Many payment systems allow you to create virtual cards, Qiwi is no exception. The use of this type of payment has gained popularity among users due to the frequent cases of loss of ordinary plastic and theft of funds by Internet scammers.
Therefore, it is worth exploring all the advantages, disadvantages and nuances of using the solution from the international group of companies "Kiwi".
Advantages of the virtual card of the Qiwi payment system
The offer of a virtual fund from one of the players in the market of electronic payment systems allows:
- take advantage of a free online payment solution;
- pay for goods in domestic and foreign online stores;
- repay existing loans in Russian banks;
- send money to friends or relatives both to wallets of the payment system and to real bank cards;
- pay for communication services, Internet providers, cable TV and utility bills;
- the use of virtual details eliminates the need to use a card issued on a physical medium;
- Kiwi wallet owners are offered many different deposit options;
- developers offer application options designed for use on a mobile device, as well as a desktop PC or laptop.
Step by step instructions for creating a virtual card
The balance of the card is connected with the state of the personal account of the payment system. Therefore, the company offers to create a virtual Qiwi card after pre-registration in the service.
- At the first stage, you need to go to the official website of QIWI. In the top menu, find the "Create Wallet" button.
- At the second stage, the service will prompt you to enter the desired mobile phone number. It is worth noting that the system works on the territory of several states. The service is available to citizens of Russia, Belarus, Kazakhstan, India, Great Britain and some other countries.
- After confirming the correctness of the number, the payment system will send a password to the mobile phone, which must be entered in the appropriate field.
- If the password did not come, you can try to create a virtual Qiwi card and wallet again.
- At the last step, a message about the successful completion of registration is displayed and redirection to the personaloffice.
- In one of the following SMS messages, the service will send the details of a virtual bank card.
Full details and terms of service can be viewed by selecting "My cards" in the menu of bank cards.
You can also create a Qiwi wallet and a virtual card through the terminal or mobile application.
Conditions for creating and using a wallet
Since the account is linked to a mobile phone number, the main requirement is that the cell phone's SIM card must be active and be issued to the person who creates the wallet in the payment system.
The capabilities of a bank card and a personal account depend on the status of the identifier, which sets limits on the maximum size of a transfer, withdrawal, etc.
The initial level - "minimum" - is assigned to beginners after the creation and authorization procedure. In this case, the following restrictions are set:
- the maximum amount available for storage in the account is 15,000 rubles;
- Monthly transactions are allowed for an amount not exceeding 40,000 rubles;
- limit for each transaction - 15,000 rubles;
- you can withdraw no more than 5,000 rubles from your account daily, within a month - 20,000 rubles;
- money can be spent on replenishing the balance of mobile phones, the personal account of the Internet provider, paying fines, etc.;
- transfers to other personal accounts, bank cards, payments in foreignonline stores.
“Main” status requires registering personal data in the system, which increases the limits and the list of available operations:
- you can keep amounts up to 60,000 rubles on your balance;
- maximum monthly transaction limit raised to 200,000 rubles;
- one-time transaction limit set at 60,000 rubles;
- you can withdraw 40,000 rubles monthly from your account, the daily limit is the same;
- payment for goods in foreign foreign stores and transfers to bank cards or other payment systems become available to the owner.
Assignment of "Professional" status requires the provision of documents with proof of identity. The list of companies providing the identification service is given on the official website of the payment system.
The owners of this type of wallet have the most complete rights:
- you can store up to 600,000 rubles on your account;
- you can withdraw 100,000 per day or 200,000 per month from the card;
- limits on the amount of payments and transfers are cancelled;
- one transaction limit raised to 500,000 rubles.
In addition, you need to remember about the commission for SMS-informing. When paying for goods in foreign online stores, 2.5% of the payment amount or at least 30 rubles will be deducted from the balance.
Safety rules
For the safety of funds on the wallet of the payment system, remember the following rules:
- If you decide to createvirtual card "Visa Qiwi Valet", it is safer to use a smartphone or terminal.
- If you lose your SIM card, you should immediately contact the operator and block the number. Transactions are confirmed by passwords from incoming SMS, so immediate blocking of communication services will restrict access to debit transactions.
- In case of fraudulent activities, immediately contact the police and contact the technical support of the payment system.
- If you plan to visit another country, please inform the service about it in order to avoid blocking your card or personal account.
- Try to remember all the details of the virtual card, do not write down information on paper.
- Update your anti-virus programs regularly before making payments.
Disadvantages of a virtual card
Creating a virtual Qiwi card has 2 major drawbacks. It cannot be used to withdraw cash from ATMs. Restrictions also exist when trying to make a payment in a store with a terminal. Such a transaction will be canceled by the servicing bank.
Life hack: how to avoid card and account blocking
In recent years, Russian banks have tightened control over all customer transactions. This is due to changes in the Federal Law-115 and the requirements of the Central Bank. This law is aimed at combating the cashing out of money, and not only legal entities, but also ordinary citizens are under close supervision.
Because the payment system belongs to the Groupof QIWI companies, which includes QIWI Bank (JSC), all transactions are necessarily checked by the financial monitoring service. In this regard, recently, quite often you can hear about cases of blocking personal accounts and cards of service users.
To reduce the chances of losing money, which is what often happens with customer funds, try to follow these tips:
- do not keep large amounts on your balance;
- make payments in installments, splitting amounts over several days;
- when money arrives, do not use it or withdraw it for a few days;
- go through the full identification procedure;
- make a transaction only if you can confirm its expediency and have supporting documents;
- if the account was blocked, it will not be possible to create a virtual Qiwi card again;
- if you intend to make a large transfer or waiting for the money to arrive - notify technical support about this;
- Get multiple cards from different banks – the “don’t put all your eggs in one basket” rule is now more of a savings tactic than a source of income.
The article describes how to create a virtual Visa card in Qiwi, and what risks may accompany further use. Your task is to analyze the information and make a decision.
