposable and multi-use options. Disposable cards generate new details after each transaction, ensuring top-tier security for online purchases.

Multi-use cards are suitable for recurring payments and can be linked to digital wallets with Apple Pay or Google Pay for contactless payment methods.

Revolut supports over 36 currencies with competitive exchange rates, making it ideal for international payments.

Users can also freeze or unfreeze cards instantly and receive real-time transaction notifications for added control and security.

Advantages of the Revolut Virtual Card

The Revolut virtual card is an excellent choice for international users, offering support for multiple currencies and cost-effective exchange rates.

Disposable cards provide enhanced security, particularly for one-time purchases or less trusted merchants.

Real-time spending updates and the ability to set limits make the card a practical budgeting tool. Revolut's app-centric approach ensures seamless access and control over all card functions.

Disadvantages of the Revolut Virtual Card

Some features, such as unlimited disposable cards and higher limits, require a paid subscription, which may deter users seeking a free solution.

The number of cards available to free-tier users is also limited. Additionally, Revolut's services are not accessible in all countries.

Also worth noting about the Revolut virtual card is that it also requires extensive KYC verification, which can make obtaining a virtual card a painstaking and difficult process.

Furthermore, the Revolut virtual card is also akin to a regular bank account, which combined with KYC requirements means that this virtual card does not offer the same kind of privacy benefits as others, mainly Halocard.

Best Uses and Ideal Users for the Revolut Virtual Card

This card is ideal for global travelers, online shoppers, and those managing subscriptions. Its security features make it perfect for purchases on unfamiliar websites, while multi-currency support benefits frequent international spenders.

Fees and Costs Associated with the Revolut Virtual Card

Revolut offers a free first virtual card under its standard plan, with additional cards available for $5 each. Bank transfers are free, while credit card loads incur up to a 3% fee.

Out-of-network ATM withdrawals cost up to 2%, and currency exchanges above $1,000 may include a 0.5% fee.

4. Privacy.com

Type: Virtual Card Provider
Funds held by: Patriot Bank, N.A.
Headquartered: New York, USA
Supported Regions: United States Only
Active Users: 250K+
Review Score: 4.6/5 (3.1K+ reviews)

Privacy.com offers a secure virtual card solution designed to safeguard users' financial information during online transactions. Recognized for its dedication to protecting user privacy, Privacy.com enables individuals to generate unique virtual card numbers tailored to specific transactions or merchants. This approach minimizes the risk of exposing sensitive financial details, providing peace of mind for online shoppers.

Privacy.com has received high praise for its simplicity and effectiveness, as reflected in its Trustpilot rating of 4.6 out of 5 based on over 3,000 reviews. Many users cite its ability to prevent fraud and control subscriptions as game-changing features.

With tools like single-use cards, merchant-specific locking, and customizable spending limits, Privacy.com remains a leading choice for users seeking better control over their online transactions.

Features of the Privacy.com Virtual Card

Privacy.com provides a range of features to enhance security and usability. Users can generate up to 60 virtual cards per month on the free plan, ensuring flexibility for various transactions. Cards can be locked to specific merchants, reducing the risk of misuse even if data is compromised in a breach.

Spending limits can be customized per transaction or per month, helping users manage their finances effectively. The platform's dashboard allows for instant card management, including pausing, unpausing, or closing cards as needed.

These features are particularly advantageous for managing subscriptions and free trials. Single-use cards automatically expire after their first use, preventing recurring charges. With its focus on security and user control, Privacy.com is a trusted solution for both frequent shoppers and those concerned about online safety.

Advantages of the Privacy.com Virtual Card

The primary advantage of Privacy.com is its emphasis on security. By generating unique card details for each merchant or transaction, the service shields users' primary financial information from potential breaches.

This feature has been widely praised by users who rely on the platform to avoid unauthorized charges and maintain financial privacy.

Privacy.com is also ideal for managing subscriptions. Users can cancel recurring payments by deactivating the associated virtual card, avoiding the hassle of dealing with service providers. Real-time notifications provide transparency, helping users stay informed about their spending.

