Virtual Credit Card Guide & Best Practice

TYPES OF VIRTUAL CARDS

  • Privacy

  • Capital One Eno

  • Revolut

  • Robinhood

  • Slash

  • Amex Extend, Tradeshift Stripe

PRIVACY

Membership Types

Privacy offers multiple membership options designed to fit different usage needs, from individual users to businesses requiring higher limits and scalability.

How to Create a Card on Privacy

Follow the steps below to create and manage a virtual card on Privacy:

  • Step 1: Create a New Card

    • From the Privacy home screen, tap the “New Card” button. This will open the card creation screen.

  • Step 2: Select the Type of Cardarrow-up-right

    • If you only need a card for a single purchase, you can use a single-use card. Keep in mind that users on the Basic plan are limited in how many cards they can generate each month which is about 12 cards per month. arrow-up-right

  • Step 3: Customize Your Card

    You can personalize your card by:

    • Assigning a nickname & store for easy identification of the card and store.

  • Step 4: Setting Spending Limit

    • Setting a spending limit arrow-up-rightto control usage either daily, monthly, or total spending.

    • To set or adjust the limit, tap on “Spend Limit” and enter your desired amount.

  • Step 5: Increasing Your Privacy Limits

    • If you need higher daily or monthly spending limits, you have two options:

    • Contact Privacy Support to request a limit increase

    • Use your current limits consistently: Privacy may automatically increase your limits once you regularly reach your daily or monthly cap

Supported Sites

  • ✅Target

  • ✅Shopify ( selective sites)

  • ✅Nike


Step-by-Step: How to Start with Slash

What is Slash?

  • Slash is a virtual credit card (VCC) platform that lets you fund your account first and then use those funds on supported websites. It’s useful if you want better control over spending or don’t want to use your main bank card online. In order to open a slash account you need to have a business account. You’re able to lock cards based on merchants if you choose this route.

Eligibility: To obtain Slash virtual cards, you must meet the following requirements:

📄 Required Documents

  • Government-issued ID for all beneficial owners

  • Articles of Incorporation

  • Two bank or credit card statements from another institution

  • Basic business information

  • Business name

  • Incorporation date

  • Business address


Create a Slash Account

  • Visit the Slash websitearrow-up-right or app using the divine invite link.

  • Sign up with your email and required details

  • Complete any identity verification if prompted

How to Create Slash Cards

  • Step 1: Select cards on the left tab Step 2: Click ADD to create a card

  • Step 2: Click New Virtual Card

  • Step 3: Complete all required details for your virtual card, then select the account that has funds available.

How to set your spending limit

  • Step 1: Select “Limits Tab” and toggle on “Utilization Limit”

  • Step 2:Set your desired spending limit and choose one of the five category time frames. This is how to set your spending limit for Slash.


Step-by-Step: How to Start with Revolut

  • Revolut cards can ask for 3DS when making a purchase. It is site dependent but usually works on most sites. There have been times if you build history on a site they will not keep asking you for 3DS.

  • Step 1: Open the Revolut App

    • Open the Revolut app on your phone

    • Log in to your account

    • Make sure your account is verified and has funds available. Select the “+ Add Money” icon on the bottom-left corner to add funds to your account.

  • Step 2: Go to the Cards Section

    • Tap “Cards” on top right corner

    • Select “Add new card”

  • Step 3: Choose Your Card Type

    • Select the card you want to create:

      • Physical card – delivered to your address

      • Virtual card – for online payments

      • Disposable virtual card – for one-time purchases

  • Step 4: Set Your Spending Limit

    • After creating your virtual card (VCC), open the card settings

    • Select “Spending limit”

    • Set your preferred limit to control how much can be spent on the card

💡 Tip: You can customize and organize your cards by purpose or merchant: such as Target, Walmart, Best Buy, or Shopify. Staying organized makes tracking and managing expenses much easier.


Step-by-Step: How to Start with CAPITAL ONE ENOarrow-up-right

Eligibility

  • Must be a Capital One credit card holder

  • Required to access Eno

Card Limits

  • Up to 20 virtual cards per day

  • Approx 1200 cards

Security (3DS)

  • 3D Secure may trigger randomly

Card Type

  • Credit Card but 🔒 Merchant Locked

Best Sites

  • Works on the majority of sites.

When a card is merchant-locked, it can only be used on the first website where it’s charged. For example, if you make a purchase on Target, that same card cannot be used on Walmart and will result in a decline.. It’s best to generate a separate card for each site you plan to use.

How to Use a Capital One Virtual Card Online

Capital One cardholders can easily create and use virtual cards for online purchases through several options:

Ways to Create and Use a Virtual Card

  • Capital One Online Account Log in to your Capital One account to generate or manage virtual card numbers.

