Introducing Virtual Credit Cards
www.rbcroyalbank.comcross-posted from: https://lemmy.world/post/28567151
A few cards that I read about.
RBC virtual card, seems to do what I need. But it’s available for business use only.
Robinhood Gold Card, only in the states.
Wise, not sure if exact limits are available.
Context: I recently purchased a hotel stay where a merchant charged my card for the advertised price on their website, the amount was then refunded. Then another merchant charged my card a higher amount (a few hundred) all in a few seconds of the original transaction.
Edit: I found Wise provides limits on their virtual cards. I have yet to test how this works and if the transaction is declined for Insufficient funds, does anyone have experience with this?
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A bit more setup is required but I love having a Wise (formerly TransferWise) account for the virtual cards and the low fee currency conversion.
Revolut has disposable cards and only valid for one time paynent
Revolut has nice virtual cards, i use them all the time
theres privacy.com dk if its us only tho
the two I heard about are mysudo.com and privacy.com. I think both are US only. Are they both based in the US? It didnt say on the privacy.com about us page
edit: yes, they are both based in the US.
any non-US based options that offer services to the US?
Revolut has a single-use card feature. The (virtual) card regenerates with a new number after each purchase.
This is easy as I’ve been nerding out on privacy for more than a decade at this point, but privacy.com is the move here! It’s a phenomenal service (even their free tier) which lets you make one time use cards, cards locked to a specific business, or just general use cards. You can set spending limits on all of their cards, and you can set these limits for a defined period of time. Privacy.com is the bee’s knee’s, truly don’t know what I’d do without em these days!
Should have specified, anything equivalent for Canadians. I was interested in Privacy.com but the TOS are only for the USA.
What happens if you get a full refund on a purchase where you used a one-time card that no longer exists?
The way privacy cards work are very similar to when you close a bank account where The account still exists for a certain amount of time afterwards It just can’t be charged too further, so refunds or canceling of previous ones will work fine. However, charging new stuff to the card will not.
I’ve tried and it’s returned to my bank account just fine. Their purchase disputes are pretty easy too
https://www.privacy.com/pricing
Login to your credit card portal and check if they have it. I noticed mine has it as a free service now.
Edit: free service with my my cc account not straight up free to everyone with no cc.
Looking for something similar for EU, the only one I know is Revolution but doesn’t work for me