Get your hands on DoNotPay’s instant approval virtual credit card
It’s been a source of headaches ever since you started signing up for free trials online—you found this cool subscription-based service, eagerly entered your credit card info to apply for the free trial, and then you forgot about it all. A month later, when the free trial ended, you finally remembered. Your bank account was suddenly tens of dollars lighter.
Today, you can finally leave those unwanted subscription charges in the past where they belong. With a Free Trial Card—DoNotPay’s instant approval virtual credit card—you can sign up for free trials online without having to worry about an auto-renewed subscription charge after the free trial runs out. If you’re less worried about online subscription charges and fishy telemarketing robocalls are more of a concern, you can use DoNotPay’s card to fight and expose scammers, too. We’ll run you through the main functionalities and benefits of DoNotPay’s life-changing online virtual card.
What is an instant virtual credit card?
An instant virtual credit card is a virtual version of your physical debit or credit card that generates temporary credit card information when you’re shopping online. This type of card has the ability to create a random and disposable credit card number, expiration date, and control number that you can use for a one-off online purchase or sign-up, all in order to protect your privacy and keep your financial information safe. By concealing your credit card data from the merchant, you are minimizing the chances of having your actual credit card information stolen.
How does an instant virtual credit card work?
The principle of an instant virtual credit card is identical to its physical counterpart, which is a chip credit card. Just like the chip creates a single-use token that changes every time you use your card in a brick-and-mortar store, a virtual credit card generates unique, one-off information that changes with your every online transaction. Depending on the issuer of your card, you can also get a card that generates a pseudo-number that you can use multiple times.
To the seller, the information from a virtual credit card will look absolutely identical to that of a regular credit card. A virtual credit card is a risk-free way to buy online because it adds an extra layer of protection between you and the merchant. By not revealing your real credit card information, it is safeguarding your money from any fraudulent activities that happen in the sometimes murky waters of the World Wide Web.
How does DoNotPay’s instant virtual credit card work?
DoNotPay uses the same proposition as other virtual credit cards, with the added benefit of a temporary email address that you can use while signing up for online free trials. Our app can produce a random email address and forward all the important messages to you, while also disabling location tracking and making sure that your actual email doesn’t end up on any spammy marketing newsletter lists. Not only will you be protected from online scams that target your credit card information, but you’ll also be spared of the annoying marketing emails companies send to try to sell you stuff.
- Generates unique, pseudo credit card information
- Gets approved on “free trial” pages
- Doesn’t get approved on “subscription” pages
Drawbacks of using virtual credit cards
There are several instances in which you should think twice about using your virtual credit card, because they may cause complications later on. The cons of using a virtual credit card are the:
- Inability to receive a return or a refund
- Inability to verify your card information at a later stage
- Inability to withdraw cash
- Inability to use for recurring payments
Inability to receive a return or refund
Let’s say you purchased something using virtual credit card information, but you weren’t quite happy with it and applied for a refund. Even if your refund has been approved, you may come to an impasse if the merchant insists the refund gets placed on the same account number you used when you made the purchase—your random, one-off credit card number will have already expired.
Inability to verify your card information at a later stage
Frequently, when you use a credit card to make an online reservation for a rental car, airplane ticket, or hotel accommodation, you will be asked to show the same card during check-in for verification purposes or to pay with it. This will be impossible since you used a virtually generated random number to make the transaction.
Inability to withdraw cash
Generally speaking, virtual credit cards cannot be used to withdraw cash from ATM-s. In some cases, this will be a possibility, but one that comes with a high network fee attached.
Inability to use for recurring payments
If you like the convenience of setting up a direct debit for your recurring payments, you should continue using your conventional credit or debit card for that purpose. It’s best to use your instant approval virtual credit card for one-off or occasional purchases, especially if you haven’t purchased from that particular vendor before.
