What is a VIRTUAL CREDIT CARD? (how to create & use them safely)

[@AllThingsSecured]

What do you think about virtual credit cards? A genius idea or a privacy disaster waiting to happen? Comment below...especially if you know of a company like Privacy that serves markets outside the US. ▶ Try Privacy Virtual Credit Cards: privacy.com/ ▶ Try 1Password: www.allthingssecured.com/try/1password-creditcard

[@foxxrider250r]

Josh do you live in a different country ? And no I'm not probing for OSINT lol, but I do enjoy your videos and wish I knew more about your work background or experience. (From one IT guy to another). Great video as always .

[@AllThingsSecured]

@@foxxrider250r I'm a US citizen living outside the US :) Honestly, I don't have much of a work background in this field - and I hope I'm never misrepresenting myself on this channel. I'm just a guy who has lived in a surveillance state before and has had my accounts hacked a few times, so I've done everything I can to figure out how to add the best privacy and security to my online life as possible.

[@cognito8325]

@@AllThingsSecured So US is a surveillance state?

[@foxxrider250r]

@@AllThingsSecured Hey I totally understand. I've been a subject of some ID theft as well, but I just thought I would ask. You definitely have a good understanding so I thought maybe you worked in the field. Keep up the good quality videos. The one with your kids was hilarious

[@likebot.]

Both. Great idea but concerned about refund scammers finding a way to add it to their bag of tricks and so far I don't see how they can do that without leaving a trail. Dunno if I'd like to see this available in my country. (still going through your catalog - don't be surprised if I have an opinion on everything. Good for "the algorithm", yes?")

[@nathawayhoa1971]

I've been using privacy for a while now but my main concern about this is that if they get hacked and if they DO actually log your card credentials, you're basically screwed.

[@AllThingsSecured]

Screwed is a bit of an overstatement. There’s always risk with everything, but this service helps mitigate the risk of spreading your credit card info and address all over the internet.

[@nathawayhoa1971]

@@AllThingsSecured I’m probably just paranoid due to all the hacks lately

[@jw200]

@@nathawayhoa1971 everything is hackable , even your cc OTP, I mean 3DS. You cannot even imagine what can be hacked. Don't ask how I know

[@maxinef6654]

Set up a second checking account with your bank and upload that account to Privacy if you don’t want your main account connected. Then transfer funds to your virtual account when you’re ready to make a purchase.

[@pinkskull5521]

@@nathawayhoa1971 I feel you, the fear is strong

[@daffertube]

4:40 this guy sums up my whole week

[@edaleme7880]

this video got me fired up. What an impressively thorough and well-articulated description!

[@AllThingsSecured]

Thanks.

[@Mike_Malloy]

I read through their Privacy documents but I did not see how long they keep a record of my transactions on file. They would know where I use it and how much I spend. That would be a handy data point for marketers. I'd like it more if I knew after 30-60-90 days for example any transactions are purged for privacy, not retained forever.

[@deeparks3112]

got taken for $99 this week by NORD. Card cancelled, waiting for a new one... really going to research the virtual card area.Thanks for the video.

[@truthseeker36]

Did they ask for the last 4 digits of your ssn? Im not sure if its because I clicked business and not personal but I'm not really open to giving my social out. I would like to avoid that if possible.

[@jasgarcha4783]

Hey Josh...another great consumer hack to beat the big, power hungry, consumer info gussling conglomerates. Love it. Need something like this in the UK for sure. Keep up the great work😊👍

[@AllThingsSecured]

Thanks so much, Jasvinder! 🙏

[@rashpalpuarr3687]

Hmmm use revolut mate. Its UK based too

[@mr.sleepster4535]

Really interesting... What happens if you end up getting a refund for something and u already closed the single use card?? Where will your refund go?

[@nonshatter7]

Good question, I would also like to know.

[@jessjess4403]

I think , if the account is closed, the bank will reject the refund. Once they receive the refund back from the bank, the Comptroller's Office will issue a paper check and mail it to you.

[@mickeymurphyOfficials]

Is this work in papau new Guinea

[@ahmedtijani1716]

Refund should work exactly as they are supposed to. FYI, for a merchant to issue a refund they don't need the card number, virtual or otherwise.

[@AmeadEshpari]

It goes back to your virtual debit card as long as you still have a dollar in there so it doesn’t deactivate the card

[@vanodon2257]

Standard bank in south africa has a Similar feature

[@AllThingsSecured]

So Standard Bank offers virtual cards?

