The virtual card can be loaded into digital wallets like Apple Pay or Google Pay, allowing you to use your phone to pay at in-person businesses that accept these payment methods. You can also set spending limits and custom time frames for how long the card can remain active through the portal. Originally designed for businesses to offer corporate card access for employees, American Express Go allows you to generate a virtual credit card for any American Express account. While Click To Pay doesn't offer much control and isn't available at all retailers, several big-box stores and other noteworthy sellers have adopted it as an option.Īmerican Express offers a virtual credit card service to its cardholders through a service called American Express Go. Click To Pay will take care of the rest by generating a temporary card to complete the transaction. If you're purchasing online, you should be able to select the Click To Pay option and simply log in to your account. Once your card is made eligible for the virtual card feature, you'll be able to use it at any online retailer that offers the Click To Pay option at checkout. To enroll in Click To Pay, you have to go through your card issuer and sign up for the service. That means it serves as a replacement for individual virtual card services including Visa Checkout, Mastercard's Masterpass and American Express' Express Checkout. It's a virtual card solution that supports cards issued by many different credit companies, including all the partner companies backing the project. But apps and browser extensions like Click To Pay, Masterpass by MasterCard, American Express Go and Capital One Eno all provide virtual card options for more secure purchases on many popular credit cards.Ĭlick To Pay is a joint venture launched by Visa, Mastercard, American Express and Discover designed to serve as a unifying service to provide more secure online transactions. Most card issuers don't directly offer the ability to generate virtual account numbers, or virtual credit cards, right from your account. This protects your account from exposure in the case of a data breach and adds an additional layer of security to your online transactions. When you use a virtual card to make a purchase, the payment recipient can only access and store the information of that temporary card, not your actual credit card account number. These are temporary, disposable digital credit cards designed for online or over-the-phone purchases. Though you can always freeze your credit after the fact, there's something you can do now to help prevent identity theft.Įnter virtual credit cards. Replacing a compromised credit card can be difficult and stressful, especially when you know your entire credit may be at risk.
Have you ever had your credit card information stolen? EMV chips may help protect you during in-person transactions, but they can't keep you safe during online or phone purchases.
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