Yes, you can tap with a virtual card by adding it to a digital wallet like Apple Pay or Google Pay, then using your phone or smartwatch at the payment terminal, just like a physical card. Virtual cards (digital-only numbers) are different from digital wallets, but most allow you to add them for convenient, secure, contactless "tap-to-pay" functionality in stores.
You can use only one “virtual” TAP card at a time to tap and pay. However, you may manage several plastic TAP cards in the TAP app.
A virtual card is a digital card that can be used for eCommerce transactions, in-app purchases, streaming services, subscription payments, QR payments via Scan to Pay on the FNB App and contactless 'Tap to Pay' transactions on supported digital wallets such as, Apple Pay, Google Pay, Samsung Pay, Fitbit Pay™, Garmin ...
You can use your virtual card for online shopping, over the phone or to make contactless payments. It's linked to your account, just like your physical card, so payments will be debited from your balance.
Turn on a virtual card in Google Chrome
To use a virtual card at checkout, especially online, select it as the payment method and let your browser autofill the details, or manually enter the unique card number, expiration, and CVV generated by your bank; for in-store use, you typically add it to a digital wallet (like Apple Pay/Google Pay) and tap to pay at the contactless reader, if supported.
You have 2 ways to tap to pay in a store: Unlock your phone and hold it near the reader: You can tap the terminal when your phone is unlocked, even when the Google Wallet app is not open. If prompted, use your Android screen lock to verify the payment.
Virtual Debit Card is a Debit Card which is not in shape of a physical form and can be generated instantly using YONO Mobile App. It can be used for e-com (domestic & international), NFC payments by device tokenisation (Google pay and Samsung Pay in NFC enabled Android mobile device) & e-mandates.
On iPhone
Hold your Android device near the card reader and wait for the checkmark. Pay with your default card or select another.
Can I withdraw cash from ATMs with a virtual card? Yes, the virtual card allows you to withdraw cash from ATMs that support contactless use. You will need a digital wallet (e.g. Apple Pay, Google Pay) and second, a virtual card PIN code, which you will find on the LHV mobile app or internet bank.
Virtual credit cards are generally for online use only. As an alternative, you may be able to use a card stored in a digital wallet for in-store transactions (note that not all establishments accept digital wallets). Like virtual credit cards, digital wallets use tokenization to protect your actual credit card number.
Yes, you can tap with a virtual card by adding it to a mobile wallet like Apple Pay or Google Pay, then using your phone to tap the contactless reader at checkout, which uses the card's details securely without needing the physical card. Alternatively, some virtual cards allow manual entry of the card number, expiration, and CVV directly at the terminal.
Yes, you can tap a card on an iPhone, both to pay using Apple Pay (by holding your iPhone near a reader) and for businesses to accept payments via the "Tap to Pay on iPhone" feature (where a customer taps their card or digital wallet on the merchant's iPhone). You use your iPhone like a contactless card in stores by double-clicking the side button (Face ID) or home button (Touch ID) and tapping the top of your phone to the reader, or you can use it to accept payments from customers with compatible apps.
This is the same 'tap-to-pay' technology used in services like Apple Pay® and Google Pay®. To use it, you just open your mobile wallet, select your card, and hold your smartphone near the contactless symbol on the ATM.
Simply add your virtual card details to your digital wallet and you're ready to pay online or in-store via NFC. It's important to remember that you can only use virtual cards in-store if you're paying somewhere that accepts contactless payments.
Two important requisites to get you started on setting up Tap to Pay on your Android device: Ensure Near Field Communication (NFC) is activated in the Android smartphone.
Android-powered devices with NFC simultaneously support two main modes of operation: Reader/writer mode, allowing the NFC device to read and write passive NFC tags and stickers. Card emulation mode, allowing the NFC device itself to act as an NFC card.
A ghost card payment uses a digital, multi-use virtual card created for specific vendors or departments, not people, allowing businesses to automate recurring expenses like software subscriptions or supplier bills with built-in spending controls, all consolidated onto a single account statement without issuing physical cards. They are "ghost" because they have no physical form, existing only as a 16-digit number, offering enhanced security and tracking compared to traditional cards.
You can pay with Google Wallet wherever you find the contactless or Google Pay symbols. They're located on the payment terminal screen or cash register at checkout.
Yes, you can use a virtual card at an ATM, but only if it's added to a digital wallet (like Apple Pay, Google Pay) and the ATM supports contactless/cardless transactions (NFC or QR code); traditional virtual cards are for online use, not in-person, but digital wallets bridge that gap at compatible ATMs, requiring your phone to be charged and your bank to support the feature.
The 15/3 credit card payment method is a strategy to potentially boost your credit score by making two payments per billing cycle: one about 15 days before your statement closes (to lower reported utilization) and another around 3 days before the payment due date (to cover the rest and avoid late fees), though its actual impact on credit scoring is debated. It works by keeping your reported balance lower when the card issuer reports to bureaus, but experts note the specific timing isn't magical, and focusing on the reporting date is key.
Virtual cards don't have a PIN code.
The 2/3/4 rule is a guideline, primarily used by Bank of America, that limits how many new credit cards you can get: no more than 2 in 30 days, 3 in 12 months, and 4 in 24 months, helping to prevent over-application and manage hard inquiries on your credit report. While not universal, it's a useful benchmark for responsible card application, though other banks have different rules (like Chase's 5/24 rule).