[@anomaly__6744]

perhaps mention the fact you will have to give your ssn some people don't want to give it out (i can change my bank number but not my ssn)

[@nickhansbauer]

This is so unbelievably well explained! Thanks a man, subscribed :)

[@AllThingsSecured]

Awesome, thank you!

[@wth......53]

That's crazy bro I'm just now got one and I don't know how to use it very enlightening thank you for filling me in man I had no idea I could do what you said I can do that's insane.

[@pinkskull5521]

I am extremely paranoid about websites having my credit card info so this is so helpful, although I still get anxiety everytime I buy something. It’s nice to know that my card isn’t stuck there 🥰🥰

[@AllThingsSecured]

Agreed.

[@kevink1214]

I get that but my fear is when websites get hacked and now they can potentially gain bank account info which you just gave this site.

[@marccarriere5874]

@@kevink1214 that's correct. It's worse to have your bank info out there than your credit card info. At least your credit card is insured and the Bank is liable for any loss on the card...

[@JamesParker-wq7ii]

then whos card do you want to steel?@@marccarriere5874

[@OmFusionYogaHaven]

exactly like you said like get response man it took me months to get them to stop charging my card 8 months

[@nyasha350]

Why does it ask for my full SSN that's really sketchy

[@valkiron11]

Quit lying. They don't ask for that.

[@JosephFallon]

How would you get a refund into a (now disposed) virtual credit card?

[@Curtixman]

Great question.

[@AllThingsSecured]

Refunds can still be processed on a closed card, and Privacy can still put it back on your funding source.

[@ericrsa2348]

Then the supplier refund on this virtual card. These cards exist in South Africa too via the bank and I use it especially for on line shopping. I credit the amount needed on the virtual card like that i avoid any problem and i am safe

[@radulescuserban6653]

Revolut for EU countries But I don’t know if you can set a limit

[@AllThingsSecured]

Thanks for sharing an EU option!

[@GRBtutorials]

It's worth noting that's 8 €/mo if you want that feature, though.

[@mayowaogunnubi]

How much does it cost to

[@eyesofnova]

Something of note, not all banks are supported using your debit card, so you'll be required to enter your checking account number and I don't know about you but I'm not comfortable giving my checking account number to just anyone.

[@AllThingsSecured]

Interesting note. Thanks for sharing.

[@GodzillaMX007]

What happens if the company you paid issues you a refund and you already closed you vcc?

[@grayisgood]

This is interesting but today I realized that I can keep my credit and debit cards locked all the time and just unlock when I want to use them. It's instant through the card's phone app. Recurring charges still go through. I still get my cashback. Perfect for cards you hardly ever use but I locked all of mine. Also, make accounts on transunion, equifax, and experian and freeze your credit. Nobody can get credit in your name with the credit freezes in place. Get on the sites and temporarily lift the freezes the day before applying for credit. Between the credit freeze preventing new credit in my name and locking the credit/ debit cards preventing most fraud on them, and of course you can dispute charges on credit cards of someone overcharges... I'm feeling like my money and credit are pretty safe. But those virtual cards are cool, I bookmarked the page.

[@paula0907]

In Brazil we have an actual Visa virtual credit card generated by the bank app. It's like a token. Unique # and CVV that lasts 72hs for a single purchase. And yes, I get all the benefits from my regular Visa credit card. I don't believe banks in USA don't offer that service!

[@AllThingsSecured]

It's starting to become more common, but it's taking a while to catch on.

[@Uthando-h1q]

​@@AllThingsSecured In South africa we've had them since 2018 😮

[@Uthando-h1q]

@KgothatsoNthite Capitec, Nedbank, Standard bank and Tyme Bank not sure about others you can find it on your cellphone banking remote app, or ask for assistance in you local branch, it's like haven't Teo different cards from the same bank one physical and one digital

[@Floof_Factory]

I have an amex card that I want to make purchases but are only accepting visa/mastercard. Is there a virtual card that will turn my amex into a visa or mastercard?

[@bretr5886]

Thanks for another rabbit hole of security to look into. Can't wait to set this up.

[@AllThingsSecured]

Ha! I know what you mean, Bret. Seems like there’s always something new to try 😂

[@neoastral7950]

Is there something like this for people outside the US?

[@AllThingsSecured]

Revolut is one option.

[@neoastral7950]

@@AllThingsSecured thanks!

[@-Nando]

I'm from Spain EU and this would be really useful sadly it's the US only I hope they expand to other countries in the world too bc I can't find a service that does the same in the EU sadly or that is trustworthy enough

[@AllThingsSecured]

I hope a similar service opens in the EU as well!

[@pablojp3498]

Revolut virruql cards

[@aperson1181]

and no credit cards are allowed to be linked as a funding source?

