虚拟借记卡(debit card)服务让您在购物时隐藏您的真实卡信息。(card information)例如，您可以插入虚拟借记卡号，而不是使用您的常规(debit card number)卡号(card number)从阴暗的网站购买东西，这样如果该卡发生任何奇怪的事情，它不会影响您的真实借记卡(debit card)。
最好的虚拟卡服务可以提供一些简洁的功能，包括防止卡在您指定的地方以外的任何地方使用、随时取消或暂停卡、设置支出限额、使用隐藏的银行账户(bank account)描述进行购买、创建几秒钟内卡，需要零激活，并在一段时间后自动过期您的卡。
那里没有很多虚拟卡服务。它们中的大多数实际上都附属于现有银行，但下面列出了有史以来最好的独立（无银行附属关系(bank affiliation)）虚拟支付服务，其中一个是完全免费
(completely free
)的（另外两个有免费试用）。
为什么要使用虚拟借记卡？
使用虚拟借记卡的最常见原因是防止未经授权的收费并隐藏您的真实身份。但是，有几种情况可能会派上用场。
如果您满足以下条件，您可能会使用虚拟支付卡(payment card)：
- 不要相信网站
- 宁愿不以“正确”的方式取消订阅
- 附近没有塑料卡可以在线购买
- 将您(Are)的电话号码提供给朋友代您购买商品
- 想要(Want)隐藏真实的商家名称，以免出现在您的银行对帐单上(bank statement)
- 没有实体卡进行网上购物（但您有银行）
- (Were)由于您的实体卡号(card number)无效或过期而被拒绝购买
- 想要限制您在特定网站上的支出
隐私
隐私(Privacy)是一个以您的隐私为中心的惊人服务的恰当名称。就像真正的虚拟借记卡(debit card)一样，它只保留您的信息，并拥有一些非常惊人的功能：
- 它是完全免费的（绝对不收费或收费）
- 创建(Create)一次性借记卡或可重复使用的借记卡
- 将卡锁定给一个商家，使其只能在那里使用
- 设置最高支出限额(spending limit)（每次收费、总计或每月/每年）
- 定义(Define)每张卡从哪个银行提取资金
- 随时暂停和恢复卡片
- 取消(Cancel)卡以永久禁用该号码
- 在Chrome中即时创建卡片(Chrome)
- 为您的虚拟支付卡命名以跟踪您使用它们的位置
- 在线使用或与Android或iOS应用程序一起使用
Privacy 的虚拟卡有很多非常棒的用途。一种是如果您在不熟悉或不安全的地方购物，并且您担心他们会丢失/出售您的卡号(card number) 只需(Just)制作一张商家锁定的卡并将支出限额(spending limit)设置为您需要的确切金额。
注册需要支付信息的试用版是另一个完美的用例(use case)。将消费限额(spending limit)设置为 1 美元或低于首次付款金额(payment amount)，然后使用您的卡注册，无需担心会被扣款。或者，制作卡片，将其详细信息输入您正在试用的项目中，然后取消您的卡片！
您所有虚拟卡的所有交易都显示在您的帐户中，就像一张大银行对帐单(bank statement)一样，这对于密切关注您如何使用帐户非常有帮助。您还可以在一个地方查看您今天(Privacy today)和过去 30 天在隐私方面花费了多少。
隐私(Privacy)支持双因素身份验证
，即使有人知道您的密码，也很难访问您的卡。
另一个方便的安全功能(security feature)是“私人支付”选项，它将在您的银行对帐单(bank statement)上显示隐私的交易
作为您选择的任何这些选项（而不是您购买的真实商家）：Privacy.com、H&H Hardware、 Smileys Corner商店(Smileys Corner Store)或
NSA 礼品店(NSA Gift Shop)。
功能就是不停！您还可以通过Privacy获得现金返还；使用隐私卡(Privacy card)进行的每笔购买均可获得 1% 的返还。但是，您需要一个现金返还密钥(Cashback Key)才能使其工作。
模糊
Blur是另一项服务，可让您创建虚拟卡，这样您就不会将您的真实卡号(card number)暴露给您正在购物的网站。当您准备好购买东西时，它会代表您购买预付礼品卡，以便您在订购时使用礼品卡号码(gift card number)而不是您自己的号码。所有这一切都发生在现场和幕后。
使用您的虚拟卡非常容易。当需要输入您的卡信息(card information)时，您可以选择制作一张新的蒙面卡。Blur会询问购买的金额，然后它会购买一张卡来支付费用，然后立即给你卡号(card number)以匿名购买。
您可以通过桌面 Chrome 扩展程序(desktop Chrome extension)或Blur 移动应用程序(Blur
mobile app)使用 Blur 。
您可以在前 30 天免费获得Blur Premium ，但随后您必须以 40(Blur Premium)USD /year
的价格购买基本计划或以 15 美元/month的价格购买无限制计划（如果您选择 100 美元/year option，则购买更少）。
注意：Blur 实际上不仅仅是一个虚拟借记卡平台。您还可以使用它来存储密码、隐藏您的电子邮件和电话号码以及阻止网络跟踪器。(Note: Blur
is actually more than just a virtual debit card platform. You can also use it
to store passwords, mask your email and phone number, and block web trackers.)
