Alfa Bank: virtual card - how to apply?

Thanks to the development of technology, more and more people are buying goods in online stores. This saves time and money. To simplify the payment process, a virtual card is used. Alfa-Bank also offers such a product. It is only necessary to arrange it so that many advantages are available.

About the Bank

"Alfa-Bank" was opened in 1990, and since then it is actively developing. Now the organization is considered one of the popular and popular among customers. There are many types of banking services with their advantages. Serving private and corporate clients.

The head office is in Moscow. Alfa-Bank employs more than 21 thousand employees. The Bank regularly receives various awards due to its successful work. Favorable services are available to customers at any time.

The concept of a virtual map

The virtual card of Alfa-Bank is issued under the logos of Visa and Master Card. This payment tool is designed to pay for purchases in electronic form, it can not be used to calculate in ordinary stores, and cash cash.

The service is designed to protect customers from phishing - the type of theft of funds from plastic cards during payment of goods in online stores. The virtual Visa card "Alfa-Bank" will make payments safe.

Features of the service

The service has several advantages:

1. There is no physical carrier and pin-code. Such a card can not be stolen. The user orders using the Internet, receiving the requisites. This provides an opportunity to create a payment instrument for purchase, protecting personal information and money from scammers.
2. Quickly locked, unlocked and closed. It is not necessary to waste time for such procedures.
3. The limit is set independently. When planning a purchase for a certain amount, you can replenish the card within it, and then there will be no possibility of further use.
4. Security. Full number can be found only on special request, which is sent only from your number.

The virtual card of Alfa-Bank costs 49 rubles. The funds are written off 12 hours after the operation is completed. In other banks, the service is free. Alfa-Bank offers virtual long-term cards, but experts advise creating them for one-time payment. So it will be possible to save your money. If you are accustomed to using standard cards, you can release it in plastic form. To get it you need to contact the bank office.

disadvantages

Even with a lot of advantages, such cards have drawbacks. They can not be used to withdraw cash from the ATM, as they are intended for non-cash settlement. Virtual cards are not used to pay for purchases in regular stores.

Compared with a plastic card, it has a short period of action, which is not entirely convenient. As a rule, this period is 1-3 months. Then you need to get a new product.

Requirements

The virtual card of Alfa-Bank is provided only if it meets the requirements. Those who wish to receive it must:

• Be a customer of a bank, a user of a credit or salary card;
• Have an active account;
• Be an account user in the Alfa-Click system;
• To have Russian citizenship.

Order a card

How to apply for a virtual card of Alfa-Bank? To order, you need to do one of the following:

• Select the "Order cards" section, click "Order" next to "Virtual Card";
• Use the search string in the menu, writing: "Creating a virtual map."

The virtual MasterCard card of Alfa-Bank is issued instantly. Whichever formatting option is chosen, a page will be opened on which to enter personal information. You must fill in the fields:

• Limit in foreign currency;
• validity;
• Account number for the binding.

Then you need to check the data and click on the agreement with the rules of using the service. It is necessary to pay careful attention to writing the name and surname of the cardholder in Latin letters. Then you need to enter a one-time password. After performing the operation, the card will be shown in the special tab of the personal cabinet, and some of its number will be hidden by asterisks.

The virtual card of Alfa-Bank is valid for not more than 30 days. The establishment of this time period is connected with the desire of the bank to keep the information and money of clients. The user at any time can block the card, and then unlock.

Is activation required?

The release occurs instantly, after which the card can be used. This does not require activation. To use it, it is important to obtain the requisites that are requested for payment in online stores. With the availability of the required data, there will be no difficulties with payment.

Where are they accepted?

Cards are issued under Visa or MasterCard payment systems. Accept them wherever such systems operate. They can pay in most online stores, in various services with goods and services. Restriction is the purchase of lottery tickets, casino chips and other gambling products.

Use

The virtual (local) card of Alfa-Bank is used for payment in online stores. To do this, you need to enter the details of the payment system. The numbers hidden by asterisks will be sent in the SMS-notification. There will also be a CVC2 code. To receive such a notification, go to the "Detailed Information" section in the "Maps" tab.

To better understand the procedure for using, you can use a simple algorithm:

1. You need to visit the online store by selecting the necessary product.
2. Then you should open your account in the Alfa-Click system and create a new payment instrument with the necessary limit. To use it the second time, you should increase the limit.
3. Then you need to request an SMS with the requisites and pay for the goods.
4. In the end, you should close the payment system.

Alfa-Bank offers its customers the opportunity to create simultaneously 5 cards with a limit of $ 1000 each. Due to convenient use such a bank product is in demand.

Replenishment

Since modern banking services are well developed, replenishment of the account will not be a problem. You can replenish your virtual wallet by transferring money from your regular card or depositing money in cash. Procedures are performed in ATMs, Internet services, cash desks.

Integration with PayPal

To purchase goods on foreign resources, Russians often use the international PayPal system. Its advantage is an effective program to protect the rights of buyers and sellers. For those who want to buy something on the eBay website, PayPal is often the only payment option.

The peculiarity of the payment system is that identification of users is carried out by means of a binding to the account of the bank card, from which funds will be debited to pay for purchases. Since the system does not require the binding of a plastic product, a virtual card is useful. But for active use of PayPal, the binding must be done monthly.

Locking

If problems appear, you can block the card. You can do it through the Internet bank, by calling the support service or visiting the bank. Convenience is that even with a blocked bank product you can use a plastic card. Then you can start the virtual system again. Using the card allows you to make payment quickly and securely.