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How does one get virtual credit cards? I remember some banks like Discover offered them, but I don't see them anymore.

by rwbt 3y ago

criddell 3y ago
Apple Card does this: https://www.idownloadblog.com/2019/04/01/apple-card-virtual-numbers/ https://www.idownloadblog.com/2019/04/01/apple-card-virtual-... It’s not unique to Apple though. I think it’s this standard from EMVCo https://www.emvco.com/emv-technologies/payment-tokenisation/ https://www.emvco.com/emv-technologies/payment-tokenisation/
- guntars 3y ago
  Apple lets you replace your card number with a new one, but it's not quite the same as creating single-use virtual numbers for sketchy businesses.
  - criddell 3y ago
    The EMVCo link is actually more interesting. The payment tokenization scheme means that the merchant never gets your card number (the PAN), they get a token. > EMV Payment Tokenisation enhances transaction security by removing the most valuable data to a fraudster within a transaction, the primary account number (PAN), and replacing it with a unique alternative value, a payment token. > This reduces the value of payments information stolen in the event of a data compromise, as a payment token should not be able to be used beyond the environment in which it was intended. Payment tokens support both face-to-face (F2F) and remote payment transactions. Basically, if Amazon leaks my credit card data, thieves can’t use it because the number is associated with my Amazon account only. That one token can be cancelled and the next time I buy something a new one is issued and I don’t have to replace my credit card just because one merchant leaked my info.
jabroni_salad 3y ago
with capital one they have a browser extension called Eno that remembers which card is for which domain and autofills it.
_rs 3y ago
Citi still offers it
dustincoates 3y ago
Wise offers them: https://wise.com/gb/virtual-card/ https://wise.com/gb/virtual-card/
cwbriscoe 3y ago
privacy.com

How does one get virtual credit cards? I remember some banks like Discover offered them, but I don't see them anymore.

by rwbt 3y ago

How does one get virtual credit cards? I remember some banks like Discover offered them, but I don't see them anymore.

Apple Card does this: https://www.idownloadblog.com/2019/04/01/apple-card-virtual-numbers/ https://www.idownloadblog.com/2019/04/01/apple-card-virtual-... It’s not unique to Apple though. I think it’s this standard from EMVCo https://www.emvco.com/emv-technologies/payment-tokenisation/ https://www.emvco.com/emv-technologies/payment-tokenisation/

guntars 3y ago
Apple lets you replace your card number with a new one, but it's not quite the same as creating single-use virtual numbers for sketchy businesses.
- criddell 3y ago
  The EMVCo link is actually more interesting. The payment tokenization scheme means that the merchant never gets your card number (the PAN), they get a token. > EMV Payment Tokenisation enhances transaction security by removing the most valuable data to a fraudster within a transaction, the primary account number (PAN), and replacing it with a unique alternative value, a payment token. > This reduces the value of payments information stolen in the event of a data compromise, as a payment token should not be able to be used beyond the environment in which it was intended. Payment tokens support both face-to-face (F2F) and remote payment transactions. Basically, if Amazon leaks my credit card data, thieves can’t use it because the number is associated with my Amazon account only. That one token can be cancelled and the next time I buy something a new one is issued and I don’t have to replace my credit card just because one merchant leaked my info.

jabroni_salad 3y ago

with capital one they have a browser extension called Eno that remembers which card is for which domain and autofills it.

_rs 3y ago

Citi still offers it

dustincoates 3y ago

Wise offers them: https://wise.com/gb/virtual-card/ https://wise.com/gb/virtual-card/

cwbriscoe 3y ago

privacy.com