Many users commend the service's simplicity and their browser extensions, stating that they reduce stress and enhances convenience when shopping online.

Disadvantages of the Privacy.com Virtual Card

One of the primary drawbacks of Privacy.com is the need for identity verification, including providing a Social Security Number (SSN) or similar documentation to comply with regulatory requirements. Additionally, users must link an existing bank account to fund their virtual cards.

This is done through Plaid, a third-party service that requires users to provide secure banking login credentials. While Privacy.com emphasizes privacy in transactions, these steps are sometimes seen as a trade-off by those who value complete anonymity.

While Privacy.com offers extensive security features, it is currently limited to U.S. residents, which restricts its accessibility.

The free tier may also be insufficient for high-volume users who require more than 12 cards per month, necessitating an upgrade to the Pro or Teams plan.

While no balance transfer fee exists, there is a 3% foreign transaction fee for international purchases, which may deter frequent global shoppers.

Finally, digital wallet services are not supported, which means you cannot use Apply pay or Google Pay for in-person purchases.

Best Uses and Ideal Users for the Privacy.com Virtual Card

Privacy.com is ideal for anyone prioritizing security and control in online transactions.

It is particularly beneficial for managing subscriptions and free trials, as users can cancel payments easily by deactivating the associated card.

This card is also well-suited for e-commerce shoppers who frequently purchase from lesser-known retailers, providing a safety net against potential fraud.

If your use case is largely based around making discrete purchases online and maintaining privacy, the privacy.com virtual card may not provide the best experience given the KYC and linked account requirements.

Fees and Costs Associated with the Privacy.com Virtual Card

The basic plan is free, offering up to 12 cards per month linked to a single funding source. The Pro plan costs $10 monthly, providing access to 36 cards, while the Teams plan is priced at $25 per month, allowing for 60 cards and enhanced features.

Foreign transactions incur a three percent fee, and users must link a bank account to access the free service. Despite these limitations, Privacy.com remains an excellent option for secure and customizable virtual card solutions.

5. IronVest

Type: Virtual Card Provider
Funds held by: Not specified
Headquartered: New York, USA
Supported Regions: United States
Active Users: Not disclosed
Review Score: 2.7/5 (7 reviews)

IronVest, a security-focused platform, offers virtual cards as part of its commitment to protecting users from online fraud and data breaches. These virtual cards allow individuals to make purchases without exposing their actual credit card details, providing a layer of anonymity and control.

IronVest integrates these cards into its comprehensive suite of digital security tools, ensuring that users benefit from secure, private, and convenient online transactions. This solution is particularly beneficial for those concerned about their financial information being compromised during online activities.

Features of the IronVest Virtual Card

IronVest virtual cards are designed to replace your real credit card details with unique, temporary numbers, adding a strong defense against fraud.

Users can create virtual cards directly through the IronVest platform, funding them via a bank account or credit card. Each card is customizable, with options to set spending limits and expiration dates to manage transactions effectively.

The virtual cards also include merchant-specific locking, which ensures that a card can only be used with the designated vendor. For frequent or one-time purchases, users can toggle between reusable and single-use cards.

The platform supports international merchants, making the cards suitable for global transactions. Furthermore, the ability to manage all virtual cards through the IronVest app allows users to pause, delete, or monitor card activity in real-time.

Advantages of the IronVest Virtual Card

IronVest virtual cards excel in providing advanced fraud prevention through features like masked numbers and merchant locking.

This ensures that even if the virtual card details are compromised, they cannot be used beyond the specified parameters. The ability to generate single-use cards further reduces exposure to fraudulent activity.

Another significant advantage is the control offered through customizable spending limits, which can help users stay within budget and avoid overspending.

International compatibility is also a strong point, making the cards valuable for online shoppers purchasing from foreign merchants.

For users already using IronVest's password management or biometric authentication tools, the integration of virtual cards enhances their overall security system.

