3 Best Virtual Card Apps – Stop Card Fraud!

In today’s digital age, we hear about another data breach or credit card scam every other day. It’s enough to make you want to bury your physical wallet in the backyard and retreat to a life of bartering! But let’s face it: Online shopping and digital transactions are here to stay. So, how do you navigate this landscape without constantly looking over your shoulder?

The answer lies in virtual cards. These digital wonders act as a shield between your actual bank account and those lurking online threats. They offer a secure and convenient way to pay for everything from that irresistible online deal to your monthly Netflix subscription.

In this article, we’ll explore the three best virtual card apps that put you back in control of your financial security: Chipper Cash, Eversend, and Geegpay.

• Chipper Cash, a popular platform for money transfers (you can read our detailed Chipper Cash review here), also offers a fantastic virtual card with robust security features and wide acceptance.
• Eversend is another excellent option, especially for those who need multi-currency support and seamless international transactions.
• Geegpay is a rising star in the virtual card space, offering unique features that cater to a security-conscious audience.

Affiliate Disclosure:

• I may earn a commission if you sign up for Chipper Cash or Eversend using the links provided in this article. This comes at no extra cost to you, and it helps support the maintenance and creation of content on this website. However, it does not influence my reviews or recommendations. I only recommend products and services that will benefit my readers.

Chipper Cash Virtual Card

Chipper Cash is a versatile financial platform immensely popular for its seamless and affordable cross-border transfers, particularly across Africa. You can delve deeper into its offerings in our detailed Chipper Cash review. But it offers much more than just money transfers. With the Chipper Card, a virtual Visa card, you can unlock a world of online shopping with enhanced security and convenience. It acts as a buffer between your bank account and online merchants, reducing the risk of fraud.

Features & Benefits of Chipper Cash Virtual Card:

• Free (with conditions): While Chipper Cash promotes the card as free, a small fee might be associated with creating the virtual card in some regions. It’s best to check the app for specific details in your location.
• Globally accepted: As a Visa card, the Chipper Card enjoys wide acceptance on millions of websites and online platforms globally. This makes it an excellent choice for international online shopping and payments.
• User-friendly interface: Chipper Cash is known for its intuitive and easy-to-navigate app. Managing your virtual card and tracking your transactions is straightforward, even for those new to virtual cards.
• Security features: Chipper Cash prioritizes security with features like transaction notifications, spending limits, and the ability to freeze or unfreeze your card instantly. Since it’s a virtual card, your primary bank details are never exposed to online merchants, minimizing the risk of fraud.
• Additional perks: Chipper Cash offers various features beyond the virtual card, including Money transfers, which allow you to Send and receive money across borders quickly and at competitive rates.
  • Airtime and bill payments: Conveniently top up your mobile phone or pay utility bills directly from the app.
  • Crypto trading: Explore the cryptocurrency world with Chipper Cash’s crypto trading feature (availability may vary by region).

How to Get a Chipper Virtual Card:

1. Download the Chipper Cash app: Find it in your device’s app store (Google Play or App Store) and download it.
2. Register and verify your account: Follow the in-app instructions to create your Chipper Cash account. Then, provide some personal information and verify your identity.
3. Create your virtual card: Once your account is verified, locate the “Card” section within the app. Tap on “Get Chipper Card” and follow the steps to generate your virtual card details.

Pros & Cons:

Overall, the Chipper Cash virtual card is a strong contender in the virtual card space, especially if you’re looking for a platform that offers more than just a card. Its integration with other financial services, wide acceptance, and security features make it a compelling choice for many users. However, it’s crucial to check the fee structure in your region and be aware of potential customer support limitations.

Now that we have explored the ins and outs of Chipper Cash’s virtual card, let’s move on to another strong contender in the virtual card arena: Eversend.

Eversend Virtual Card

Eversend is a fintech company that’s all about breaking down financial borders. While they initially made a name for themselves with their international money transfer services, they’ve expanded their offerings to include a powerful virtual card that caters to a global audience. If you’re looking for a virtual card that’s particularly strong for multi-currency transactions and international use, Eversend is worth considering. You can learn more about their overall services and features in our comprehensive Eversend review.