[@JMW10o0o]

How do they make money? An important question to ask before dealing with any business that seems to good to be true. I really don't know but I need to find out before moving forward. I also wish you included this in your video.

[@AllThingsSecured]

Credit cards are easy - they make money off of the card swipe, just like any other payment processor.

[@El-Burrito]

I really wish we had access to a service with these features in the UK. It's such a bad idea to type your card details into any website and yet we're all guilty of it. It's become so commonplace now with most transactions only going through major websites and payment providers but this is so much more secure.

[@jaywalkra]

In the UK? You already do. Revolut. You have both the options of using the standard perpetual card, as well as creating single-use disposable cards.

[@t.j.schwehr4924]

Have you tried using a VPN to sign up? Might not be compatible with the sight, but it’s worth a shot.

[@chloerose519]

@@t.j.schwehr4924 have you used?

[@namewithheld7835]

Doesn't Visa work everywhere? I actually used a credit card in Asia and closed it the next month. I was wondering how does the name work? Do you need to use your real name?

[@taj-sid]

@@jaywalkra Revoluti s good but with Privacy you can put in another address or even psudonym. Which Revolut won't let you do.

[@abarzua21able]

Ty. I just had fraud from shopping on Etsy. They tried using 400 to purchase airplane tickets, but my bank declined because the person put the wrong expiration date which caused a decline. Thank God and also, because I got notification immediately I was able to freeze anything going in or taking out then call my bank and get new cards. Here I am waiting a week so far and still have not received them yet.

[@user-Socrates]

How this even was possible??! Etsy sellers can not see Your card details!!!

[@FrostyGames-b7x]

Ty man you just made my day see my mom won’t let me use a credit card to buy games because I need to link on and I can use one that doesn’t work so in a way your helping me

[@ExaltedWarrior]

Can you make a video explaining the new update required by Privacy.

[@luisquintana2793]

cancelling subscriptions after trial expired is painful 😖

[@Stoneysilence]

Oh, I also found there are other similar services by many of the major credit card companies or banks. Wellsfargo, Mastercard, Citi, Capital One, American Express, Chase, Visa, etc... All have virtual card services.

[@AllThingsSecured]

Very true, although in my experience they’re pretty worthless. The virtual card from my bank doesn’t allow me to set spending limits, pause the card or easily create a new one.

[@Sci-Fi_Fan296]

Oh I didn't know that! I was hoping to find a credit card option for this and am glad to have seen your comment! Thanks.

[@bionicwoman9884]

Capital one allows you to lock the card or delete it and set up a new one. Also the virtual card to only used at the website it was created before.

[@beverly9486]

For double protection, I wonder if I can use the virtual card number that the card provider gives them enter it on privacy 🤔

[@TheWkd111]

Other than being able to use the restrictions, is this much different than using PayPal for online? I have it tied to an account and credit card that I rarely use and keep the balance low on so if something comes out I see it right away and I can contact them... knock on wood I have never needed to challenge any fraudulent transactions but it does have that layer between my personal info.

[@AllThingsSecured]

Yea, PayPal, Apple Pay and other such services offer similar benefits, but few are as widely accepted as credit cards.

[@miladbannourah7798]

Any website that allows you to create a virtual credit card in Israel?

[@UnderdogFr0g]

you found any ? im tryna do that too

[@bretr5886]

Ok so I've been using Privacy for a year and love it. The only issue I run into is I have to update my account information because I will get a decline saying my funding account isn't linked. I go in update the information and resubmit and it works fine. Now I have a new question. Is there a physical card out there that will change numbers each time I use the card? I use Samsung pay but there are still places where I have to use a physical card. As always thanks for all your hard work and informative videos!

[@geoffblazer]

To clarify: they are not CREDIT cards, they are DEBIT cards. They link to your bank account and draw on your existing bank balance. It does not extend a line of credit to cover the cost of the transaction with you paying the bank back at a later date.

[@shiqiwang-eg6kk]

I guess u understand it is wrong

[@penultimatename6677]

Great idea but this is the equivalent to a debit card. They do not yet accept credit cards as a payment source. For this reason I see limited use. Maybe to pay Amazon, utilities. Anything larger there still needs to be a way to mask the number while still using a credit card. I see this as a limited fix.

[@ograndemito]

What does it say in your bank statement ? A friend of mine is married and he is trying to get a OF subscription ... not me tough.

[@Singletrack-Sr]

Can I use a generated card for PSN subscription? Is it legal?