Why you should get a virtual credit card instantly
Everything has moved online. Why would credit cards be any different? Not only are they convenient, but virtual credit cards also significantly improve your online privacy and security. Think of it not as a substitute for your actual credit card, but as an essential, more secure supplement. As you will see below, a virtual credit card has unique features that your conventional credit card doesn’t offer.
A virtual credit card comes with a myriad of perks, including:
- Improved privacy
- Heightened protection against fraud
- Ability to sign up for free trials risk-free
- Ability to limit the daily/weekly/monthly number of transactions
- Ease of canceling
- Instant approval
If the merchant you’re dealing with doesn’t have a robust security system in place, you’re potentially exposing yourself to identity theft and data breaches. Scammers can get access to other sensitive information, such as your passwords, phone numbers, social security number, physical address, and the like. By not revealing your actual credit card information, a virtual credit card protects your identity.
Heightened protection against fraud
A virtual credit card safeguards your real personal account number (PAN) card details against any online theft, fraud, double-charges, or chargebacks. With over 270,000 reported cases of credit card fraud in 2019, it’s of vital importance you amp up your financial security level with a virtual credit card that offers instant access.
Ability to sign up for free trials risk-free
When a free trial you forgot to cancel runs out, you can be certain that the subscription will not auto-renew and result in an unwelcome subscription charge on your account.
Ability to limit the daily/weekly/monthly number of transactions
To prevent any charges, you can customize the number of transactions on a daily, weekly, or monthly basis, as well as cap the maximum amount you can spend per transaction.
Ease of canceling
If you no longer require your virtual credit card or it falls into the wrong hands, the act of cancelation will be easy and quick. What’s more, you don’t have to close any bank accounts associated with it (as opposed to a regular credit/debit card).
Pros and cons of instant approval virtual credit cards
Is a virtual credit card right for you, or should you stick to a conventional credit card only? Check this succinct overview of its advantages and drawbacks to find out.
|Protects you against fraud|
Can prevent you from obtaining a refund
Hides your personal information
|Cannot be used for verification purposes|
|Allows you to set transaction limits|
Doesn’t allow you to withdraw cash
Lets you cancel quickly and easily
Impractical for recurring payments
Most common uses for virtual credit cards
An instant approval virtual credit card can bring you benefits in a variety of different ways. You should use it for:
- Signing up for a free trial online
- Making a one-time online purchase
- Buying from vendors you haven’t purchased from before
Signing up for a free trial online
When you want to try out a certain service, it’s unnecessary to disclose your real financial details and risk unwanted charges later on. Some companies charge their users even after they’ve canceled the free trial, and then make it an absolute pain (if not downright impossible) to retrieve that money. With a virtual credit card number that’s limited to a single transaction or merchant, you’re making sure the free trial doesn’t roll over into a monthly subscription and result in an undesired fee.
Making a one-time online purchase
According to Statistic Brain, identity theft happens to 12 million Americans every year, with the average victim suffering a loss of about $5,000 per theft. While most online purchases are uneventful, every time you buy online, you expose yourself to the risk of having your personal and financial information stolen. If you’re buying a product or a service online that doesn’t require a recurring payment, it is much safer to do so with a virtual credit card.
Buying from vendors you haven’t purchased from before
Online shopping represents the pinnacle of convenience in today’s day and age—all sorts of services and products from around the world are now within our fingertips’ reach. Still, you can never be too careful when it comes to buying on the Internet, particularly if you’re dealing with a merchant you don’t entirely trust or have never purchased from earlier. Some webshops are fabricated purely as a front to steal money from unsuspecting buyers. Make sure that the website you’re buying from starts with “https:” (the “s” in the end standing for “security”), don’t give out more personal information than necessary (such as your Social Security Number), and use a virtual credit card to pay.