Features & Benefits of Eversend Virtual Card:

Strong security: Eversend prioritizes the security of your funds and information. They employ robust security measures, including 256-bit SSL encryption, multi-factor authentication, and instant transaction alerts.

New Subscription Fee Plan: Eversend has recently introduced a simplified subscription model for their virtual cards. You have two options:

$1 Monthly Fee Plan: Pay a recurring fee of $1 per month to access your virtual card.

$3 One-Time Fee Plan: Pay a one-time fee of $3, and you’ll never have to pay another monthly payment for your virtual card. This is a fantastic option for long-term users who want to avoid recurring costs.

Multi-currency accounts: One of Eversend’s standout features is its support for multiple currencies. You can hold and manage funds in USD, EUR, GBP, and several African currencies like NGN, UGX, GHS, KES, and RWF. This makes it incredibly convenient for international transactions and managing expenses across different regions.

Seamless international payments: Eversend excels at international payments. You can send money to bank accounts and mobile money wallets worldwide, and their virtual card facilitates smooth online transactions on international websites.

Integration with Eversend ecosystem: The virtual card seamlessly integrates with other Eversend services, such as money transfers, bill payments, and insurance purchases in certain regions. This creates a centralized platform for managing your local and international finances.

User-friendly App: Eversend’s app focuses on simplicity and ease of use. With just a few taps, you can easily navigate the features, track your spending, and manage your virtual card.

How to Get an Eversend Virtual Card:

1. Download the Eversend app: You can get the Eversend app from your app store (Google Play or App Store).
2. Create an account: Sign up for an Eversend account by providing the required information and verifying your identity.
3. Order your virtual card: Once your account is active, navigate to the “Cards” section of the app. Choose the virtual card option and follow the instructions to generate your card details.

Pros & Cons:

Overall, the Eversend virtual card is a compelling choice for those who frequently engage in international transactions or need to manage funds in multiple currencies. Its integration with the broader Eversend ecosystem provides a convenient and centralized platform for managing various financial needs. However, it’s essential to consider the subscription fee to access the card’s full potential.

With Chipper Cash and Eversend covered, let’s introduce our final contender, a platform with a unique focus on security and global payments for African professionals: Geegpay.

Geegpay Virtual Card

Geegpay is a relative newcomer to the fintech scene. Still, it’s quickly gaining traction with its mission to empower African freelancers, remote workers, and businesses to participate in the global economy. Their virtual card is a core part of their offering, providing a secure and convenient way to manage international payments and expenses. If security and seamless global transactions are top priorities for you, Geegpay is worth exploring.

Features & Benefits Geegpay Virtual Card:

• Virtual card with a focus on security: Geegpay strongly emphasizes security. Their virtual cards come with features like 3D Secure authentication, transaction notifications, and the ability to instantly freeze or terminate your card. They also utilize advanced encryption and fraud detection mechanisms to protect your funds and information.
• Geared towards global payments: Geegpay is designed with the needs of international professionals in mind. They offer virtual cards in USD, GBP, and EUR, making it easy to receive payments from clients worldwide and manage expenses in different currencies.
• Integrated with Geegpay ecosystem: The virtual card seamlessly integrates with other Geegpay services, such as:
  • Global accounts: Open USD, GBP, and EUR accounts to receive payments from international clients.
  • Invoicing: Generate professional invoices and automate billing for your clients.
  • FX conversions: Convert between currencies at competitive rates.
• User-friendly platform: Geegpay offers a user-friendly web platform and mobile app, making it easy to manage your accounts, cards, and transactions.
• Building credit score: Geegpay is unique because it allows you to build a credit score using your virtual card. This can be particularly beneficial for those new to credit or looking to improve their creditworthiness.

