Ask HN: virtual credit card number service? | Hacker News Reader

Ask HN: virtual credit card number service?

8 pointsozh7 comments

The linode "incident" HN thread has a couple examples[1] of banks using virtual CC numbers you can use for one transaction only: BofA and CityBank

Does any one know about other services like this?

1- https://news.ycombinator.com/item?id=5553723

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In Portugal there is MBNet (https://www.mbnet.pt/), it is activated in ATMs, and will be bonded to whatever debit card you use to register.

If you have a VISA debit card, it will create virtual VISA credit cards, and if you have a MasterCard debit card, it will create virtual MasterCard credit cards.

It has an option of creating a virtual CC for only one transaction, with a value limit, and another option of creating a virtual CC that can be used several times, with a limit of up to 12 months, and a value limit as well.

When I had my CitiBank credit card, there were actually 2 options for virtual credit card numbers. One time use and max dollar use. The max dollar version could get charged repeatedly (e.g. Netflix or other subscriptions), until they hit your cap, at which point they were invalid.

I got rid of that card because they wanted to implement an annual fee, and I wasn't even getting good rewards, so I dumped it. That was at least 4 years ago though.

More specifically, the BoA and CitiBank virtual CC numbers can be used for one Merchant only (the first one charged, rather than one transaction) and you set the max dollar limit and expiration for both options. The 2nd option for reoccurring, just helps you do the math for reoccurring so you have the right total and expiration.

I have been using entropay [1] as a virtual credit card for quite some time. It isn't restricted to one-time-only transactions though.

1 - https://www.entropay.com/

I use vikingcard [0]. You can get a real or a virtual card. https://vikingcard.com/en/

Citicards does this. I don't pay an annual fee for my card so it might be worth taking a look at

discover card apparently does (never owned one though)

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