bank of america virtual credit card number

BANK OF AMERICA VIRTUAL CREDIT CARD NUMBER UPDATE

If you use a virtual card to book a hotel room, it may be hard to reconcile your payment method when you check in. If you’re shopping in store, you won’t be able to use your virtual card unless the point-of-sale system accepts digital wallet checkout options.

Pros and cons of virtual credit cardsĬan’t always use them at a store. These temporary cards typically last for a short period of time - usually just 24 hours, though some providers may maintain a temporary card for up to one year. It’s the card number that a merchant sees when you complete a transaction with them. What is a temporary card?Ī temporary card is what’s generated each time you create a new virtual card or change the virtual card number that you are using to make a purchase. That said, virtual cards can only be used for online purchases, some over-the-phone transactions, and (if you add your virtual card to Apple Pay or Google Pay) at qualifying physical stores that accept those Apple or Google payment platforms. You can create new card numbers for different stores, change your card number on the fly, set spending limits and even lock or delete a card number without having it affect your actual account. Virtual cards provide much more flexibility. They’re generally - but not always - intended for one-time use, so even if a company you’ve done business with falls victim to a data breach and your card number is retrieved, your actual account won’t be compromised. Virtual cards can generate a unique card number for each transaction you make, protecting your real account number. What’s different about a virtual card, though, is that it doesn’t have the same security limitations as a physical card. You’ve likely been asked to read your card number over the phone or enter it when shopping online, so you already have an idea of how this works. I guess only a small client share used the service and they found it cumbersome to maintain.The easiest way to think of a virtual credit card may be to simply imagine your credit card without its physical form, reduced to a 16-digit primary account number. I find the move surprising with the increased customer awareness of security issues.

BANK OF AMERICA VIRTUAL CREDIT CARD NUMBER UPDATE

If you have ShopSafe card numbers saved with online merchants or linked to recurring bill payments, please update with your current credit or debit card information prior to September 20. Bank of America supports a number of digital wallets that enable you to securely shop online without having to share your credit card account number with merchants.

We believe the wide range of security alerts and best-in-class fraud tools we use today, combined with the availability of digital wallets, provide our customers with an enhanced level of protection and a better user experience.Ĭonsider using a digital wallet.

Technology has come a long way since we launched ShopSafe. After this date, you will no longer be able to use this service to create new ShopSafe virtual credit card numbers or make purchases online with saved ShopSafe virtual credit card numbers.

On September 20, we are discontinuing our online ShopSafe® service. We remain committed to providing the highest level of security when you transact online with your Bank of America® credit or debit card, and we’re always looking for ways to improve your digital banking experience. You may need to update credit card information stored with online merchants. As new technology has become available, we have made the decision to retire our online ShopSafe® service on September 20. We’re committed to providing you the most up-to-date security. Bank of America just sent out an email indicating that, effective September 20, 2019, they are ending the ‘ShopSafe’ program which offers the ability to generate virtual credit card numbers for online use.

Bank of america virtual credit card number