Virtual Cards

A virtual card is a digital payment card that can be used for online purchases and other supported transactions without requiring a physical card.

Depending on your account and regional availability, you may be be able to create one or more virtual cards directly from your Nova account.

What Is a Virtual Card?

A virtual card functions like a traditional payment card but exists only in digital form.

Each virtual card includes its own:

Card number
Expiration date
Security code (CVV)

These details can be used for online payments wherever the card network is accepted.

Benefits of Virtual Cards

Virtual cards provide a convenient and secure way to make digital payments.

Depending on the services available to your account, you may be use them to:

Shop online
Pay for subscriptions
Make purchases within mobile applications
Separate spending for different purposes

Because there is no physical card, virtual cards can often be issued more quickly than physical cards.

Creating a Virtual Card

If virtual cards are available for your account:

Navigate to the Cards section.
Select Create Virtual Card.
Review any applicable terms or fees.
Confirm the request.

Once issued, your card details become available within your account.

Using Your Virtual Card

You can use your virtual card anywhere the supported payment network accepts online card payments.

When making a purchase, provide the card details exactly as displayed within your account.

Always ensure you are purchasing from trusted merchants.

Managing Your Virtual Card

Depending on your account, you may be able to:

View card details
Freeze or unfreeze the card
Replace the card
Review transactions
Rename the card
Close a card you no longer need

Available management features vary by account.

Security

Treat your virtual card details the same way you would a physical payment card.

To help protect your account:

Never share your card details unnecessarily.
Only make purchases on trusted websites.
Review your transactions regularly.
Freeze the card immediately if you suspect unauthorized use.

For additional guidance, see Card Security.

Frequently Asked Questions

Can I have more than one virtual card?

Some accounts support multiple virtual cards. Availability depends on your account type and the services enabled for you.

Can I use a virtual card in physical stores?

Some merchants may accept virtual cards through compatible digital wallets or payment methods. Availability depends on your device, the merchant, and the supported payment network.

Does a virtual card expire?

Yes. Like physical payment cards, virtual cards include an expiration date.

Can I delete a virtual card?

Depending on your account, you may be able to close a virtual card that is no longer required.

Virtual cards provide a fast and secure way to make online payments directly from your Nova account. They offer the convenience of a traditional payment card while giving you the flexibility to manage your card entirely through the Nova platform.