Disadvantages of the IronVest Virtual Card

While IronVest offers strong security features, its virtual cards have some drawbacks. Funding a virtual card with a credit card incurs a $2 fee per card, along with an additional 1.5% fee for cards exceeding $100. This fee structure may deter users who frequently generate high-value or multiple virtual cards.

The service has faced criticism regarding its masked cards' availability, as they have been temporarily disabled in the past for system upgrades.

Customer support also has mixed reviews, with users reporting delays in resolving account issues. Moreover, IronVest's limited trial features, such as low spending limits during the initial setup, may not suit users seeking full functionality from the outset.

Best Uses and Ideal Users for the IronVest Virtual Card

The IronVest virtual card is ideal for individuals looking for a secure payment option for online transactions, particularly when shopping on lesser-known websites or managing subscription payments.

Its merchant-locking and single-use card options make it highly effective for preventing unauthorized charges and minimizing risk during high-risk transactions.

This card is also well-suited for global travelers and international shoppers due to its compatibility with foreign merchants.

Fees and Costs Associated with the IronVest Virtual Card

IronVest offers its virtual card service through two subscription plans. The Plus plan, priced at $39 per year, includes up to 35 virtual cards, while the Ultimate plan, at $99 per year, provides unlimited virtual cards. Funding virtual cards with a bank account is fee-free, but credit card funding costs $2 per card, with an additional 1.5% fee for transactions over $100.

6. US Unlocked

Type: Virtual Card Provider
Funds held by: Tern Commerce Inc.
Headquartered: Atlanta, United States
Supported Regions: Global (excluding Russia & Belarus)
Active Users: Not publicly available
Review Score: 2.7/5 (80+ reviews)

US Unlocked offers virtual payment cards designed specifically for international shoppers who want to purchase from U.S.-based online retailers that require a U.S. billing address.

Established as a solution for global customers navigating restrictive payment requirements, US Unlocked provides a versatile platform that supports both physical and digital purchases.

With features like merchant-specific and one-time-use cards, this service bridges the gap for users facing barriers to accessing U.S. e-commerce platforms.

Features of the US Unlocked Virtual Card

The US Unlocked virtual card allows users to shop at thousands of U.S. retailers by providing a virtual card tied to a U.S. billing address.

Users can select from two card types: merchant-specific cards for recurring transactions or one-time-use cards for secure, single purchases.

The service offers compatibility with U.S.-exclusive platforms, including popular retailers and subscription services like Netflix, Hulu, and Amazon.

All cards are managed through the user's US Unlocked account, which allows for easy reloading and monitoring of transactions.

Cards are funded via international payment methods, ensuring global accessibility. The virtual cards are secure and allow users to block unauthorized charges by tailoring usage to specific merchants.

Advantages of the US Unlocked Virtual Card

The primary benefit of US Unlocked is its ability to overcome regional restrictions for international shoppers.

Users can bypass geographic limitations and access platforms that only accept U.S.-issued cards. This flexibility is invaluable for purchasing goods and services from U.S. merchants.

Merchant-specific and one-time-use cards offer added security, ensuring that sensitive financial details are not compromised during transactions.

Additionally, the platform simplifies cross-border shopping by automatically linking the virtual card to a U.S. billing address, making it easier to complete purchases on platforms that otherwise block international payment methods.

Disadvantages of the US Unlocked Virtual Card

Despite its unique advantages, the US Unlocked virtual card has several limitations. The service imposes a monthly maintenance fee of $6.50, which can add up over time, especially for infrequent users.

Additionally, users must pay fees for loading funds into their account, with charges ranging from $0.70 to $3.50 per transaction, depending on the method.

Another drawback is the platform's lack of support in some countries, leaving certain international customers unable to fund their accounts.

Some users have reported technical issues with delayed fund availability and unresponsive customer support, which can be frustrating when resolving account-related problems.

Best Uses and Ideal Users for the US Unlocked Virtual Card

The US Unlocked virtual card is ideal for non-U.S. residents who frequently shop on American e-commerce sites or subscribe to U.S.-based streaming services. It's particularly useful for those who need a U.S. billing address to complete transactions on geo-restricted platforms.