  • Capital One Mobile App arrow-up-rightCreate or select a virtual card directly from the app when shopping online.

  • Eno Browser Extension arrow-up-rightUse the Eno extension to generate or choose a virtual card right at checkout.

  • Autofill on Chromearrow-up-right & Android Apps When shopping on Google Chrome or Android apps with autofill enabled, you can select a virtual card number linked to your Capital One credit card.


Step-by-Step: How to Start with Robinhood

What is a Robinhood Virtual Card?

  • A virtual card is a digital payment card number you can use online or in mobile wallets without needing a physical card. Robinhood offers virtual cards that help protect your real card number and give you control over spending and security when shopping online.

  • Merchant Locked: NO⛔

  • Card Limit: Approx. 50

  • Eligibility: Good credit and a Social Security number

How to Create & Manage a Virtual Card

  • Step 1: Open the Robinhood Credit Card App APPLEarrow-up-right | ANDROIDarrow-up-right

  • Step 2: Go to Cards on the bottom menu

  • Step 3: Tap Add a virtual card.

  • Step 4: Choose the type of card you want (Free Trial, Single Use, or Standard).

  • Step 4: Set Your Spending Limit

    • Adjust settings like monthly limits by clicking “Set Limit”


AMEX EXTEND

Eligible American Express card (usually Amex Business)

  • Approved access to Amex Extend

  • Merchant/site you plan to use the card on

How to Create a Virtual Card

  1. Log in to Amex Extend

  2. Go to the Extend dashboard and sign in. https://app.paywithextend.com/home arrow-up-right

  3. Select Your Amex Card

  4. Choose the American Express card you want the virtual card tied to.

  5. Click “Create Card”

  6. This starts the virtual card setup.

  7. Select either Standard or “Recurring card”

  1. Set the Card Spending Limit

  2. Enter the spending limit you want for the card.

  3. Assign a Merchant (Recommended)

  4. Add the merchant or website name.

  5. Merchant‑locked cards reduce declines and misuse.

  6. Set Expiration (Optional)

  7. Choose an expiration date if you want the card to auto‑disable.

  8. Create the Card

  9. Confirm details and generate the virtual card.


Stripe Virtual Card Guide (Issuing)

⚠️ Important – Read First

Stripe does NOT automatically give virtual cards. Virtual cards are part of Stripe Issuing and require:

  • A fully verified Stripe business account

  • Approval for Stripe Issuing

  • A legitimate business use case (expenses, employee cards, SaaS tools, etc.)

If you don’t qualify, the option will not appear. FULL VIDEO GUIDEarrow-up-right

  • Step 1: Create a Stripe Account

  • Sign up using:

    • Business email

    • Strong password

    • Verify your email

  • Step 2: Complete Business Verification

  • In your Stripe dashboard, submit:

    • Legal business name (LLC / Corp / Individual)

    • Business address

    • EIN (or SSN for sole prop)

    • Owner identity verification

    • Bank account for payouts

All info must be real and matching or Stripe will restrict the account.

  • Step 3: Activate Payments

    • Dashboard → Payments

    • Enable:

      • Card payments

      • Optional: Apple Pay / Google Pay

      Add:

      • Website or product description

      • Refund policy

      • Customer support contact

Stripe will auto-review this.

Answer:

  • Why you need virtual cards

  • How they’ll be used

  • Estimated monthly spend

  • Submit application

Approval usually takes a few hours to a few days

  • Common Reasons for Denial

  • No real business activit

  • High-risk business categor

  • No website or policies

  • Brand-new Stripe account

  • Inconsistent verification info

  • Step 6: Add a billing address.

  • If you’re creating a company card, add the tax ID number.

  • Add contact information, which is required for certain features like digital wallets.

  • Click Create cardholder.

  • Step 7: Create a virtual card

    • You can use the Dashboard to create a new card

    • Go to Issuing → Cards

    • Click Create card (upper right)

    • Search for and select the cardholder you created

    • Choose Virtual as the card type

    • Click Activate card

    • Click Create.

    How to Set, Adjust, or Remove Card Spending Limits

    1. Go to the Cardholders section of your Corporate Card Dashboard.

    2. Select the cardholder’s name to view the card details.

    3. Under Authorization Controls, click Edit.

    4. Under Spending Limits, review the current spending limit (amount, interval, and categories).

    5. To add a spending limit, click Add and set the desired amount, interval, and categories.

    6. To remove a spending limit, click the trash icon next to the limit.

    7. To adjust a spending limit, remove the existing limit using the trash icon, then click Add to set a new one.

    How to Set Spending Limitsarrow-up-right

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