Business Checking How you and your team can use virtual debit cards.
Virtual debit cards can be a convenient and secure
way for you and your team to start spending
immediately, while you wait for your physical cards to arrive in the mail.
What is a virtual debit card?
A virtual debit card is a digital version of your Bluevine Business Debit Mastercard® that you can start using immediately. A virtual card has its own card number and can be used alongside your physical card. Both are connected to the same checking account. You’ll see your physical and virtual card transactions in the checking tab of your Bluevine dashboard.
When you use your virtual card, your vendor will charge it just like a physical card. However, they won’t be able to see your primary physical card information, which helps protect your account from theft and fraud. You also eliminate the risk of losing your physical card.
You can use your virtual card online as well as in person when you add it to your mobile wallet—Apple Pay, Google Pay, or Samsung Pay.BVSUP-00060 This will allow you to make purchases at tap-to-pay terminals with your phone.
Benefits of a virtual debit card
Advantages of using your virtual debit card include:
Use it immediately
As soon as you’re approved for a Bluevine debit card, you can use your virtual card to start earning up to 4% cash back on your purchases right away.BVSUP-00067 Your virtual card number can be found in your Bluevine dashboard, in the Debit Card tab. You can also continue using the virtual card even after you receive and activate your physical debit card.
Separate your expenses
Keep your expenses organized by using your virtual card for online purchases, subscriptions, and trials—and use your physical card for all other transactions.
Added fraud protection
Simply put, your virtual card won’t get stolen if you lose your wallet. You’re less likely to fall victim to theft because virtual cards allow you to make purchases without the need to carry a physical debit card.
Easy re-issuing
If your virtual card does somehow become compromised, you can easily report the card as stolen in your Bluevine dashboard. You’ll immediately be issued a new virtual card number without having to wait for shipping, and you can start using it right away.
How to access your virtual debit card
Easily access your virtual Bluevine Business Debit Mastercard® directly from your Bluevine dashboard.
- Simply head to Settings and go to your Debit Card tab.
- Click the dropdown and select “View card details” to see your virtual card information.
How to issue virtual cards to your team
For no additional fee, you can securely issue additional virtual debit cards to your team, which gives your business added flexibility in how you spend.
- Navigate to the ‘Debit Card’ tab in ‘Settings”
- Select ‘Issue a Card’
- Choose to issue a virtual card
- Select the account you want to issue the card from and
choose a user - Set individual spend limits and decide who needs ATM
access - Click ‘Issue Card’
How to add a virtual debit card to your mobile wallet
To make sure you’re getting the most out of your virtual debit card, it’s a good idea to add your virtual card info to your mobile wallet so you can use it for in-store purchases. Bluevine debit cards are supported in Apple Pay, Google Pay, and Samsung Pay.
- Open your preferred mobile wallet app
- Add a payment method
- Select credit/debit card
- Enter your virtual card details
Virtual debit card FAQs
Yes. Although your virtual card can be found in your online account and used for online purchases, you still need to add it to your mobile wallet to use it through Apple, Google, or Samsung mobile wallet. In addition, though your virtual card and physical debit card are connected to the same account, they are two different cards that can separately be added to your mobile wallet.
Yes, your virtual debit card number and CVV are different from your physical card and do not put your physical debit card’s number at risk of theft.
Yes, your virtual debit card will have a specific expiration date.
Administrators may issue up to 8 additional physical or virtual debit cards per account. The total account limit is 9 debit cards, which includes any closed or deactivated cards. Card holders are limited to 1 active physical debit card each, but may hold multiple virtual debit cards within the overall account limit.
Yes, both your physical and virtual debit card transactions will show up in your Bluevine dashboard under your main account as a shared balance.
Virtual debit cards actually come with added security benefits. Both your virtual and physical debit card offer fraud protection, but your virtual card makes you less prone to theft since there’s no physical card for fraudsters to steal.
Yes, your virtual debit card is accepted at most of the same places you can use your physical card. Virtual cards are mostly designed for online and electronic transactions, but if you’d like to use your virtual card in-store, you can add it to your mobile wallet and use it at tap-to-pay terminals.
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