How to Make Online Free Virtual Credit Card (VCC) [2024]


Free Virtual Credit Card: Who doesn’t love shopping, let alone shopping online? You just have to choose this then pay and arrive at the house.

Lately, we have been spoiled with easy online shopping, especially with various payment systems such as credit cards. Buy now, pay later.

However, not a few people have rejected their credit card applications for various reasons. But there is no need to worry because VCC can solve this problem.

How to Get and Make Online Free Virtual Credit Card

VCC or Virtual Credit Card, which in India is called a virtual credit card, is not new. Even so, not many people know about the presence of this VCC.

The following reviews will provide information regarding how to get, make, characteristics, benefits, and tips for choosing a VCC.

Ordinary Credit Card VS Virtual Credit Card

A Virtual Credit Card or VCC is a transaction tool similar to a credit card. This VCC publisher will provide a software program installed on the customer’s device.

This software is used to get temporary credit card numbers. Then this number will be associated with the original credit card number. What is the difference between a credit card and a VCC?

Credit card Virtual Credit Card
Physical form There is a physical form of a card that can be held and carried like an ATM card. There is no physical form, only has a card number, a three-digit CVV, and an expiration date.
Purpose of Use For shopping transactions of various kinds of merchants so that you get rewards, points, and bonuses. Online transactions globally and internationally.
Balance Basis Credit cards have no balance because the CC system is a debt that must be repaid in the months after the transaction. Before making a transaction, you must fill in a balance like filling an account.
Balance Limit CC or credit card customers will usually be offered with different limits according to their income. VCC does not have a balance limit because the system is the same as a debit card. Therefore, VCC is often referred to as online debit.
User People who have a permanent job (as evidenced by a salary slip) will find it easier to get credit card acc. This is to ensure that customers are able to pay debt repayments. There are no special requirements for VCC customers because the balance comes from their personal accounts.
Transaction Direct transactions. Special transactions via cyberspace.
Security Credit cards are less secure because they have information from customers and can be linked to customer accounts. Transactions with VCC are safer because customers do not need to provide personal information and credit card data.
Card Program Many programs such as promos and cashback. There is no promo or cashback program.

VCC (Free Virtual Credit Card) Services

In general, virtual credit cards can be used the same as debit cards in general. It’s just that the use of VCC is safer so you can avoid scamming crimes from other debit card crimes.

1. Online Shopping Payment Tools

For shopaholics who are fond of shopping on e-commerce on a global scale such as Amazon, eBay, and others, they will definitely not be far away with a credit card.

This VCC can also be used as an alternative online payment method by entering the customer’s card number.

2. Global Payment System

In addition to shopaholics, VCC can be used for freelancers. Its function is to create a global payment system for national and international transactions such as PayPal.

PayPal acts as a virtual bank that accepts fund transactions across countries and continents. The method is very easy by registering a VCC identity number.

3. Financial Controller

This free virtual credit card has a relatively short validity period. Some are 4 months, one year or two years.

If the expiration date has expired then you have to extend it again by submitting a VCC request. The absence of a limit scheme will lead to more controlled customer spending consumption.

4. Fund Transfer

A free virtual credit card makes it easy for you to send funds to various parts of the world to any account. You do this by filling in the desired limit so you can send the funds.

VCC (Virtual Credit Card) Characteristics

Seeing the services provided by this online credit card, there are several advantages and disadvantages for customers, such as:

  • There is a limit on funds per day depending on the funds deposited into the credit card account.
  • It is safer because it can only be used for one transaction and cannot be cloned because it is not physically shaped.
  • VCCs are published for primary users and do not have additional VCCs.
  • Some Indian VCCs can be used to pay monthly bills.
  • Only functions as an online transaction method. Sometimes it can only be for certain sites.
  • Must extend because it is only valid for a certain period.
  • Some agents or issuers impose a fee on subsequent transactions.
  • No monthly interest.

Where to Get Free VCC?

There are many free VCC service providers that you can find on the internet such as Entropay, Neteller, Yandex, Payoneer. Many of them can create an account and issue free VCC.

However, there are still costs incurred every time you make a transaction ranging from 1.9% to 4.5%. The number of fees collected also depends on the amount you are transferring.

The higher the number of funds you transfer from the VCC agent limit, the lower the cost discount will be issued.

There are also many websites that offer VCC. You can buy VCC with a price range between 60 thousand to 200 thousand. Of course, the price offered depends on the active period of the VCC you want.

Banking in India also provides virtual credit card services such as SBI, PNB, AXIS, HDFC etc. But the condition is that you have to open an account at the bank first.

Read Also:

How to Make a Free Free Virtual Credit Card [VCC]

Here’s how to make VCC for free:

1. Payoneer

Payoneer is one of the most popular free VCC providers in India. For every transaction, you will be charged a fee of approximately 3% of the total bill paid.

  1. Access the Payoneer website at
  2. For first-time registration select the Register menu.
  3. Then fill in your type of work, for example, a freelancer, affiliate marketer, or online seller.
  4. Then fill in the data regarding your need to have VCC then select the Register button again.
  5. Fill in the required data such as first and last name, email address, and date of birth. If you have click the Next button.
  6. In the next column, fill in the residential address, postal code, and telephone number and click Next.
  7. Next, fill in the security form by creating a password and a security question. Select a security question and fill in the answer.
  8. If it is filled, click the Next button.
  9. Then connect the account with a local bank where you will withdraw your funds later. By filling in the data for the type of account, country, currency, account name, account number, swift number & bank clearing code.
  10. After everything is finished, select the Send button.
  11. To activate VCC, please enter the email menu used to register.
  12. If there is an incoming message from Payoneer then open the link.
  13. Your Payoneer account is already active.

