Virtual Credit Cards have been around for a long time. While they have been around, however, there has not really been any innovation in this space. That is until now. 

Virtual credit cards are used for online shopping, especially when a business or an individual prefers a higher level of privacy, safety, and convenience. Virtual means there is no physical credit card; instead, it is managed by the provider as an application in your web browser. In other words, you won’t have to worry about carrying around your credit card while you shop online because your virtual credit card can be delivered digitally via text or email.

The following are the top 10 online virtual credit cards of 2023, which will help you to manage your finances better and make sure that you are using your money wisely:


Open Pay Card

Openpaycard ( is a virtual credit card provider that offers prepaid cards, Visa cards, MasterCard cards, and other types of payment methods to its users. The company was founded in 2009 and is based in the United States of America with offices all over the world including Canada and Brazil. This provider is one of the most popular ones on our list because it offers good features at reasonable prices making it cost-efficient for anyone looking for a virtual credit card service provider online today!

Join Openpaycard & Instantly Create Virtual Credit Cards



PayPal is a payment platform that allows you to make online payments. It is a secure, easy and convenient way to make payments online. Being one of the leading global payment platforms, PayPal has more than 200 million users worldwide. It offers secure transactions by maintaining an exclusive security system that protects both buyer and seller from any fraud or scams during transactions.

PayPal is an extremely user-friendly service that makes it easier for its users to share their financial information with other people through different platforms like eBay, Facebook Messenger, etc. In order to accept payments via PayPal on your website, you need to have a verified account with them first then integrate it into your website using the API provided by them.



PRIZMPAY is a virtual credit card provider that offers a variety of payment options for users. The company has an easy application process and great customer service, making it a top choice for anyone who needs to make purchases without carrying cash or cards.

It’s easy to sign up for an account with PRIZMPAY, and there are no fees associated with using their virtual credit card. The company also has a variety of payment methods including PayPal, Amazon Pay, and Apple Pay.



TenX is a digital financial platform that provides its users with a virtual credit card that can be used to make online purchases. The card can be used in 200 countries and over 40 million merchants worldwide.

TenX is one of the more established players in this field, having been around for about five years now. The company operates as a payment service provider and you can use it to pay for things like flights, hotels, restaurants, and even Uber rides!

The company has a strong team of developers, as well as a solid business model. TenX is also one of the few ICOs on this list that already has working products and services! TenX’s token – PAY – is used to make transactions on the platform. You can use your TenX card to pay for things anywhere that accept credit cards, or you can transfer funds directly into your bank account.


WIREX is a UK-based company that provides the best virtual credit cards for online merchants. WIREX has been in business since 2008 and it has earned a reputation from its users as well as from financial institutions because of its easy-to-use and affordable services. WIREX is a leader in the market with over 30,000 businesses using their service for cross-border transactions.

WIREX offers products like Debit Cards, International Debit Cards, Prepaid Cards (Virtual Credit cards), Physical Credit Cards, etc. All these products are available at very reasonable prices compared to other providers in this space. They have excellent customer service which is available 24/7 via phone call or email support system if needed by any user who wants help with any issue related to their services provided by Wirex such as activation/cancellation of services etc



AXES is an online virtual credit card that is accepted in more than 10 million stores worldwide. It’s available for free and can be used to make purchases online, in-store, and over the phone. You can get up to $10 back on your first purchase with AXES.

In addition to being reimbursed for your first purchase with AXES, you’ll also receive a Discover card after two years of using the virtual credit card. This means that if you’re looking for an alternative payment method or just want to build up some credit history without applying for a traditional loan or line of credit—the AXES Virtual Credit Card could be right for you!

AXES is a great way for young people and students to build up their credit history. The virtual credit card offers all the features of a traditional Discover card with no annual fee and no cash advance fees. It even comes with free online account management tools, 24/7 customer service, and fraud protection.

7. ADV


ADV offers a virtual credit card that can be used online and offline. It is free to apply and get approved for an ADV virtual credit card. You can use it at any online store that accepts credit cards, as well as any ATM. The annual fee is $0.



ENTORAENTERPRISES is a virtual credit card provider that offers multiple payment options, including PayPal and Amazon payments. It’s available to US residents only, but if you want a virtual card for online shopping, this is one of the best choices.

The company offers two types of virtual credit cards: the classic one and a prepaid card. The classic version is similar to any other credit card, except that you can’t use it in stores. It works online only and comes with all the standard features, such as chip-and-PIN technology, zero liability protection, and real account numbers. As for the prepaid version, it can be used anywhere Visa is accepted but has no spending limit or interest rate.



E-coin is a cryptocurrency company that offers e-currency and prepaid cards. To use the physical card, you have to load it with dollars or euros, and then you can spend it anywhere Mastercard is accepted. If you want more control over how much money you spend on your card (and where), E-coin also offers a virtual card that can be used online.

To get a virtual card from E-coin, all you need to do is sign up for an account and add funds from your bank account or any other supported payment method (like PayPal). Once this is done, simply select “Virtual Card” from their website’s drop-down menu when checking out at any online shop that accepts Mastercard!



Payoneer is a global payment service provider that specializes in cross-border payments and banking solutions. They have been around since 2001 and operate in over 200 countries worldwide. Their headquarters are located in New York City, USA. In 2011, they became a subsidiary of VISA Inc., with MasterCard as an investor and shareholder of Payoneer Inc., making it one of the largest online payment services on Earth. They provide their users with virtual credit cards that can be used to make online purchases from any country around the world (wherever MasterCard or VISA are accepted).


Choosing to use a virtual credit card can be a great option for those who don’t have one and are looking for the convenience of using one online or in person without all the hassle. Virtual cards are also great for people who want to keep their spending separate from their personal credit cards, or who don’t have time to fill out all of those forms before going on vacation. The top ten online virtual credit card providers listed above have been carefully researched based on factors such as security, customer service ratings, and reviews, ease of use/payment options offered by each company.

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