Frequent shoppers, expatriates, and international businesses looking to purchase from U.S. suppliers will find this service indispensable. It's also suitable for securing one-time purchases from unfamiliar retailers, thanks to the one-time-use card option.

Fees and Costs Associated with the US Unlocked Virtual Card

US Unlocked charges a monthly maintenance fee of $6.50, applied only when the account holds a balance. Funding fees vary based on the payment method, with SoFort and Pay by Bank costing $3.50 and $0.70 per load, respectively, plus an additional percentage of the transaction amount.

Each transaction incurs a $0.50 fee, and users withdrawing funds from their account are subject to an $11.50 unload fee. While these charges can make the service less appealing for casual users, frequent shoppers may find the convenience and access worth the cost.

7. Ezzocard

Type: Virtual Card Provider
Funds held by: Issuing banks in the United States and Canada
Headquartered: London, United Kingdom
Supported Regions: Global
Active Users: Not publicly disclosed
Review Score: 3.7/5 (373 reviews)

Ezzocard provides virtual prepaid Visa and Mastercard options aimed at users seeking anonymity and global usability for online purchases. It markets itself as a solution for secure transactions without requiring personal identification or bank details.

While its services appear to cater to privacy-conscious individuals, the platform has received significant criticism regarding reliability, customer service, and transparency, raising concerns about its overall trustworthiness.

Features of the Ezzocard Virtual Card

Ezzocard offers a range of prepaid cards in USD and CAD, which can be registered to U.S. or Canadian billing addresses. Users can choose from different validity periods, ranging from several months to a few years.

These cards are promoted as universally accepted at merchants supporting Visa or Mastercard, and card details are delivered instantly after payment is confirmed. Payments for Ezzocard services are processed primarily through cryptocurrencies like Bitcoin and Ethereum, catering to users who value privacy in their financial transactions.

While the platform advertises global accessibility and anonymity, many customers have reported technical and usability issues, such as problems with card activation and rejection by certain merchants.

Advantages of the Ezzocard Virtual Card

The key appeal of Ezzocard lies in its focus on anonymity and privacy. It does not require personal identification or lengthy verification processes, allowing users to register cards quickly.

The availability of cards in various denominations and currencies provides some flexibility, and the platform's cryptocurrency payment option appeals to users seeking secure, untraceable transactions.

Disadvantages of the Ezzocard Virtual Card

Ezzocard faces numerous complaints about reliability and transparency. Several users have reported issues receiving their cards even after successful payment, and customer support has been described as unresponsive or slow to resolve disputes.

Refunds, when offered, are often partial and can take weeks to process. The platform's reliance on cryptocurrency payments, while offering privacy, also limits dispute resolution options for users experiencing problems with their purchases.

Also, the pricing of Ezzocard products is significantly higher than the face value of the cards, sometimes anywhere from 25% - 50% and potentially even higher in smaller denominations, making it an expensive option for many.

Non-USD purchases incur conversion fees of up to 3%, and certain cards impose monthly maintenance fees after a specified period, further adding to the cost. Reports of merchants rejecting Ezzocard's virtual cards due to their prepaid nature further diminish their usability.

Best Uses and Ideal Users for the Ezzocard Virtual Card

Ezzocard may appeal to individuals who value privacy above all else and are comfortable navigating the potential risks of using such services. It is most suitable for tech-savvy users who understand the limitations of prepaid cards and are familiar with cryptocurrency transactions. However, its questionable reliability and customer support make it a risky choice for anyone relying on consistent service or widespread acceptance.

Fees and Costs Associated with the Ezzocard Virtual Card

Ezzocard's fee structure is one of its most criticized aspects. The cards are sold at a premium well above their face value, with prices varying depending on the card type. Non-USD transactions incur fees of up to 3%, and certain cards come with monthly maintenance charges after a set period. Refunds are limited to 95% of the card's value and can take up to a month to process. These costs, combined with the lack of transparency, have led many users to question whether Ezzocard offers genuine value.