[@r.d.6162]

Can you do a tutorial on how to change name/address per single transaction? I don't see it on the app

[@johnsweda2999]

Why I can't use it in other parts of the world... why is it limit to America it's visa Mastercard same as anybody, surely that's against free trade with banking what reason do they give they won't accept anybody else outside of the US? how much do they take in transaction

[@AllThingsSecured]

First, they don’t take anything from me on the transaction. I’m assuming they make money from a percentage of the credit card fees for the merchant. Second, it’s not about Visa/MasterCard. It’s about the funding source and the Know Your Customer (KYC) compliance for Privacy - that’s why it’s US-only.

[@xiondFirst]

It sucks being Canadian we don't have many options of virtual credit cards yet.

[@AllThingsSecured]

Sorry about that 😩

[@StrategyYouDidntKnow]

canadabuzz has article about 4 options. Kotto Visa and Stack mastercard to name a couple new ones.

[@tome3427]

If you are tying the VC to an account, you lose chargeback right .. is that correct?

[@M.W.S123]

Is there one available in the UK yet?

[@AllThingsSecured]

Have you looked at Revolut?

[@M.W.S123]

@@AllThingsSecured I have looked into it but I'm not interested in paying for a bunch of things as I'm only after virtual cards. Doesn't seem worth being charged for a year of things even tho I'm only interested in one feature.

[@OmFusionYogaHaven]

awesome video thank you dude yeah it's a pain in the ass with the recruiting sometimes they just don't get it and they charge you anyway just what I needed keep up the good work bro appreciate it

[@mrrobotplays4167]

Anything like this in Canada?

[@ARR0W]

Is it possible to change the country the card is from and give it a different billing address

[@imacca1424]

Can we use it in phone for apple pay or samsung pay?

[@V0CCO]

It is great but it requires a ssn what about us teens that are sitting around 16 years old needing one for a paypal or reselling transactions

[@spconrad9612]

So if we travel to Europe we just use this funded through our debit account? Shopping, restaurants, etc.

[@aperson1181]

what are the alternatives?

[@dave_mac]

Do you still think it's safe to connect my bank account to privacy? I would love to try it. It's a great idea.

[@donaldkindig5126]

sounds like what I am looking for, I perfer to use cash but I was looking on how to do online.

[@hugoyu2001]

It’s only for the US I’m in Australia :(

[@AllThingsSecured]

Hey…it’s an opportunity for you to build something to serve the Australian market!

[@CallMeCarlos1]

I'm from Aus and I use Revolut

[@hugoyu2001]

@@AllThingsSecured Thanks, I just so happen to be a University IT Student 😄

[@STARZldnlyfe]

Have any international ones been found

[@troyramson]

revolute allows you to create and close virtual cards . and it works in some European countries

[@STARZldnlyfe]

@@troyramson dope thanks

[@shiqiwang-eg6kk]

I have ..

[@tiffanyfair388]

Do I have to pay?

[@ceterisparibus8966]

Do these virtual credit card companies accept international customers?

[@AllThingsSecured]

Revolut does

[@sachac5435]

The pay in account to a virtual credit card must be linked somehow in the world wide web?? so may be set up a separate bank account i only pay cash into over the counter/self serve atm for a small amount of $ If any hacking traces me from virtual card back to bank account they get bugger all just wondering as all of this is in the cloud and its open to hacking nice video and thanks! if it was available in Australia id give it a go

[@rutujabadle5644]

Any tip on how to use a virtual credit card without nfc? How can I pay in store or scan the card if I don't have nfc supported cell phone?

[@AllThingsSecured]

Not sure if you can. In-person purchases (in the US at least) require either a physical card or NFC.

[@kingofkrunck]

can i use this to order off site that only accept Canadian cards

[@HalimWander]

do i able to use outside US ? Facebook have paid me some amount and sent the money as virtual credit card.. however i live in Malaysia,what should i do to get to used it ??

[@petrolheadsconcupiscence8081]

Will the bank just see it as just a price without the actual service linked to it?

[@AllThingsSecured]

If you pay for the premium service ($10/mo), you can change how the charge shows up to the bank.

[@cazarilolsen4630]

Citi gave me a virtual card, but no limitations

[@AllThingsSecured]

Yea, that’s the way a lot of the big banks do it if they offer any virtual cards.

[@douglasss1536]

anyone found a good alternative for non US citizens?

[@michaelmyers2646]

what os are you using tell me

[@yaadiie_boi1574]

Can you use these credit card on Amazon apple etc without putting your personal information

[@surangkanaho8338]

So if I have a credit card from a US Bank but live outside the US that will work?

[@AllThingsSecured]

If you’re a US citizen or legal resident, it doesn’t matter if you live outside the US.

