Recommend *virtual* credit card supplier please 23 March 2018 at 3:09PM edited 23 March 2018 at 7:22PM in Credit Cards 10 replies 14.1K views

fiscoking

Hello,

Can anyone recommend a virtual credit card supplier <edit> that accepts cash?

I used to use a company called 3V. You exchanged cash for a voucher in a post office, then entered the voucher number into a website, and the website gave you a Visa number to use for on-line for purchases. When the funds are gone you just repeat with a new number. No waiting, the whole process takes about an hour (I think 3V did some checks after you applied for the number).

I signed up to a company called splashplastic thinking they'd give me the above deal, but it turns out they don't give you the number on-line, they print a new physical card and you receive it after two weeks via the post. This is not what I'm looking for (£10 wasted).

Can't find 3V any more and all the comparison sites I've been to talk about 'pre-paid' cards which is not the same thing as a virtual card.

Thanks,

eDicky

https://www.moneysavingexpert.com/news/banking/2018/03/revolut-to-allow-customers-to-pay-via-virtual-disposable-card

Monese

Netteller

Tommo1980

Have a look at entropay. You can create as many vccs as you like once you have set up an account - all done instantly online. Check out their fees first though.

fiscoking

Hello,

I should have been a bit more specific - original post edited.

eDicky: Revolut require that you set up a full blown current account with them and become a premium account holder before you can generate VCCNs. Then there's all the security checks that go with that. You also can't buy the VCC with a PayPoint\Post Office voucher so that's of no use.

Tommo1980: entropay can only add funds via another card, not a cash voucher like with 3V. You also have to verify your identity by sending confidential documents scans. 3V just used your address.

Appreciate the suggestions.

fiscoking

Looks like the VCC for cash voucher system is no longer offered.

For anyone looking to use the splashplastic card - which ends up as a physical card mailed to your residential address - make sure you go through the on-line application *before* you buy the PayPoint vouchers from a newsagents. The application process is not a given even though you're asking for a pre-paid card. If their verification system can't find you on a database your application will be denied and you'll be left with a (almost) worthless voucher. The application process that checks your address is free and doesn't require a voucher number.
I asked them how I'd obtain a refund if they didn't like my address and was told that I'd have to mail the voucher in with 2 forms of ID, after which they'd issue a check - but they charge for inspecting your documents (£5 I think). The list of ID requires at least one original. Received my card in the end so it worked out for me.

I've switched to using another voucher system called PaySafeCard and you can obtain the voucher for cash at a PayPoint terminal. It's not as widely accepted as a VCC. Check your supplier accepts it first.

bigpappa

Perhaps a Visa gift card?

bigpappa

Does anyone trust these all online only banks asking for ID?

After having my ID used illegally I don't think I would ever sign up for a service asking for copies of my passport or address. Its just too easy for them to be hacked and then just fold and your data is out in the wild.

forgotmyname

Revolut were a right PITA to register with.

Lived at the same address and on the electoral roll for 20 years, same bank account for longer than that etc..

Yet they insisted i provide photo ID. Told them i dont have a passport or photo driving licence.

So they said what, no problem a citizen registration card with your photo on will do. Told them its there is no such thing in the UK.

After several messages asking for some obscure ID schemes that we do not use in the UK they said OK just topup by DD from your bank account. Except it said i was over my limit. Minimum topup£10 or £20? But it wouldnt let me topup that much.

After many many messages they finally sorted it. I wouldnt go through that again though.

8i6daddy

bigpappa wrote: »

Does anyone trust these all online only banks asking for ID?

After having my ID used illegally I don't think I would ever sign up for a service asking for copies of my passport or address. Its just too easy for them to be hacked and then just fold and your data is out in the wild.

Are you ok with walking into a bricks/mortar building and have your ID photocopied then having it left lying on a desk for who knows to see?

Also, what about when you have to leave a passport at a hotel check-in?

At least if you have instigated the transmission of your data you have somewhere to start if some fraud does occur... which is unlikely...

I've opened up accounts with Starling/Monzo/Metro Bank all via electronic means from my mobile phone and more than trust them...

dunst

fiscoking wrote: »

Looks like the VCC for cash voucher system is no longer offered.

For anyone looking to use the splashplastic card - which ends up as a physical card mailed to your residential address - make sure you go through the on-line application *before* you buy the PayPoint vouchers from a newsagents. The application process is not a given even though you're asking for a pre-paid card. If their verification system can't find you on a database your application will be denied and you'll be left with a (almost) worthless voucher. The application process that checks your address is free and doesn't require a voucher number.
I asked them how I'd obtain a refund if they didn't like my address and was told that I'd have to mail the voucher in with 2 forms of ID, after which they'd issue a check - but they charge for inspecting your documents (£5 I think). The list of ID requires at least one original. Received my card in the end so it worked out for me.

I've switched to using another voucher system called PaySafeCard and you can obtain the voucher for cash at a PayPoint terminal. It's not as widely accepted as a VCC. Check your supplier accepts it first.

hi fiscoking,
I am also looking for a monzo prepaid card replacement as i too dont trust them with my 'voice imprint' etc, so i didnt upgrade to their 'new current account' for that specific reason.

I had a look at the 2 you mentioned -

(1) Splashplastic card
(2) PaySafeCard

but it seems there are too many sneaky charges even for using the cards to pay for stuff both online & in shops.

what is your experience with both, and do you have any other prepaid cards to recommend?

silver88

I've come across 'u account' who offer debit mastercard with cashback feature. You might want to check them out - they seem pretty good :T