斯克里尔
Skrill让您不仅可以在线使用虚拟卡(card online)，还可以向朋友汇款、购买加密货币(purchase cryptocurrency)、在线购物(shop online)，甚至玩扑克(and even play poker)。一旦您的Skrill 账户中有钱，您就可以制作一张虚拟卡，以便在支持(Skrill account)万事达卡(Mastercard)的任何地方在线使用。
只有您的第一张虚拟卡是免费的，但它可以让您在网站上隐藏您的真实信息，以保护您的隐私并保护您的资金。Skrill的虚拟卡可以使用以下任何一种货币：美元(USD)、欧元(EUR)、英镑(GBP)或波兰兹罗提(PLN)。
您可以随时取消该卡(card anytime)，甚至可以选择该卡在自动过期之前应该激活多长时间并且对任何拥有该号码的人都无用。
3 Best Virtual Debit Card Services
Virtual debit cаrd services let you hide your
real cаrd information when making purchases. For example, instead of using your
regulаr card number to buy ѕomething from a shady website, you can just plug in
a vіrtual debit card number so that should anything strаnge happen with that
card, it dоesn’t аffect your real debit card.
Some neat features you can expect with the
best virtual card services include the ability to prevent a card from being
used anywhere but where you specify, cancel or pause a card at any time, set
spending limits, make purchases with masked bank account descriptions, create
cards in seconds with zero activation required, and auto-expire your cards
after a period of time.
There aren’t a lot of virtual card services
out there. Most of them are actually attached to existing banks, but below is a
list of the all-time best standalone (no bank affiliation) virtual payment
services, one of which is completely free
(the other two have free trials).
Why Use a Virtual Debit Card?
The most common reasons to use a virtual debit
card is to protect against unauthorized charges and to hide your true identity.
However, there are several scenarios where one might come in handy.
You might use a virtual payment card if you:
- Don’t trust the website
- Would rather not cancel a
subscription the “correct” way
- Don’t have a plastic card nearby
to make an online purchase
- Are giving your number to a friend
to buy something on your behalf
- Want to hide the real merchant
name from showing up on your bank statement
- Don’t have a physical card to make
online purchases (but you do have a bank)
- Were denied a purchase because
your physical card number is invalid or expired
- Want to limit your spending on a
particular website
Privacy
Privacy is an appropriate name for an amazing service centered around your privacy. Like a true virtual debit card, it keeps your information to itself only, and boasts some really amazing features:
- It’s totally free (absolutely no
charges or fees)
- Create single-use debit cards or
reusable ones
- Lock a card to one merchant so it
can only be used there
- Set a maximum spending limit (per
charge, in total, or per month/year)
- Define which bank each card draws
its money from
- Pause and resume cards at any time
- Cancel cards to permanently
disable the number
- Create cards on the fly in Chrome
- Name your virtual payment cards to
keep track of where you’re using them
- Use it online or with the Android or iOS app
There are tons of really great uses for
Privacy’s virtual cards. One is if you’re shopping somewhere unfamiliar or
insecure and you’re afraid they’ll lose/sell your card number Just make a
merchant-locked card and set the spending limit to the exact amount you need it
for.
Signing up for trials that require payment
information is another perfect use case. Set a spending limit for $1 or
something below the first payment amount, and then use your card to sign up
without worry that it’ll be charged. Or, make the card, enter its details into
the item you’re trialing, and then cancel your card!
All transactions from all of your virtual
cards are shown in your account as if it were one big bank statement, which is
really helpful for keeping tabs on how you’re using your account. You can also
see in one place how much you’ve spent with Privacy today and over the last 30
days.
Two-factor authentication is supported with
Privacy to make it much harder for someone to access your cards, even if they
have your password.
Another handy security feature is the “private
payments” option which will show Privacy’s transactions on your bank statement
as any of these options of your choosing (instead of the real merchant where
you make the purchase): Privacy.com, H&H Hardware, Smileys Corner Store, or
NSA Gift Shop.
The features just don’t stop! You can also get
cashback with Privacy; 1% back on every single purchase made with a Privacy card.
However, you need a Cashback Key to make it work.
Blur
Blur is another service that lets you create virtual cards so that you’re never exposing your real card number to the websites you’re shopping at. When you’re ready to buy something, it purchases prepaid gift cards on your behalf so that when you order, you use the gift card number instead of your own. All of this happens on the fly and behind the scenes.
Using your virtual cards is extremely easy.
When it’s time to enter your card information, you can select to make a new
masked card. Blur will ask how much the purchase is for, and then it will buy a
card to cover the costs, and then instantly give you the card number to make
the purchase anonymously.
You can use Blur through the desktop Chrome extension or via the Blur
mobile app.
You get Blur Premium
free for the first 30 days, but then you have to purchase either the basic plan
for $40 USD /year or the unlimited plan for $15 /month (or less if you opt for
the $100 /year option).
Note: Blur
is actually more than just a virtual debit card platform. You can also use it
to store passwords, mask your email and phone number, and block web trackers.
Skrill
Skrill lets you not only use a virtual card online but also send money to friends, purchase cryptocurrency, shop online, and even play poker. Once you have money in your Skrill account, you can make a virtual card to use anywhere online that Mastercard is supported.
Only your first virtual card is free, but it
lets you hide your real information from websites to protect your privacy and
secure your funds. A virtual card at Skrill can be under any of these
currencies: USD, EUR, GBP, or PLN.
You can cancel the card anytime you want, and
even choose how long the card should be active before it automatically expires
and becomes useless to anyone with the number.