Online frauds and other criminal activities aside, the Internet is generally a wonderful place brimming with useful content and fun, high-quality online subscription-based services you can try out for free for a limited amount of time. Use DoNotPay’s virtual credit card to sign up for any (or all!) of these:
- ESPN Go
- Kindle Unlimited
- Amazon Prime
- Spotify Premium
- Sling TV
- YouTube Red
- PlayStation Vue
- Apple Music Premium
- CBS All Access
How does DoNotPay’s Free Trial Card compare to your actual credit card?
Your bank’s physical credit card has its own set of benefits and uses, but when it comes to safe online purchasing and signing up for free trials online, DoNotPay’s virtual credit card is an unbeatable choice. We’ve made a direct comparison of these two types of card:
Real credit card
|DoNotPay’s Free Trial Card|
Doesn’t allow charges
Shows your credit card info
|Hides and protects your personal information|
|Exposes you to potential theft or fraud if the website is hacked|
Safeguards you from potential theft or fraud if the website is hacked
Hundreds and thousands of dollars of unwanted charges
|Zero unwanted charges|
|Doesn’t include an email address|
Comes with a temporary email address
Where can you get a virtual instant credit card?
There are several providers that offer a virtual credit card. Which one is the right choice for you will depend on your individual preferences and needs.
We have created DoNotPay’s Free Trial Card because we realized how many people were losing money every month, simply because canceling that already-forgotten-about free trial slipped their mind. To sign up for it, access DoNotPay through your web browser or download the iOS app on your iPhone or other Apple device.
Capital One Eno
You can get a virtual credit card by Capital One through Eno, the bank’s virtual assistant. The virtual card can be accessed as a browser extension for Google Chrome, Mozilla Firefox, and Microsoft Edge. When you’re doing your online shopping, click on the extension button prior to paying. You’ll receive a unique credit card number to use in the instance. All settings of your virtual credit card can be managed on Capital One’s website.
Citibank virtual account numbers
Citibank offers a tool that allows you to create virtual account numbers and set expiration dates and spend limits for them. You also have the ability to view purchases made with virtual account numbers and the remaining balance on a particular account number. These virtual account numbers can exclusively be used for transactions done over the phone or online.
Mobile wallets vs. virtual credit cards
Much like the name suggests, a mobile wallet is a digital version of your wallet that’s stored on your smartphone.
The pros of owning a mobile wallet
With a mobile wallet, you no longer have to carry any cash or payment cards on you. When you need to pay for your items in a store, you can simply tap your smartphone, smartwatch, or tablet on the contactless checkout terminal and complete the transaction. Mobile wallets are also a safer method compared to the more conventional methods of payments. Thanks to key encryption, your mobile wallet will be inaccessible to everyone but you. Even if your smartphone gets stolen, the thief is unlikely to be able to access your device if it’s protected with a strong password, fingerprint check, or face recognition tool.
A mobile wallet also conveniently acts as a one-stop-shop for your other important documents and cards, such as your driver’s license, social security card, loyalty cards, plane and train tickets, and the like.
What’s the difference between a mobile wallet and a virtual credit card?
The two, while each useful in its own way, serve entirely different purposes. Think of your mobile wallet as your real debit/credit card information that’s stored on your phone, as opposed to taking the form of a plastic card—but is essentially doing the same job. A mobile wallet doesn’t hide and safeguard your actual financial detail in the same way a virtual credit card does.
On the other hand, a virtual credit card cannot be used in a physical store, only online. You can make Internet purchases with a virtual credit card and not reveal your actual credit card information, but instead, provide a temporary card number that will still be accepted by the vendor. This makes your online transactions infinitely safer.
How else can DoNotPay make your life better?
- Help you sue people and companies in small claims court
- Seek refund for delayed and canceled flights
- Appeal traffic tickets
- Deal with annoying robocalls
- Schedule an appointment with the DMV quickly
- Help you deal with credit card issues
- Cancel any subscription or membership
- Skip the phone queue when calling customer service reps
- Fight parking tickets
- Help with bills
- Dispute speeding tickets