Plastic cards, well known abroad since the middle of the last century, began to be introduced by financial and credit institutions in the post-Soviet space after the collapse of the USSR. After the development of electronic payment systems, their evolution continued in the other direction, and virtual versions of these convenient tools were developed.

A logical explanation for the debate that is growing around digital money is its increasing popularity and the emergence of new opportunities not inherent in fiat currencies. Electronic money is a convenient and profitable tool in the financial system. It is believed that, in the future, such a currency can, if not completely replace, then significantly displace fiduciary banknotes from mass circulation. From the point of view of globalization, the world of the future will not need paper money and metal coins, and payments will be made using contactless technology.

Today, almost every payment service can offer customers the issue of a virtual plastic card. For example, this service can be provided by foreign services such as PayPal, Perfect Money and Payeer. Popular domestic systems such as WebMoney, Qiwi and Yandex.Money keep up with them. Lets consider what are the advantages of virtual counterparts over conventional plastic cards.

Virtual plastic card: undeniable advantages

According to statistics, almost every citizen of the Russian Federation is familiar with the functionality and capabilities of bank cards. Russians are accustomed to catching up and overtaking the United States and other states, and today, almost all of us are holders of such instruments. There are often several of them. As for the virtual card, this is a relatively new and little-known type. Some time ago, domestic payment services began to actively issue and distribute virtual Visa and MasterCard cards.

Lets draw a line of differences between plastic and virtual cards. The first ones have a standard set of functions with additional capabilities. EPS can issue virtual cards, which are intended solely for making purchases on the global web.

The best virtual cards come from well-known payment resources. Their main difference from banking counterparts is the implementation of the link to electronic storage. Lets say a client has placed an order for a virtual card in the WebMoney system, then he becomes the owner of a multifunctional payment instrument. This card is similar in purpose to material bank counterparts. Also, the user will gain access to the electronic storage using a plastic tool. It is noteworthy that the balance of the card is equal to the amount on the virtual wallet. It is quite easy to create a plastic virtual card. To do this, you need to go to your personal EPS account and fill out the appropriate form.

The presence of such a carrier gives its owners some advantages:

Offline access to e-wallet.
Instant commission-free withdrawal of money to the card. These conditions are valid for most payment systems.
Support from international payment services such as Visa and MasterCard. The presence of such functionality allows you to withdraw funds anywhere in the world.
The card is not tied to certain states, therefore, financial transactions on it will not be available to banking institutions. If a citizen of the Russian Federation wishes to issue an order for the issuance of a virtual plastic card Payeer, then the execution of all transactions will be carried out directly from the electronic storage to the card, bypassing intermediaries. If the user wishes to withdraw money using ATMs, then the commission from the transaction will be charged by the bank that owns the device.
Maximum transaction protection. For this, there are functions for confirming transfers when using a cell phone.

Virtual instrument WebMoney

WebMoney service is recognized as the leader in the domestic market for electronic transactions. It offers clients the following types of the best virtual cards:

Visa Virtual and MasterCard Virtual. They are designed to make payments on the global web. The cards have no material embodiment, therefore information about them is transmitted to the client by sending an e-mail or SMS message to the cellular unit. Thanks to the creation of such tools, the protection of user funds when making online purchases has significantly increased.
Other virtual cards. For example, MasterCard and China UnionPay issue PaySpark (EUR or USD), Visa - MyChoise (EUR or USD), and MasterCard - Payoneer USD.
You can create a virtual plastic card after going through a simple procedure for placing an order. This requires:

Go to the application section.
Designate the card to be issued.
Fill out a questionnaire indicating confidential data about the client.
The question about the benefits of using WebMoney cards can be answered positively. At the same time, the instrument is multicurrency and allows you to accumulate funds in such foreign currencies as dollars or euros. It is noteworthy that such cards can be used to pay in every country in the world.

Qiwi virtual card

A virtual plastic card from the popular Qiwi resource is Qiwi Visa Plastic. To place an order, you will need to go through the identity verification procedure. The client needs to send a scanned copy of the passport, after which the system will check for the accuracy of the available data.

After linking the instrument to the electronic storage, the user will be able to pay with virtual currency without access to the web. Lets take a look at the advantages of the Qiwi card:

Its maintenance is free of charge throughout the entire period.
Maximum protection of money when shopping.
Payment in all institutions that support the Visa payment system.
Withdrawing money from ATMs around the world.