Before paying for your purchases with a QIWI virtual card, study the terms of its issue and use. All of them are in the set of rules of the payment system. The available statuses of QIWI wallets are listed below: minimal, essential, and professional. Each of them has its capabilities and limitations.
Suppose the “Minimum” status is enough to register your account in the QIWI system (you only need a name and phone number). In that case, the “Main” rate requires identification in the appropriate section (you need to specify your full name, passport details, and TIN or SNILS). To obtain the “Professional” status, you must complete personal identification (at QIWI offices or with their partners).
The virtual QIWI card is automatically synchronized with the balance on your QIWI wallet. Replenishing your virtual QIWI card or paying for your order in the store will operate with funds in your wallet.
To get a virtual QIWI card, you need:
– Create an account in the QIWI payment system, and then sеlect the item in the “Bank cards” tab:
– Release for free (available to users with “Basic” or “Professional” accounts;
– Release for 199 rubles.
To pay for the goods you have chosen through a QIWI virtual card, please note that the card:
– refers to the Visa payment system;
– not registered (only card number, service life, and CVV code are available);
– tied to a QIWI wallet;
– valid for one year, the reissue is possible no more than two times a month;
– serviced free of charge;
– replenished free of charge for 2000 rubles from the card of any bank;
– can be used to pay in rubles in stores in the Russian Federation without a commission;
– when paying in rubles in stores abroad, it provides for a commission of 2.5%, but not less than 30 rubles;
– when cashing out, it provides a commission of 2% + 50 rubles.
Internet payment
The rules for using the QIWI virtual card when paying for your online purchases are the same as for any bank card when placing an order online. Briefly, the scheme is as follows.
– After selecting a product/service, go to the shopping cart to place an order or follow the tab/link to the payment page. Enter the card number, expiration date, and CVV in the appropriate fields;
– If you need to enter the name of the cardholder in the above fields, enter your name in Latin letters (since the QIWI virtual card is not named, the bank will not provide the name in the details;
– Next, confirm the transfer of funds using the code received from SMS (it will be sent to the phone number attached to the card);
– There are exceptions, one of which is paid for services of the Steam platform. In our case, it is not burdensome – since January 2021, Steam can be paid through a QIWI virtual card, but not directly through a QIWI wallet. This is due to restrictions imposed by the Steam platform itself.
Payment in stores
You can also pay with a QIWI virtual card in retail stores equipped with terminals with Visa PayWave technology. You can recognize it by the presence of a logo on the device for accepting card payments.
You will need:
– Smartphone with built-in NFC chip;
– Application pre-installed on the device (if it is not available, you need to download and install it) for the ApplePay, GooglePay, and SamsungPay contactless payment function (depending on the operating system);
– Next, you need to enter the details of your virtual QIWI card in the application;
– Make sure the NFC chip is enabled.
Replenishment of QIWI card
When paying for your purchases with a QIWI virtual card, you will sooner or later face the need to replenish its balance. You can do this either by filling your QIWI wallet or directly by using the virtual card number. Transferring money directly will help secure the details of the main QIWI wallet. If the card data falls into the hands of scammers, it can be quickly blocked, while the funds in the wallet will remain inviolable.
Such caution may be necessary when shopping in unfamiliar stores and online services.
One of the ways to replenish a virtual QIWI card for payment in stores is to use online exchangers. On them, you can sell the currency of other countries or cryptocurrency at a favorable rate and then withdraw money to your QIWI account. Before using this service, make sure the company is reliable. Rates of various exchangers and reviews about them are available on aggregators’ websites – for example, BestChange.
You can find examples of responsibly approaching reliable organizations, including Mine.com (since 2019 mine. exchange).
Summary
With a QIWI virtual card, you can pay for goods and services offline and on the Internet. It is beneficial for QIWI wallet holders for transactions that do not allow the use of electronic money, such as Steam payments. The article reviewed all the main options for paying with a QIWI virtual card.
Internet payment. Using a virtual QIWI card does not differ from conventional bank cards. When paying, we provide card details (number, expiration date, CVV code) and confirm the transfer operation using a one-time code from an SMS message.
Payment in retail stores. You will need a smartphone with an NFC chip. We enter a virtual card into the contactless payment application (you will be asked to enter the card’s number, service life, and CVV code). Then we can pay in the store with a virtual QIWI card using our smartphone.
