Creating and Using Virtual Credit and Debit Cards: A Step-by-Step Guide

Google’s virtual card feature is a more secure method to make payments, both in-app and online. When you utilize this feature, a distinct virtual card number replaces your physical card number. In this manner, when making a purchase, your actual payment details stay undisclosed, safeguarding against fraud and identity theft. Continue reading to understand how to create and use virtual cards on your preferred Chromebook or PC and phone.

How does Google’s virtual card work?

The virtual card feature provides you with a new card number that supersedes your physical card number during online purchases. By using this feature, the virtual card number, CVC, and expiration date may differ from the actual details on your physical card. For additional security, your virtual card number or CVC might change for different transactions and merchants.

How to create a virtual card on your Android phone

While Google’s virtual card feature is helpful, not everyone has access to it due to certain limitations. Firstly, the feature is exclusively available in the US. Additionally, your physical card needs to support the feature.

Here’s a guide on turning on and using a virtual card through the Chrome app:

  1. Navigate to the Chrome app on your phone or tablet.
  2. Select the three-dot menu icon in the upper-right corner of the page.
  3. Choose Settings from the drop-down menu.
  4. Tap Payment methods.
  5. Turn on Save and fill payment methods.
  6. Tap the card for which you’d like to create a virtual card.
  7. Select Virtual card and then tap Add.
  8. Read the terms of service and select Yes to proceed.

How to create a virtual card on your Chromebook or PC

Here’s a tutorial on enabling the virtual card feature in Google Chrome:

  1. Open the Chrome browser.
  2. Go to chrome://settings/payments.
  3. Turn on Save and fill payment methods and Allow sites to check if you have payment methods saved.
  4. Find the card for which you want to create a virtual card and click More.
  5. Select Turn on virtual card.
  6. Read the terms of service and click Yes to proceed.

You can also create a virtual card through the Google Pay website following these steps:

  1. Go to the Google Pay website at on your Chrome web browser.
  2. Navigate to the Payment methods tab at the top of the screen.
  3. Find the card for which you want to create a virtual number. If the card is not available, add it.
  4. Select Turn on virtual card. This option is only available if the card supports the feature.
  5. Click Turn on.
  6. Click Got it.

Check the details of a virtual card

After generating a virtual card, you can use it for multiple transactions as long as your original physical card is valid. If you need to verify the virtual card details for any reason, follow these steps:

  1. Visit
  2. Go to the Payment methods tab. On Android, tap the three-dot menu icon and tap Payment methods. You’ll see a list of your added cards.
  3. Locate the card you want to view.
  4. Select Manage virtual card.
  5. Choose View and manage virtual cards. You’re taken to the issuer’s website, where you can manage the virtual card.

Using a virtual card with Google Pay


How to add your ID to Google Wallet

Don’t worry, we’re sure the bar will accept it

After creating your virtual card, follow these steps to use it for different types of transactions.

Online purchases

You can make payments quickly, securely, and efficiently when shopping online with the Google Pay virtual card. The checkout page of a supported website brings up the option to autofill your virtual card for payment. If it doesn’t appear, follow the steps in the previous section to check the card information and input it manually.

In-app purchase

Many applications, including the Google Play Store, offer in-app purchases or subscription services. When buying on such platforms, the Google Pay option comes up. Use your virtual card to complete the process.

Google doesn’t charge fees for utilizing its virtual card. Your bank or payment network — Mastercard, Visa, or American Express — may deduct regular transaction charges.

If you haven’t created a virtual card, checking out on a supported platform with your regular card may allow you to turn on the virtual card feature before you complete your purchase.

How to turn off a virtual card

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