The Best Virtual Credit Cards

If you have unblocked a service based in another country, then you will be aware that attempting to pay with a card from your own country and a fake postcode rarely works. Virtual cards are the solution.

A virtual credit card service allows people to transfer funds onto a prepaid debit card in a country of their choice. Most people want to unblock services in the UK and the USA, however, there are virtual cards available for just about any country.

In this article, we recommend several virtual credit card services and give you some tips on how to purchase goods and services that aren't available in your physical location.

Virtual Card Zip Code

 

The Best Virtual Credit Cards

If you have subscribed to a VPN to unblock something online, you may need a virtual card to actually purchase the subscription. This article is designed to help by allowing you to quickly pick one of the best virtual payment services.

The services below are trusted online payment providers used by consumers all over the world.

US Unlocked Virtual Visa Card

Us Unlocked

This payment service is great for anybody wishing to purchase a US service like HBO GO, Amazon Prime Video, Sling TV, DirecTV - or any other. US Unlocked provides a virtual pre-loaded debit card that is widely accepted in online US-based stores.

US Unlocked is a reusable virtual payment card that comes with a valid US billing and shipping address. The one-time sign-up fee is $15, and the monthly service fee is $3.50. The top-up fee varies depending on the method you wish to deposit funds: but are usually $3 and 3%. It comes with a valid US address and is very useful for shopping popular US merchants and signing up for many US TV services!

US Unlocked is by far the easiest and best way to quickly get a valid US payment method for paying for all the popular services you are likely to need, and for this reason it is our top recommendation. It's a trustworthy service that is great at what it does.

Get US Unlocked


Payoneer

payoneer logo

This virtual payment service is the perfect buddy for any premium VPN. It is ideal for anybody who wants to unblock and pay for US services like Hulu, HBO GO, Amazon Prime Video, Sling TV, or DirecTV.

With Payoneer, you can shop at a multitude of online stores located around the globe. And it is ideal if you want to purchase an online subscription to a sports service such as BeIN, F1TV, or UFC TV.

Payoneer provides a virtual pre-loaded debit card (MasterCard) that is accepted at US-based online stores. Alternatively, you can purchase a card for another country, depending on your needs. In fact, it can provide a valid virtual card service for around 200 countries worldwide. And, with Payoneer, adding cash to your card is easy thanks to the availability of direct bank transfers.

Best of all? A virtual Mastercard will cost you just $29.95 per year. Once you have paid that fee, you can easily pay for any US services you need time and time again. And you will not get extra fees, because it is free to make online purchases (with a USD, EUR, or GBP card).  (A cross-border fee may apply for some purchases so be sure to contact support to be clear on any potential fees you might incur).

Get Payoneer


EcoPayz ecoVirtualcard

Ecopayz

EcoPayz provides a one-use secure virtual card that gives you added peace of mind. Even if the card number is stolen during an online transaction, it can’t be used for a second time. This makes it a popular option for those purchasing goods from online stores they don’t particularly trust.

EcoPayz can be ordered in EUR, USD, and GBR. The one-off issue fee is €1.80, and the transaction fee is 4%. Consumers can open up three prepaid (one-use) cards at once. This means you can use this service to purchase multiple online services for different countries if you wish.

Get EcoPayz


LeoPay

LeoPay

This service is slightly different from the other ones on this list because it actually ships you a physical card. To get one or more of these cards, you will need to be KYC checked. Once that simple check has been performed, you can get two cards for free. The good thing about LeoPay is that it offers 10 different currencies, so if you want to unblock something in a more unusual region, this card is well worth considering. Another great selling point - uploading money to a LeoPay card is free for EU residents and just 2% elsewhere.

Get LeoPay


How much is a virtual credit card?

There is a small setup fee for most virtual payment cards. Most firms charge a one-time fee for issuing the card number. This fee is usually between $5 and $30.

Beyond that, virtual card services may charge a fee for topping the card up. That charge is between 1-5% of the transfer.

How does a virtual debit card work?

Unlike a physical debit card, a virtual payment card is nothing more than the important numbers that you find written on your card. This includes the following:

  • Card number
  • Its expiration date
  • CVV/security code

The numbers listed above are all you really need to shop online, and a virtual card can provide you with the numbers for a card that appears to have been issued in a different country to the one you actually live in.

The nice thing about virtual debit cards is that you don’t need a bank to approve you. Virtual card services allow you to charge them up with money as you go along. As a result, they do not require any credit checks. You can simply pay for one and have the important numbers delivered to you via the internet.

Virtual cards can be ordered in a choice of popular international currencies, such as US dollars, pounds, or euros. This permits you to purchase from online stores in those countries. They also allow you to pay for region-restricted online services - like US cable TV channels.

Virtual cards come in two different varieties. One can be topped up again and again, which is useful if you intend to use the card repeatedly. The second is a one-time card that expires after you have spent all the funds you load onto it.

How to get a US Zip Code to pay for a service

In addition to a valid US payment method (or whichever country you want to purchase an online subscription in), you may also need a valid US address to check out.

If this is the case, use a package forwarding address by registering for a package forwarding service. Shipito lets you join and get a US address for free! So if you need a valid US address to register an online subscription using your virtual card, this is a good option.

Package forwarding services can also be used to forward physical goods that you buy in foreign countries to your real address. This is extremely useful for purchasing consumer goods from stores like Walmart - who will only post to a valid US address!

And if you prefer to buy products from India or elsewhere, you can use a virtual card registered in India and a package forwarding service located in India.

Written by: Ray Walsh

Digital privacy expert with 5 years experience testing and reviewing VPNs. He's been quoted in The Express, The Times, The Washington Post, The Register, CNET & many more. 

3 Comments

naveed ahmad
on February 29, 2020
Reply
I want a prepaid virtual visa/master debit card in Pakistan. Can you tell me about the company which would be providing such a card service in Pakistan?
lu
on January 7, 2020
Reply
Hey, thanks for the article, entropay closed oprations last year (2019) :(
https://cdn.proprivacy.com/storage/images/proprivacy/02/member-dougjpg-avatar-image-default-1png-avatar-image-default-minpng-avatar_image-small.png
Douglas Crawford replied to lu
on January 8, 2020
Reply
Hi Lu. Thanks for letting us know. Ray says he will update the article asap.
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