虚拟信用卡又叫国际虚拟VISA卡或者是国际虚拟信用卡，实际就是没有实体卡卡片使用，只能用于线上绑定消费。主要是针对没有国际信用卡或者担心信用卡支付安全问题的用户群体推出的一个支付产品。虚拟信用卡涵盖线上多种支付场景。一般使用虚拟信用卡最多的是跨境商家，通过虚拟信用卡来支付平台店租、海外推广投放广告、仓储物流等费用，个人用户的可话可以用于海外淘、订阅付费、购买虚拟产品等等日常消费。

Virtual credit cards, also known as international virtual VISA cards or international virtual credit cards, are essentially cards without physical form that can only be used for online binding consumption. They are a payment product primarily targeted at users who don't have international credit cards or are concerned about credit card payment security. Virtual credit cards cover various online payment scenarios. They are most commonly used by cross-border merchants to pay for platform store rents, overseas advertising, storage and logistics costs, etc. Individual users can use them for overseas shopping, subscription payments, purchasing virtual products, and other daily consumption.

那么介于虚拟信用卡可以使用场景这么多，那支付安全吗？

Given that virtual credit cards can be used in so many scenarios, are the payments secure?

这个问题是肯定的，线上虚拟信用卡比实体信用卡更加安全。消费过程中不需要用到实体卡片，可以大大的降低个人信息的泄露的风险，也可以直接避免卡片的丢失。另外虚拟信用卡不存在透支消费的情况，所以也不怕存在被盗刷的现象。用户可以根据自身的需求，随时停用或启用信用卡，最大限度的保障了资金的安全。

The answer is definitely yes. Online virtual credit cards are more secure than physical credit cards. The consumption process doesn't require physical cards, which greatly reduces the risk of personal information leakage and directly avoids card loss. Additionally, virtual credit cards don't allow overdraft consumption, so there's no fear of unauthorized card usage. Users can disable or enable their credit cards at any time according to their needs, maximizing the security of funds.

虚拟信用卡开通难吗？有什么门槛？

Is it difficult to open a virtual credit card? Are there any thresholds?

虚拟信用开通十分简单，没有门槛，轻松开户就可以实现后台无限开卡，无需申请审核等复杂流程。

Opening a virtual credit card is very simple with no thresholds. You can easily open an account and then create unlimited cards in the background without complicated application and approval processes.

注册虚拟信用卡平台，注册成功后联系客服充值。即可实现后台自助选择开卡。

Register on the virtual credit card platform, and after successful registration, contact customer service for充值. Then you can choose to open cards through self-service in the background.

虚拟卡销卡了，卡内余额能退回吗？

If a virtual card is canceled, can the balance be refunded?

可以的，卡片销卡后，不同的卡种有不同的销卡规则，详情可查看后台详情，销卡成功后，卡内余额会退回平台账号。

Yes, after canceling a card, different card types have different cancellation rules. For details, please check the background information. After successful cancellation, the balance on the card will be refunded to your platform account.

虚拟信用卡可要申请多张吗？

Can I apply for multiple virtual credit cards?

可以的，后台提供香港卡/美国卡/中国卡，可根据自身需求选择不同卡种开通，无数量限制。

Yes, the background provides Hong Kong cards/US cards/China cards. You can choose different card types to open according to your needs, with no quantity limit.

使用虚拟用卡有什么注意事项吗？

Are there any precautions for using virtual credit cards?

随着虚拟信用卡的普及，发卡行的用卡规则也逐渐完善，所以虚拟信用卡会有一定的场景限制。

With the popularity of virtual credit cards, card issuers' usage rules have gradually improved, so virtual credit cards have certain scenario restrictions.

虚拟信用卡禁止平台场景

Virtual Credit Card Prohibited Platform Scenarios

如Youtube、Wise、Prime、Netflix、Lyft、Aliexpress、其他薅羊毛行为场景是被平台禁止的。如有以上禁止行为，可能会触及到平台风控措施，强制销卡并锁定余额，情节严重的将进行由发卡行处罚或者封号。请规范使用平台卡BIN。

Platforms such as YouTube, Wise, Prime, Netflix, Lyft, AliExpress, and other behaviors are prohibited by the platform. If any of the above prohibited behaviors occur, it may trigger the platform's risk control measures, resulting in forced card cancellation and balance locking. In serious cases, penalties from the card issuer or account suspension may occur. Please use the platform card BIN规范ly.

虚拟信用卡支持平台场景

Virtual Credit Card Supported Platform Scenarios

社交平台：Facebook、Telegram、LIVE、TikTok、LINEPAY、SKYPE、DISCORD、TWITTER、DISCORD、TWITTER、REDDIT、Wechat等

Social platforms: Facebook, Telegram, LIVE, TikTok, LINEPAY, SKYPE, DISCORD, TWITTER, DISCORD, TWITTER, REDDIT, Wechat, etc.

网络工具：Paypal 、Apple 、Tencent 、Canva 、SEMRUSH 、Alipay 、Kaspersky 、ExpressVPN 、FLYVPN 、XSOLLA 、Huawei 、AHREFS 、NetEase 、CYPRESS等

Network tools: Paypal, Apple, Tencent, Canva, SEMRUSH, Alipay, Kaspersky, ExpressVPN, FLYVPN, XSOLLA, Huawei, AHREFS, NetEase, CYPRESS, etc.

电商平台：AMAZON、eBay、SHOPLINE、dhgate、LAZADA、taobao、SHOPEE、Etsy、PADDLE、SHOPLAZZA、Alibaba、FIVERR、momo、JUMIA、friDay等

E-commerce platforms: AMAZON, eBay, SHOPLINE, dhgate, LAZADA, taobao, SHOPEE, Etsy, PADDLE, SHOPLAZZA, Alibaba, FIVERR, momo, JUMIA, friDay, etc.

移动工具APP：Foodpanda、Glovo、Meituan等

Mobile tool APPs: Foodpanda, Glovo, Meituan, etc.

网络服务：Godaddy、WIX、porkbun、SCLOUD、ORACLE、AlibabaCloud、hostinger、PROXY-CHEAP、Dynadot、BANDWAGONHOST、101Domain、SITEGROUND、hetzner等

Network services: Godaddy, WIX, porkbun, SCLOUD, ORACLE, AlibabaCloud, hostinger, PROXY-CHEAP, Dynadot, BANDWAGONHOST, 101Domain, SITEGROUND, hetzner, etc.

游戏/娱乐：ZYNGA、OffGamers、Spotify等

Games/Entertainment: ZYNGA, OffGamers, Spotify, etc.

商务办公：ZOOM、Microsoft等

Business office: ZOOM, Microsoft, etc.

请自觉遵循用卡规则，如有触动违反机制，平台将自动采取相应的惩罚措施。

Please consciously follow the card usage rules. If any violation mechanism is triggered, the platform will automatically take corresponding punitive measures.

如需开卡充值，请联系客服咨询详情。

If you need to open a card or recharge, please contact customer service for details.