Almost every payment system nowadays has a choice of several bank cards, the balance of which is connected to the balance of the wallet in the system and which are very convenient to use. The QIWI service has not ignored this trend and here, too, there are several real cards and one virtual bank card for the user to choose from.

The process of creating a card from QIWI Wallet is very simple and straightforward, moreover, the user does not need to do anything at all. The whole point is that a virtual card is created along with the creation of a wallet in the payment system. Therefore, if the user is already registered in the Qiwi system, then he does not need to receive a virtual card, he already has one.

The card details should have been sent to the phone immediately after the message about successful wallet registration. If the SMS has been deleted, then you need to know how to get information on the card.

Receiving details

Almost instantly you will receive a message on your phone that will contain part of the card number and a secret code. The rest of the issue is located on the website in the menu section "Card Information".

Re-release

Each user of the system has the opportunity to re-issue a virtual card at will. To do this, you only need to perform a few steps.

This is how easy it is to not only find out the details of the QIWI Wallet virtual card, but also issue a new one if the old one for some reason does not suit you, for example, it expires.

If you still have any questions about the virtual card from the Qiwi payment system, ask them in the comments, we will try to answer everything quickly.

Sberbank virtual card is a banking product for payments on the Internet. It is issued as an additional to the main debit card. When making payments, almost any risks of fraud with funds stored on the main card account are minimized.

What is a Sberbank virtual card?

Sberbank invites all holders of debit plastic cards to issue an additional one, without physical media. This card is also a participant in the Visa and MasterCard payment systems.

Virtual card details can be viewed in your Personal Account in the remote service system. There is a sixteen-digit number on it.

The CVC2 security code is sent by the system via SMS notification when performing any operation.

Creating a bank card without a physical medium is a reliable tool for making payments on the Internet and transferring certain amounts of money from card to card.

Card Features

Virtual cards are a reliable means of payment. The features of this financial instrument include:

• All transactions made using such a payment instrument online must be confirmed by one-time passwords, which the system sends to the mobile phone number specified when issuing the virtual card.
• When making payments, the number of the bank plastic card, as well as other information about it, is not indicated anywhere.
• Such a financial instrument cannot be lost.
• A Sberbank virtual card is a safe way to withdraw electronic money from popular wallets: WebMoney, Yandex-money, Qiwi and some others.

How to receive a virtual means of payment from Sberbank?

To apply for a virtual card at Sberbank, the following conditions must be met:

• Have a valid debit card at this financial institution.
• You should definitely register in the Sberbank Online remote service system.
• Activate the SMS notification service.
• Conclude a universal banking service agreement with a bank branch.

• Visit a Sberbank branch.
• Call the customer service number.
• Apply for a card in Internet banking.

In the department

You can create a virtual means of payment in person by visiting a Sberbank office. Here you need to contact a bank employee with a passport of a citizen of the Russian Federation and a main card.

The manager will help you draw up an application and register your card in the Sberbank Online system.

The client will receive a virtual account. The next day, the commission for issuing the card will be debited from the main card account. The owner of an electronic payment instrument independently selects a tariff package for servicing this financial instrument that meets the client’s requirements.

By phone

To issue a virtual card, the holder of a debit card from Sberbank can call the contact center and order it from a customer support service operator.

To do this, you will need to provide the employee with the required information to identify the client. The operator may request information about the number and validity period of the main payment instrument and the passport details of its owner.

In the Sberbank Online system

For active users of Internet resources, it is easier to obtain a virtual bank card in the remote service system.

This requires:

After the virtual means of payment is issued, the commission for the transaction will be debited from the card account.

Change information

A person is not immune from mistakes. If, when filling out an application for a virtual card, the client entered incorrect information in the online banking account management system, it is enough to go back a few steps and correct the information. And continue registering the virtual card.

If the holder of an electronic means of payment has a need to make changes to previously entered information, then you need to go to the main menu of the Sberbank Online system and change your personal data. The program will automatically change the information for all products.

