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Everything you
need to know about
Virtual Cards

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How does a Virtual Card work?

A virtual prepaid Mastercard® or Visa® is a reloadable, online e-money card consisting of a standard card number, expiry date, and CVV number—just like a traditional debit, credit, or prepaid card, but without the need for physical plastic.

Once created and funded, cardholders can instantly access their card details by selecting ‘Display Card Image’ from their dashboard. They’ll receive an email with instructions on retrieving their details, enabling immediate use without waiting for a card to arrive in the post.

Virtual cards can be used to make purchases online or over the phone at millions of businesses and retailers worldwide, providing fast, secure, and convenient access to funds.

Can Virtual Cards be added in my digital wallet?

Yes! You can add your card in your Google Pay and Apple Pay wallets!

Are Virtual Cards safe?

Yes. Just like a physical card, you must keep your virtual card details safe and secret. However, with a few clicks, cardholders can suspend their account. If you think your virtual card details may have been accessed by someone else, please follow the instructions below to secure your account from being further accessed.

Login to the B4B Cardholder platform from the app and follow the steps below:

  • Select “Report Card Lost or stolen”
  • Click the “Suspend” trigger. Note this will not
    cancel your card and can be reversed.
  • Alternatively, select either Lost or Stolen to cancel your card and a new virtual card will be issued to you.

From the web browser portal:

  • Click “Control card access”
  • Click the “Suspend” trigger. Note this will not cancel your card and can be reversed.
  • If you would like to report the card as Lost or Stolen either download the App or send our customer service team a secure message for
    your cardholder portal by clicking the ‘Contact
    us button’.
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© 2006 – 2025 Payment Card Solutions (UK) Limited trading as B4B Payments is a financial technology company authorised by the Financial Conduct Authority to conduct electronic money service activities under the Electronic Money Regulations 2011 (Ref: 930619). UAB B4B Payments Europe is authorised by the Bank of Lithuania as an Electronic Money Institution (Licence No: 76) under the Law on Electronic Money and Electronic Money Institutions 2011.

In Europe, Cards are issued by B4B Payments pursuant to license by Mastercard International Inc. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

All communications should be sent to: Europe – PO Box 76256, London, SW1P 9NU. USA – B4B Payments, 40 Washington Street Suite 150 Wellesley, MA. 02481.

B4B wants to ensure our customers know that their security is of the utmost importance. As such, we will never ask you to tell us your passwords, card PINs or One-Time Passcodes (OTPs).

At B4B Payments, we have taken all necessary steps to secure customer data and protect their privacy. Our systems have been designed with numerous layers of encryption and stringent firewalls. We use a combination of biometrics, two-factor authentication and other methods when customers access our services online or via our app.