[@richeyrich2203]

This is basically like paypal only the business doesn’t need to pay for the paypal portal link system

[@hallopez6627]

Awesome videos people, please keep up the awesome work people. You're welcome people!

[@Stenuv]

is it possible to make one without a credit card would be helpfull.

[@altitude1039]

Interesting idea, but if it is free then what are they doing with your data? Banking information? Purchase History?

[@AllThingsSecured]

Your Visa and Mastercard is free, yet we use them without issue. These virtual cards have the same business model.

[@cognito8325]

You were talking about being in a surveillance state. What exactly were you referring to?

[@AllThingsSecured]

Western China.

[@cognito8325]

@@AllThingsSecured How did you end up there? I've heard some crazy stuff about the place. How was the internet like there?

[@AllThingsSecured]

It was crazy. Internet was censored like the rest of China. Only difference was back in 2009 when it was turned off for 10 months. 😬

[@ya-lihsiao5552]

So amazing to know how virtual credit card works. Thanks a lot for sharing!

[@pcshankar]

great video! what do you use for full name and address?

[@AllThingsSecured]

Anything you want. Seriously, it accepts anything.

[@joshuarorstad1839]

@@AllThingsSecured is that technically kinda fraud?

[@MuhirwaFrancis]

Cvv please

[@shiqiwang-eg6kk]

I can provide.

[@cranexdragon1046]

this is great but it seem limited with it only making certain cards that are not multiuse

[@shiqiwang-eg6kk]

No, my company VCC card can support a variety of websites.

[@stoopidmonkey9100]

I was going to make an account but then it told me my last digits of ssn weren’t enough. So it’s asking me for my entire SSN.

[@MountainMan7.62x39]

Just signed up. This seems like a great service. Thanks for the tip. Oh, and I also liked and subscribed.

[@AllThingsSecured]

Thanks!

[@error5495]

Please cvc?

[@stuff2due]

Will you see what companies you purchased from in your bank account or does it come through as "Privacy"?

[@stevenhsommer]

Went through the process to create a new account and at the very end they force you to get a new credit card from Patriot Bank N.A. Bullshit.

[@lalajee143]

Is it normal for them to ask you to upload your driving license front and back and upload pictures of your face. Before they let you use their service

[@nicolotiraboschi]

something for non us residents?

[@wxk6617]

can i make transactions to private accounts with these cards, please respond

[@dripdisciple5710]

What happens if you buy something and buy then you want to return something like a shoes that doesn’t fit how you would though is the money going back to the vcc or your debit card/bank acc

[@AllThingsSecured]

It gets returned through your vcc (even if that card has been closed) and automatically returned to you funding source.

[@TheLittlebird956]

Would you have a shipping/billing address attached to the card?

[@AllThingsSecured]

You can use any address.

[@AK84-24]

Thank You! This was exactly what I needed while I wait a few days for my bank to mail me a new card. Happy New Year!

[@AllThingsSecured]

Glad it helped!

[@fodaysankoh8930]

Can you use the website from overseas if you have a VPN?

[@shiqiwang-eg6kk]

yes ,u need one

[@Spekt3r_808]

What do you put on the name and address field?

[@AllThingsSecured]

Whatever you want.

[@DreamIS_OP]

firstly thankyou your video really helped me but im suck at the phone verification page as i live in India and i dont have a us number to verify is there any other solution what to do??

[@AllThingsSecured]

Sorry, only available to US residents.

[@christper2000]

With the vcc from privacy, can you get refunds back to you bank account if you decide to return something online?

[@AllThingsSecured]

Yes, even if you “close” a virtual card, you can always get refunds on it.

[@maxinef6654]

@@AllThingsSecured Good to know 👍

[@Kelvin_scott]

Please selecting the nickname Disney+ does it mean you can only use for your Disney subscription

[@AllThingsSecured]

No. I can name it anything I want. But once that card gets used with the Disney+ merchant (no matter what it is named), it can't be used anywhere else.

[@Kelvin_scott]

@@AllThingsSecured ok thanks

[@Kelvin_scott]

@@AllThingsSecured please am not a merchant of Disney still can I use it

[@lukemorrison]

Any feedback on Blur yet?

[@toninja0]

Does anyone know one of this services or an alternative service works in Brazil by now?

[@Buyeverything2023]

Can I use in Facebook meta add payment method

[@yacoubpetro]

Great … what about the name and address on the card? Still those are exposed even if card number is protected

[@shiqiwang-eg6kk]

I think u need to find reliable products, I guess...

[@willyebobo]

Can I use one Virtual Credit Card For multiple subscriptions?