Conditions

The main conditions for servicing a virtual card include the following:

Card currency	Rubles
Number of cards that a client can open	1 Visa Virtual and 1 MasterCard Virtual
Validity	Up to three years
Annual maintenance cost	60 rubles
Limit on the amount of transactions per day	300,000 rubles
Additional tools	Not issued
Overdraft	The bank does not intend to set credit limits for this product
Participation in salary projects	Not provided

More detailed information about tariffs for Sberbank services is available on its official website. The Bank has the right to change the terms of service of the card due to a change in the main directions of the Central Bank's policy or the deterioration of the economic situation in the country.

Replenishment

In order to use the card through a mobile application or to pay for online purchases, it is worth topping up periodically. It can be done:

• In the Sberbank Online system.
• At ATMs or terminals of your own network.

Reissue of a virtual card

Upon expiration of the virtual means of payment from Sberbank, it is reissued automatically. The client will receive a new card with:

• The sixteen-digit number from the previous one will be retained.
• In your Sberbank Online Personal Account, a new expiration date will appear in the field next to the card name.
• The secret code CVV2 or CVC2 will be sent via SMS to the mobile phone number to which the financial instrument is linked. If such a password has not been received, the client is advised to call the bank’s hotline.

If you have even the slightest suspicion of an attempt to commit fraud with it, it is recommended that you take care of re-issuing this card yourself. To do this, call customer support.

Block and close a virtual card

If you decide to block a virtual payment instrument from Sberbank, you just need to call the call center and report your desire. The contact center operator will perform the blocking operation. The client should remember that the “unblock” operation is not provided for virtual means of payment. To resume operation of this tool, you will need to issue the card again.

The client has the right to independently close the virtual card before its expiration date. To do this you will have to do the following:

• Transfer the balance of funds from the virtual card to the main card.
• Make a call to customer support.
• Order the card to be closed.

Video:

Conclusion

Sberbank of Russia offers its clients a convenient and reliable means of payment using Internet services. A virtual card is a financial instrument with a high degree of protection. This is an electronic version of a regular debit card. Payment by card for goods, works and services on the Internet is available to all Russian citizens.

Virtual card from Sberbank– a service for secure payments on the Internet. Details of use are in the article.

What is a virtual card?

The Sberbank virtual card is a debit card for paying for purchases of services on the Internet. The main advantage: protection of funds on the main card account. This way, you can safely pay with a virtual card for your purchases in online stores or top up electronic wallets, such as Yandex.Money.

How it works?

When paying or transferring funds online, a specific purchase amount is transferred from the main card to the virtual one. The card balance is reset to zero, the details of the main card remain secret. The likelihood of your funds being stolen is zero.

How to apply for a Sberbank virtual card?

Sberbank issues two types of virtual cards: Visa and MasterCard.

The Sberbank virtual card has a 16-digit number, CVC2 code - a 3-digit security code, expiration date - everything is the same as a regular card.

To connect with a virtual card, you must activate the SMS banking service.

Who can connect a virtual card?

An existing Sberbank client with a debit card connected to the mobile banking system and the Sberbank-Online Internet banking system.

Attention! The service operates in demo mode and is currently available only to clients in Moscow!

Apply for a card by phone:

Call the hotline 8 800 200 37 47 or 495 500 00 05.

Visit your nearest Sberbank branch.

Apply for a card in the Sberbank Online system:

Sberbank issues two types of virtual cards: Visa and MasterCard. Cards are issued in rubles.

• Card validity: 3 years
• Maintenance cost: 60 rubles per year
• Electronic chip protection: no
• Issue of additional cards: no
• Overdraft limit setting: no
• Release under a salary contract: no

Funds for connecting a virtual card will be debited from the main account the next day after registration.

Attention! You can connect only one Visa Virtual card and one MasterCard Virtual card.

How to top up a Sberbank virtual card?

Replenishment is carried out only by the owner of the virtual card non-cash through Sberbank Online or through a Sberbank ATM using the “transfer from card to card” operation.

Conditions for card reissue

The virtual card is reissued automatically, while:

The card number will remain the same.
The new card expiration date can be seen next to the card name in the menu of the Sberbank Online Internet banking system.
You will receive a new CVC/CVV code from the virtual card via SMS to your linked mobile phone.