8. LinkPay

Type: Money Service Business (MSB)
Funds held by: AVIOR Financial Holdings Limited
Headquartered: Richmond, BC, Canada
Supported Regions: Global
Active Users: Not disclosed publically
Review Score: 3.9/5 (46+)

LinkPay is a versatile virtual card provider that serves individuals and businesses looking for tailored online payment solutions.

With features like customizable cards, multi-currency support, and cashback incentives, LinkPay aims to enhance digital financial management. It also supports cryptocurrency for card purchases, positioning itself as an innovative option for tech-savvy users.

However, while many users report positive experiences, certain limitations have been highlighted in user reviews.

Features of the LinkPay Virtual Card

LinkPay offers a range of features to meet diverse user needs. Virtual cards can be issued for personal spending, business expenses, or advertising campaigns on platforms like Google and Facebook.

The service includes fraud prevention tools, such as the ability to set spending limits and freeze or unfreeze cards. Cashback rewards of up to 3% are available on higher-tier plans, and the platform supports multiple currencies, making it an attractive option for international users.

Cryptocurrency integration is another feature, allowing users to purchase cards and make payments while maintaining privacy. The service also provides real-time transaction tracking, ensuring users have up-to-date insights into their spending.

Advantages of the LinkPay Virtual Card

The flexibility of LinkPay's offerings makes it a strong choice for businesses and frequent online shoppers.

The ability to create multiple cards tailored to specific purposes, such as ad campaigns or subscription management, is particularly beneficial for marketers and entrepreneurs.

The cashback rewards on purchases, coupled with multi-currency support, add value for users who prioritize cost savings and global usability. Cryptocurrency integration further broadens its appeal to those seeking alternative payment methods.

Disadvantages of the LinkPay Virtual Card

While LinkPay offers many attractive features, some users have reported challenges. Transaction reliability can vary, with occasional declines causing frustration for users.

Additionally, the high monthly subscription costs make this one of the most expensive virtual card providers on the market.

Some services, like card unfreezing, are only accessible through paid subscription plans, which may not align with the needs of all users.

Customer support has received mixed feedback, with some users praising its responsiveness while others cite delays in resolving issues.

Best Uses and Ideal Users for the LinkPay Virtual Card

LinkPay is well-suited for marketers managing ad spend on platforms such as Google or Facebook. Its ability to issue cards specifically for advertising campaigns ensures better control over expenses.

International shoppers and businesses with global clients may also benefit from its multi-currency support. However, users with simple or occasional virtual card needs might find its subscription costs unnecessary.

Fees and Costs Associated with the LinkPay Virtual Card

LinkPay operates on a tiered pricing model. The free plan provides basic services but includes fees such as 2% per transaction and 0.5% for declines.

Paid plans, ranging from $59 to $299 per month, include perks like free card issuance, reduced transaction fees, and higher cashback rates. For users on higher tiers, the benefits can outweigh the costs, but individuals on lower plans may face more restrictions.

Virtual Cards Offered by Traditional Banks

A limited number of traditional banks now offer virtual card functionality, allowing their customers to generate virtual account numbers linked directly to their primary accounts.

These virtual cards are typically designed to enhance security for online transactions, masking the physical card number to reduce the risk of fraud. Banks such as Capital One, Citi, and Bank of America are among the major issuers that provide this option to their account holders via their mobile apps.

While these virtual cards offer the benefit of added protection against unauthorized access to your primary account details, they come with notable drawbacks.

Because these cards are linked directly to your bank account or credit card, they do not offer true financial privacy. Your transaction history remains fully visible to the bank, which means the primary purpose of the virtual card is to secure your account rather than to provide anonymity.

Furthermore, the availability of this functionality often depends on the bank's digital infrastructure, meaning that the process can sometimes lack the flexibility and user control offered by a dedicated virtual card issuer. For users seeking enhanced privacy or independent spending controls, these bank-issued virtual card numbers may fall short of expectations.