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Wait until your account has been verified (which can take anything from a few minutes to a few days), and once done, you'll be able to start using your virtual debit card right away, regardless of the delivery status of your physical card. You'll probably need to submit your ID and other personal information. Once you've found a provider that suits you, sign up! All providers on Monito offer accessible, online-only applications. Getting a virtual debit card account: Use Monito to compare online banks and personal finance apps.Once done, you can use your virtual card by tapping your mobile phone or smartwatch at point-of-sales terminals or making payments online as usual. Most mobile wallets require you to manually activate the card before using it, which you can do in the app under the 'Cards' section. You'll then need to add your credit card to the app by entering your card number, expiration date, CVV number, and full name and address. You can choose one you already use or one that'd be convenient for you to start using. Adding a credit card to a mobile wallet: The main options are Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.Here's a bit more about how each option works: Alternatively, you could consider getting a virtual debit card (fortunately, debit cards are more ubiquitous and capable than ever, meaning credit cards are increasingly becoming obsolete for daily use cases). Rather, you'll need to add a physical credit card to a mobile wallet like Apple Pay. Although it's possible to use a credit card virtually, you won't have the option to create one to use exclusively virtually. Most virtual cards out there are prepaid debit payment cards. Virtual cards also almost always let you set spending limits yourself (unlike most physical cards) while still coming with the same top-notch security and anti-fraud protection. What's more, virtual cards run less risk of being lost or stolen than physical ones, and if they are (for example, if you lose your mobile phone), you can easily block them online. For one, it's often more convenient, with the multi-channel functionality allowing you to make payments over your mobile phone, tablet, or PC and dodging the need to carry around your wallet.
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In 2024, there are real advantages to using a virtual card over a physical one. You can use your virtual card the same as your physical one, the only difference being that you won't be able to swipe or insert it at point-of-sales machines, so you'll need to tap your device instead or pay online. Virtual cards are fully legitimate cards (typically issued by Mastercard or VISA) with a 16-digit card number associated with your account, an expiry date, and a three-digit CVV number.