What to do if the code did not arrive?
If you have not received a message with a CVC/CVV code, call:
900 or 8-800-555-555-0 (for calls from mobile phones).

Calls within Russia are free for subscribers of mobile operators: MTS, Beeline, Megafon, Tele2, Yota, Motiv.

How to block a virtual card?

Call the Sberbank contact center and ask to block the card. This card is no longer suitable for further use and therefore you will need to apply for a new virtual card.

I don’t want to use the card anymore, how can I close it?

You must again call the Sberbank contact center and give an order to close it. Before this, transfer the balance of the virtual card to the main card account in the Sberbank Online remote service system.

Qiwi is the simplest and most popular system for making both virtual payments and cash purchases. Many international financial companies cooperate with this brand, which indicates both its reliability and demand not only among the Russian population, but also among residents of other countries.

One of the main employees is Visa - the most famous payment system in the whole world. Together, these trends created a project called “Visa QIWI Vallet”. This project allows you to create an electronic wallet that can be managed in several ways and using several electronic bank cards.

QIWI Visa Card is one of the available cards linked to a single account in Visa QIWI Vallet. Creating one without a corresponding account in the virtual wallet system is difficult and costs money, so first it would be better to register in the system, and then follow a short system of actions to receive such a card. If such an account exists, then subsequent actions will not take much time.

How to get a card

1. In order to create a virtual QIWI Visa card, you first need to log into your Qiwi wallet. The top panel offers different sections, among which is “QVC”. Select this item and go to the appropriate page.
2. After the transition, a window will appear with a message stating that there are no similar active cards for the owner of this wallet. There will be a “Get QVC” button next to it. Click on it.
3. A new window will appear with forms that need to be filled out. The truthfulness of filling out is very important: real name and surname, passport number and series, registration - by filling out these fields correctly you can get a card. After that, click the “Get QVC” button again.
4. A new window will appear informing you that a message will be sent to the number specified during registration with the QIWI Visa Card. It will contain the card details - it is with their help that you can pay for purchases on the Internet. This card is only valid for two years. If necessary, the card can be liquidated and a new one opened. Also, after updating the page, it will contain the same details as in the message, because it cannot be guaranteed that the card owner will not accidentally delete the SMS or lose the recorded card number. However, it is worth remembering that the site will only display the first and last 4 digits of the card and its expiration date. The message on the phone will indicate the full card number and QVC security code; if necessary, the site will send the details again.

After receiving the card, it is quite logical to learn how to use it.

The virtual Qiwi Visa card is no different from regular credit cards, only it can only be used on the Internet. To receive a similar plastic card (QIWI Visa Plastic (QVP), you need to order it through the website. After some time, it will arrive by registered mail using the services of the Russian Post or SPSR-EXPRESS - at the customer’s choice.

How to top up a Qiwi virtual credit card

You can top up your card account in several ways:

1. Translations. Convenient, but not the most common way to top up your account. Using a transfer system or, more easily, a bank transfer, the money is deposited into a QVC account.
2. Online. This section includes more ways to replenish a QV card: transferring money from other electronic wallets, bank cards (using online banking services), debiting funds from a personal account to the card, etc.
3. Bank cards. Replenishment can be done either using an ATM or at a bank branch.
4. Cash. The most popular way to top up QVC. Using this section, a map with terminals located in the city selected by the client is displayed.

Read also: ?
Thanks to these terminals You can turn cash into virtual money. To do this you need:

• in the terminal, from three points you need to select “Payment for services”;
• then select “Electronic money” in the grid of offered services;
• select “QIWI wallet”;
• enter the number to which Visa QIWI Vallet and other details are linked;
• deposit the required amount of money;
• select “Work with accounts” and set the ruble QVC account as the main one;
• We save the receipt - it can always confirm the fact of replenishment of the account.

Commissions and tariffs for QIWI Visa card

This card is very convenient for those who often make purchases on the Internet, however, like any other card, it charges certain commission percentages when making purchases. In Russian stores such commissions are not charged, but in foreign stores in rubles the commission will be 2.5% of the total purchase amount.