2. Entropay

VCC Entropay is a VCC provider site that has been registered in do 3d secure. If you already have a debit card with 3d secure services such as Mandiri or one that has a Visa logo, you can easily top up your Entropay balance.

  1. Go to the website
  2. Click the Sign Up Now menu, then fill in your personal data in the form of email address, username, password, date of birth, and country.
  3. Then select Get Your Card! and select the method to top up the VCC.
  4. Choose to use a credit card or bank transfer.
  5. But if you don’t want it to be filled, you can select the Cancel button and immediately be transferred to the location where your VCC account displays.
  6. If you choose credit or debit, you will be directed to the card data filling page.
  7. One of the cards that can be used is Mandiri, but it must be verified by Visa.
  8. Then fill in the name of the cardholder, card number, expiration date, and CVV number.
  9. Next, fill in the nominal funds to be topped up and select the currency to be used.
  10. Then continue by clicking Top-up Virtual Card.
  11. Make sure the cellphone number that is registered is active because you will be sent an authorization code.
  12. Then you will immediately be directed to the verification authority page for VISA.
  13. After getting the message, enter the authorization code into the text field provided.
  14. If successful, you will get an Entropay card number, valid and expired months and years, CVV number, and the total balance held.
  15. But if the process fails, you will be directed to a page to repeat the previous process.
  16. Use another card for the top-up process.
  17. For email verification purposes, just go to the settings menu and select the My Profile menu, click unverified.
  18. Enter the incoming message then enter the activation code into the activation code text field.
  19. Don’t forget to enter your Entropay password in the text field then click the Verify Email Address button.
  20. After the email verification process ends, click the Close button.
  21. To check the status, open the settings menu, select My Profile.
  22. The email status will be verified if the process is successful.


  • Supports currencies EUR, USD, and GBP.
  • Accepted globally in more than 120 countries.
  • The top-up fee is less than 1%.
  • Free card creation and online purchases.
  • Get unlimited virtual cards for more than 10 accounts.
  • Free from fraud.
  • There are feature set limits for complete control over the money held.

3. Neteller

Neteller provides free VCC on making VCC for the first time. While for the second production and so on, it will be charged 3 USD.

  1. Go to the site.
  2. Then select join for free and fill in the data in the Register column.
  3. Fill in the data in the form of first and last name, email address and password then select Register Now.
  4. Then fill in the data in the form of the name, complete address, city and country, postal code, telephone number, gender, new password for the account, and security questions.
  5. When finished, do the Confirmation.
  6. If the process is successful you will get an account id and secure id which will be used to log into your Neteller account.
  7. In the last process, you will get a confirmation email to the email address registered.
  8. Open the incoming message and confirm the email.


  • The payment process is easy even if your debit or credit card doesn’t work.
  • Can be used on thousands of international shopping sites.
  • Maximum of 5 active accounts at the same time.

4. Yandex

Yandex is a VCC service provider based in Russia. However, there are no restrictions for citizens other than Russia to use this service.

  1. Visit the website then select  Create a Wallet.
  2. Fill in the active cellphone number and click Continue.
  3. Then fill in the data with username, password, email notification by adding the word “@”. For example, the username is techmaina, then it becomes [email protected] and the last is an active cellphone number.
  4. Click the continue button and wait for an incoming message that contains a code.
  5. Check the column containing the words I want… then click the Start a Wallet button.
  6. After that, you will be directed to enter the Yandex dashboard.
  7. Click the Bank Cards menu and scroll down to the bottom and select Learn More.
  8. Click Get a Card and click again on the Get a new password button.
  9. Wait a few moments for the code to be sent to your cellphone number.
  10. Enter the code received in the Text message password field and select Proceed.
  11. The process ends and you can get a Yandex Money account.


  • Secure customer data.
  • Can be used for various types of online payments.
  • The transaction process is very easy.
  • Get a virtual wallet feature.

Tips for Choosing VCC

If you are interested in buying VCC, it’s a good idea to use the following tips so you don’t get fooled by fake agents:

1. Reputation

Search for VCC publishing agencies on internet forums. Don’t forget to check how long the agent has been operating. At least use an agent that has been operating for at least 3 years.

2. Features

See the features offered by comparing 2 or 3 publishing agents. Choose the most profitable features.

3. Contact CS

Try to contact the CS agent if it is easy to contact and always responds well and quickly, then consider buying VCC from that agent.

It can be concluded that this Free Virtual Credit Card can be a solution for those of you who cannot get a credit card. Indeed, this VCC has limitations so it cannot be used freely.

But this virtual payment method is suitable for those of you who don’t like being in debt. Moreover, you can keep personal information confidential so that it is not misused by h….s.

Hopefully, the article from TechMaina can be useful for all.

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Kohinoor Khatun
The Founder & Admin of TechMaina.Com, Who Likes To Write On Any Topic Related To Computer Query, Such As PC Hardware Problem, PC BIOS Problem and I have also best Knowledge in Android, SEO, and Much More.


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