sadie green jewelry wholesale What is a virtual bank card

jewelry to buy wholesale to resell Virtual bank cards are virtual accounts based on bank cards, VISA, and Mastercard BIN. They have no physical card and they are essentially electronic accounts without physical carriers. Like physical cards, this virtual bank card is also divided into two types: virtual credit card and virtual debit card. For example, the virtual UnionPay debit card sets up the card BIN: "621662", the card number length is the same as the physical card, and it is also 19 digits.

Compared with the traditional physical bank card, the virtual bank card has the following characteristics:

1. The card form carrier is different. The virtual bank card has no real object, while the physical card has card media. Therefore, virtual bank cards are not easy to be copied, which can effectively prevent the risk of pseudo cards.

2, different identification methods. At present, most virtual bank cards are weak and realistic authentication through binding physical bank cards for indirect identity verification. It effectively uses the cross -verification of mobile phone numbers, ID numbers and bank card numbers to achieve financial innovation in batch customer acquisition with Internet thinking ; The physical bank card is strictly verified in accordance with the current identity identification regulations, which is a strong authenticity certification.

3, different issuance costs and efficiency. The virtual bank card is because there is no physical medium, and the card issuing bank saves issuance costs and card management costs; physical bank cards have card issuance costs and management costs.

4, different channels. At present, virtual bank cards cannot be used in self -service channels such as POS and ATMs that need media; physical bank cards can be used.

5, the payment settlement function is different. At present, most virtual bank cards are limited virtual electronic accounts. They are not actual settlement accounts. They do not have a settlement function. The settlement business of virtual bank cards is carried out through the physical bank cards associated with it, which is limited to virtual bank cards and The binding strong -name certification of the fund transfer between the physical bank card does not support the settlement of the settlement of the non -binding account. It has the characteristics of simple account opening and closed funds. According to the spirit of the "Notice", in the future, virtual bank cards can apply for part of the payment business within the payment limit. The physical bank card is a traditional bank account, and its settlement function is not limited by the above.

6, the customer experience is different. Fast application speed of virtual bank cards, supporting customers' personalized needs, which greatly improves the customer experience. Customers can apply for multiple virtual bank cards on the basis of a physical bank card. Wealth management investors can apply for a virtual bank card to separate the wealth management bills to avoid the troubles brought by too many physical cards. For multiple virtual bank cards applied for the same physical bank card, customers can set the transaction limit and validity period according to the purpose of each virtual bank card, and choose whether to open the online payment function for security control. The virtual bank card transaction limit can be modified at any time, and no virtual account can be canceled at any time.

wholesale african jewelry pieces The virtual bank card is a virtual account derived from the UnionPay, VISA, and MasterCard BIN code on the foundation of the bank card. Virtual cards are generally used for card -free payment on the Internet. They are not equipped with a response physical card with virtual cards. The virtual card of the bank card is not distinguished from the physical card in classification. It is also divided into two types: virtual credit card and virtual debit card.

The expansion information:

What is the role of bank virtual cards?

1. Application fast: users can apply at the bank counter, or through the bank counter, or via it through The process calls artificial customer service to apply for a virtual card number, and then uses related online payment settlement;

2, using safe card: Although the virtual card does not have a physical card, the use period and amount of the card also have the use period and quota of the card. All are set according to the category of physical cards, which can be banned at any time;

3, can add various types of card cards: virtual card also has a real card BIN code, so you can add various discounts from issuing bank banks to the card issuing bank Hou Dang;

4, you can specially dedicated to the card: Some users like to use one to buy online, another card to recharge the various lives; virtual cards can be dedicated to the dedicated card. Demand;

5, convenient repayment: After the virtual card is used, it is necessary to repay on the main card;
n6, can add repayment hooks: virtual card also Can join the repayment offer launched by the bank.

What does a bank virtual card mean?

It virtual card refers to the virtual bank account opened by the bank for the user. Two categories. After applying for a virtual card application, only one account can be obtained. Users can handle related businesses through this account. For example, after applying for a virtual card, users can bind it to mobile banking or third -party platforms.

If if the user consumes virtual credit cards in normal times, then the arrears must be repaid on time within the prescribed time and cannot be overdue. Usually, it is usually possible to use bank counters, online banking, mobile banking, third -party payment platforms, etc. It is worth mentioning that the repayment of third -party platforms may require a certain handling fee.

The virtual cards in the debit card belong to the three types of accounts. This account will have a limit limit when used. The balance of the three types of accounts cannot exceed 1,000 yuan. The daily limit is 5,000 yuan. 10,000 yuan. A total of one, two or three accounts are divided into one, two, and three, and one ID card can be handled up to 4 (including one type of account).

The first account of the debit card belongs to all -round accounts, which has functions such as deposits, transfer, consumption, payment, purchase of wealth management products, and cash. There is also a limit limit for use. The daily limit is 10,000 yuan, and the annual limit is 200,000 yuan.