There is also a limit that applies only to unidentified users - 600,000 rubles (in Russian stores) and 1,000 dollars (the equivalent in rubles in foreign stores). A pleasant bonus awaits those who use such a card to pay for a purchase worth more than $500 - the buyer will receive a QVP plastic card for free.

Summing up, or rather finishing the review of the capabilities of the Qiwi Visa virtual card, I would like to highlight the main advantages of obtaining it:

• for those who have an account with Visa QIWI Vallet, the issuance of a virtual card is free;
• servicing such a card is also free of charge + SMS notification;
• You can pay for purchases at any store that accepts Visa cards (that is, almost all);
• replenishing your account is very convenient and without commissions;
• You can manage the card either using a PC or using a mobile application.

Greetings, friends! Today I will tell you how to create a virtual QIWI card. I started it to pay in online stores: previously I used the plastic version of Visa, on which I kept funds for current expenses. But one day, after an unauthorized access attempt, all the money was almost withdrawn from her. Then I set limits on online payments, and got a QIWI card for purchases. For this reason, I myself felt the “pitfalls”: after reading the article you will know about everything.

What is a QIWI virtual card: product features

A means of payment from an electronic system is a kind of account in which money is stored. The card is not issued on a tangible medium, so you don't have to go to the bank or office to pick it up. The advantages of this option also include the following:

1. The electronic system offers it free of charge for each user who registers a wallet.
2. You will make payments in any online store if it accepts Visa cards.
3. Using the product is completely safe. When making purchases on the Internet, you will not enter into the forms the details of the means of payment to which your salary is transferred.
4. It’s convenient to top up virtual QIWI: you have terminals, ATMs, a card on a physical medium, communication shops and even the balance of a mobile operator at your disposal.
5. Management is carried out in your personal account, and you can enter it from a stationary device or a mobile gadget. Whether you want to change your PIN or view your transactions, it's easy.

After I created a virtual QIWI wallet card, I began to differentiate between payments for online purchases and current expenses “in real life”. This benefited the budget and helped save money.

Disadvantages of a virtual card

There were some downsides, too, because It is impossible to withdraw money from virtual cards at ATMs. They are only suitable for online payments: you will not be able to make a purchase in a regular store or pay for a hotel room, even if you made a reservation online. The disadvantages include the presence of limits, because after exceeding them the card will be useless.

Types of QIWI cards

You can find information online about different types of virtual instruments, but in 2018 many of the options are outdated. Even if you have used the system in the past, check the current situation.

Features of QIWI Visa Virtual

The payment system issued QVV, but from 02/26/2018 their sale was stopped. It is also impossible to top up created cards, and this applies to both dollar and ruble options. But holders have access to other QVV operations: their validity period remains unchanged. However, it will not be possible to reissue QIWI Visa Virtual, so technical support advises switching to QIWI Virtual Card.

QIWI Virtual Card: how to use it

The means of payment was named “Virtual card with wallet balance”. It will be useful in the following cases:

1. When making purchases on unverified sites, you should not indicate the details of the plastic Visa on which you store the money. Entering a QIWI virtual card number will not lead to the loss of your main savings.
2. If you have forgotten your payment details and cannot clarify them, you do not have to cancel the purchase. You will pay using a virtual means of payment.

The validity period is 2 years, after which you will reissue it in your personal account. As for commissions, no money is debited for creation and maintenance. If you make purchases in Russian online stores, then no interest is charged on the transfers. But when shopping abroad you will have to pay 2,5% , and the amount cannot be less 30 ₽. Money is also charged for SMS notifications: the monthly payment will be 29 RUR; replenishment is free.

The main disadvantage is that it is not possible to order a QVC card on a plastic carrier.

How to create a virtual QIWI card

The advantages of the payment method include its availability. You don't have to think about how to get a virtual QIWI card, since it is created automatically when you register your wallet. You will learn the details from the SMS delivered to the phone number to which you link the account.

To view your card details, follow the instructions step by step:

If you need details and you did not receive them via SMS, click on icon next to the QVC icon. From the drop down menu select "Get details": They ship once a day for free. Click “Send” and the message will be sent to the linked phone number: it contains the card number and a 3-digit code.