How to Get a Geegpay Virtual Card:

1. Sign up on the Geegpay platform: Visit the Geegpay website or download their mobile app.
2. Create an account: Provide the necessary information and complete the registration process. You’ll need to verify your identity.
3. Order your virtual card: Once your account is verified, navigate to the “Cards” section and follow the instructions to request your virtual card.

Pros & Cons:

Overall, the Geegpay virtual card is a promising option for those who prioritize security and need a platform tailored for international transactions and managing finances as a global professional. Its integration with other Geegpay services creates a comprehensive solution for freelancers, remote workers, and worldwide businesses. However, being a newer platform, it might not have the same extensive track record as some of the more established players in the field.

Now that we’ve closely examined each of our top 3 virtual card contenders, let’s compare them in a table. This will help you quickly see how they compare and choose the best fit for your needs.

Chipper Cash vs Eversend vs Geegpay

For a more detailed comparison of Chipper Cash and Eversend, check out our article on their fundamental differences.

This table provides a snapshot of the key features and differences between these three virtual card providers. Each has its strengths and weaknesses, so the best choice for you will depend on your specific needs and priorities.

For example, if you prioritize multi-currency support and international transactions, Eversend might be the best fit. If security is your top concern, Geegpay could be the way. And if you’re looking for a free and easy-to-use option with a wide range of integrated financial services, Chipper Cash might be the winner.

In the next section, we’ll explore the benefits of using virtual cards and why you might want to consider adding one to your financial toolkit.

Why Use a Virtual Card?

Now that we’ve explored the options available, let’s take a step back and consider the benefits of using a virtual card. Here are some of the key reasons why you might want to add one to your financial arsenal:

• Security: Virtual cards are a fantastic way to enhance your online security. Since they don’t contain your bank account details, they provide a barrier between your sensitive information and potential hackers or fraudsters. This added layer of protection can significantly reduce your risk of falling victim to online scams.
• Convenience: Virtual cards offer a high level of convenience. They can be used for online transactions, from shopping and dining to paying bills and booking travel. With a virtual card, you can avoid carrying multiple physical cards or worrying about losing them.
• Control: Virtual cards provide you with greater control over your finances. You can set spending limits, track your transactions efficiently, and even freeze or unfreeze your card at any time if you suspect suspicious activity. This level of control gives you peace of mind and helps you stay on top of your budget.
• Privacy: Virtual cards can help protect your privacy by reducing the personal information you share with merchants. Since you’re not providing your actual bank account details, you can minimize the risk of your information being compromised.
• Travel: Virtual cards can be a valuable tool for travelers. They can help you avoid the hassle of carrying multiple physical cards and currency exchange fees. You can also use them to make online bookings and pay for travel expenses in local currencies.

How to Choose the Best Virtual Card App for You

Now that you understand the benefits of using a virtual card, it’s time to choose the one that’s right for you. Here are some factors to consider when making your decision:

• Your needs: What are your primary needs for a virtual card? Do you need multi-currency support, international transaction capabilities, or specific rewards or benefits?
• Fees: Compare the fees associated with each card, including the cost of getting the card, monthly or annual fees, and transaction fees.
• Security: Consider the security measures offered by each card, such as 256-bit SSL encryption, multi-factor authentication, and transaction alerts.
• Ease of use: Choose a card from a provider with a user-friendly app or website that makes managing your card and transactions effortless.
• Customer support: Consider the level of customer support provided by each card issuer. A reliable support team is essential if you encounter any issues.

Frequently Asked Questions

Still have some questions about virtual cards? We’ve got you covered. Here are answers to some frequently asked questions:

Choosing the Best Virtual Card App for Your Needs

Virtual cards are a valuable tool for anyone wanting to enhance online security, manage their finances more effectively, and streamline everyday payments. By carefully considering your needs and comparing the options available, you can find the perfect virtual card to suit your lifestyle and financial goals.

Remember, this is just a starting point. Researching and comparing different options is always a good idea to find the best virtual card for your needs.

I hope this article has helped guide you through virtual cards. If you have any questions or comments, please leave them below.

I’m always learning and improving, so I appreciate your feedback. Thank you for reading!