How much does it cost to create a virtual card?

The payment instrument is created free of charge and is valid for 2 years, after which you will reissue it. It is important that you are allowed to link 1 active card to your wallet.

What limits are set on the created QVC

The payment system imposes restrictions depending on the status of the wallet to which QVC is linked. Immediately after registering in the system, you will encounter the following restrictions:

• you can store no more in the account 15,000 ₽;
• the total amount of payments should not exceed 40,000 ₽.

If you have been identified online, your status will be upgraded to “Main”. You will keep the account until 60,000 ₽, and the allowable amount of payments will increase to 200,000 ₽ per month.

According to the information on the website, the owner of a wallet with the “Professional” status will receive the most favorable conditions:

• maximum amount for storage - 600,000 ₽;
• There are no limits on payments and transactions.

But is everything as tempting as described on the official website? The problem is that the security service blocks even identified wallets with the “Professional” status. Naturally, the virtual instrument attached to them becomes useless. The situation is described in detail in the client's review, which will serve as a warning to you.

Experience using the QVC virtual card

I used the electronic system for 5 years, passed face-to-face verification, got a virtual and plastic card. I didn’t pay attention to negative reviews online, received my salary on QIWI (I’m a freelancer), took out and paid off loans, even kept savings for a car in my account!

On 07/09/2018, the wallet was blocked, and after communicating with technical support, I was informed that the contract was terminated. There was quite a bit of money left in the account; it would be better if I kept it under my pillow! Technical support stated that in order to receive the balance, I need to provide a package of documents, and without them they will not give me the money. I had to borrow from friends to snatch my hard-earned money from the scammers.

What I don’t understand about this attitude towards clients is the limits set. According to the rules, I can keep up to 600,000 rubles on a virtual card. It turns out that the administration of the service can take this amount for themselves if the owner of the wallet, for his own reasons, does not provide them with a package of documents?

How to pay for purchases with a virtual QIWI card

Although storing large sums on virtual media is not recommended due to unreasonable blocking, it is suitable for online purchases. How to pay for goods with your virtual QIWI card? Follow the instructions:

The process is no different from using plastic payment instruments: it is enough to store an SMS with the received details or write them down in a safe place. If you still have questions about how to create a virtual card in the QIWI system and pay for purchases, watch the video:

Problems when paying for purchases with a QIWI card

When using a virtual payment instrument, the following difficulties arise:

1. Some online stores ask you to enter an authorization code. It is sent in a message to the phone number to which the wallet is linked. To receive an SMS, first enter your card details into the form on the store’s website.
2. It happens that an online store rejects a payment. In this case, check the following: the presence of the required amount in the account and the correctness of the data entered. Sometimes the problem is that the site does not accept transfers from Visa. But practice shows that the reason in most cases is exceeding the limits or blocking the wallet by the QIWI security system.
3. Have you forgotten your details and requested an SMS, but it was not delivered? Repeat the procedure later.
4. You're asked to schedule a recurring payment, but you're wondering what will happen if QVC runs out of money. There will be no problems, since you will receive an SMS notifying you that you need to top up your wallet. If there are no funds in the account, the auto payment will be cancelled.

The main difficulties begin if the store cancels the order for its own reasons. The QIWI website informs that in this case the payment goes into Hold status and remains there for 30 days. But practice shows otherwise, and users have to wait 5-6 weeks for a refund. To avoid such a prospect, contact the owners of the trading platform with a request to write a letter to [email protected] and notify that the reservation of the amount has been cancelled. If the online store has poor technical support, then expect a long wait: QIWI employees are inactive even after the stated 30 days.

Feedback on the use of the QIWI payment instrument

I have been using QIWI for many years and have had no problems. I didn’t pay attention to negative reviews online until troubles happened with my virtual card.

On July 28, 2018, I decided to make a purchase in a foreign online store. I paid with virtual QIWI Visa and received confirmation of payment from the seller. But after 20 minutes. I received a new cancellation message. I checked the account - the money was not returned. QIWI technical support reported that the payment is in HOLD status. They advised me to write to the store administration; she didn’t answer.

Cursing the day when I decided to create a virtual QIWI VISA card, I continued to write and call their support. I waited 4 days for the result, during which I listened to standard phrases. In the end, the money was returned, but... after 46 days! I'm sure they were used for their own purposes.

How to top up a virtual card and withdraw money

QVC is not intended for withdrawals; if you want to withdraw funds from an ATM, order a payment instrument on a plastic medium. But there will be no questions about how to top up your QIWI virtual card. All you need to do is put money into your wallet in the payment system:

• in the terminal without commission;
• from a plastic card;
• at an ATM;
• Bank transaction;
• from a mobile operator account.

The amount on the created card and wallet is always the same; to find out, check your account in the usual way.

How to find out QVC virtual card number

It often happens that a user opens a QIWI virtual wallet without knowing about the automatic opening of QVC. He does not save an SMS with card details delivered to the linked phone number, and subsequently cannot pay for purchases. In this case, go to your personal account, find the “Bank Cards” section; select the “My cards” sub-item.

You will see a list of available payment methods, including the QIWI virtual card. But the details are only partially visible: this is done for security purposes, so that if unauthorized access occurs, attackers will not spend your money on online purchases.

QIWI virtual card holders ask how to find out the full number. To do this, click on the icon next to the payment instrument icon and select "Get details". The delivered SMS will contain numbers that are hidden by asterisks on the website.

How to reissue a QIWI virtual card

To reissue a payment instrument, follow the link.

On the left side of the monitor you will see the QVC icon and a list of available actions. Click Reissue.

Confirm the action and receive an SMS with new details. The old payment instrument is blocked.

Alternative to QIWI Visa Card: plastic cards

Virtual media is used by those who make purchases online. For users who intend to withdraw money from ATMs or pay in regular stores, the electronic system offers plastic cards.

To see the list of available options, go to your personal account. In the “Bank Cards” item, select “Catalog”. A list of options will appear on the monitor:

1. Personalized QIWI PayWave, produced for 3 years, will cost 199 ₽. The advantages include free maintenance and replenishment. It is important that when paying in rubles in foreign online stores, you will pay a commission (2.5%). If you decide to withdraw cash from an ATM, you will pay 2% + 50 ₽.
2. QIWI TEAM PLAY offered under similar conditions. The difference will be an interesting design and the ability to indicate not a name, but a nickname.
3. If you need a non-registered means of payment, get regular QIWI card. You will have to pay 149 ₽ for it.
4. Don't want to reissue your card often? Order QIWI PayWave+: it is valid for 5 years. It is also distinguished by its stylish design.
5. Personalized QIWI Visa Premium+ available to identified clients who have activated the Premium package. The service will cost 799 RUB per year: you will receive extended limits on cash withdrawals, free SMS notifications and fast technical support. True, practice shows that consultants’ answers, no matter how prompt, will not please you with their content. System users who have paid for Premium, just like regular clients, face blocking. You have to wait 3-4 days for answers from the security service.
6. Installment card "Conscience" designed for interest-free payments in stores, restaurants and other establishments of the partner network. You won’t be able to withdraw money from it: “Conscience” was released to encourage you to make purchases.

You will order a payment instrument on the website, indicating your full name and address. You will then be asked to select a convenient delivery method. You will not have to pay for postage, but courier services will cost 300 ₽. You can pay for the issue from a wallet in the system or from any card.

My personal experience using QVC

I used an electronic wallet for 10 years and did not understand why there were so many negative reviews on the forums. Later I started paying for purchases on the QVC network and didn’t think about the bad things.

The first “bell” in real life sounded when 35,000 rubles disappeared from a friend’s account. He had 2 wallets, and the attackers withdrew money from both. At the same time, he noticed that 15,000 rubles had disappeared from one account and began calling technical support. He was asked to draw up a written appeal, and while his friend was talking on the phone, the rest of the funds were taken from the second wallet! At the same time, the SMS did not arrive, and the security service, which blocked accounts with or without reason, did nothing. Later he was asked to write a statement to the police. Do you think the police will return the money that has already been withdrawn from the system through 10 QIWI accounts?