In the age of digital payments, physical cards are becoming a thing of the past. With FNB’s virtual card, you can make secure, convenient payments without ever needing to carry a physical card. Whether you’re shopping online or paying in-store using contactless options, this guide will show you exactly how to pay with your FNB virtual card.
Let’s dive in!
What is the FNB Virtual Card?
The FNB virtual card is a digital version of a physical bank card that you can use for secure online and in-store transactions. Unlike a traditional card, the virtual card exists only on your phone, within the FNB Banking App, making it highly secure and convenient.
Some of the key features include:
- Contactless Payments: Easily pay by scanning your card via NFC at participating merchants.
- Safer Online Shopping: Generate a unique CVV number each time you shop online, reducing the risk of fraud.
- Instant Activation: Your virtual card is ready to use immediately after it’s created—no need to wait for delivery.
Now, let’s go step-by-step on how to create and use your FNB virtual card.
How to Create Your FNB Virtual Card
Before you can start making payments, you need to create your virtual card through the FNB Banking App. Here’s how:
1. Download the FNB App
If you haven’t already, download the FNB Banking App from the App Store (iOS) or Google Play Store (Android).
2. Log Into Your Account
Open the app and log in using your FNB username and password. If you’re a new user, you’ll need to register first by following the app’s setup process.
3. Navigate to ‘Cards’
Once you’re in the app, tap on the “Cards” tab located at the bottom of the screen. This will display all your existing cards and give you the option to create a virtual card.
4. Select ‘Add Virtual Card’
Click on the option to add a virtual card. The app will guide you through a few prompts, like selecting the account you want the virtual card to be linked to.
5. Customize Your Card
You can choose what type of card you need—whether for everyday purchases, online shopping, or travel. FNB offers different virtual card options based on your needs.
6. Confirm Your Virtual Card Details
Once you’ve selected your options, the card will be created instantly. You’ll be able to view the card details (card number, expiry date, and CVV) in the app. Make sure to note these details for online purchases, as there’s no physical card to refer to.
And that’s it! Your FNB virtual card is now live and ready for payments.
How to Pay Online with Your FNB Virtual Card
One of the most common uses of the FNB virtual card is for online shopping. Thanks to its dynamic security features, it’s a great way to keep your card details safe while purchasing online.
Here’s how to use it:
1. Choose Your Product or Service
Browse through your favorite online store, and once you’re ready to checkout, select your items and head to the payment page.
2. Enter Your Virtual Card Details
When prompted to enter your card details, open the FNB App and navigate to your virtual card information. Enter the following:
- Card number
- Expiry date
- CVV (note: this is a dynamic CVV that can change for added security)
3. Complete the Purchase
Once you’ve entered your card details, proceed with the payment. You may need to authenticate the purchase through your FNB app or receive a One Time PIN (OTP) for extra security. After this, your payment will be processed and confirmed.
Pro Tip: The FNB virtual card’s dynamic CVV feature ensures that your card is safe, even if your card details are compromised during an online transaction.
How to Pay In-Store with Your FNB Virtual Card
In addition to online payments, you can also use your virtual card for contactless, in-store payments via your smartphone.
Here’s how:
1. Activate Contactless Payments (NFC)
Ensure that your smartphone’s NFC feature is enabled. This will allow you to make contactless payments by simply tapping your phone against a payment terminal.
2. Launch the FNB App
Open the FNB app and navigate to your virtual card. You’ll see an option to “Tap to Pay” on the screen when you’re ready to make a payment.
3. Tap Your Phone at the Payment Terminal
At the point of sale, instead of inserting or swiping a physical card, just tap your phone on the card reader to make the payment.
4. Authenticate the Payment
For security, you may need to authenticate the transaction using a fingerprint, PIN, or face ID on your phone. Once approved, your payment is complete!
Pro Tip: You can use this feature at any merchant that accepts contactless payments, making it perfect for quick transactions at grocery stores, coffee shops, or public transportation.
Why Use the FNB Virtual Card?
The FNB virtual card offers several advantages over traditional cards, especially when it comes to convenience and security:
1. Enhanced Security
With a constantly changing CVV code and the ability to instantly block or unblock the card, the virtual card reduces the chances of fraud. If you’re worried about card theft, you’ll find the virtual card a safer option.
2. Contactless Payments
Say goodbye to swiping or inserting cards. With your virtual card, paying becomes as easy as tapping your phone. Plus, it speeds up transactions and reduces physical contact, which is especially important in the current world.
3. Easy Replacement
If your virtual card details are ever compromised or you need to refresh the card, it’s a simple process to issue a new virtual card directly through the FNB App. No need to wait for a new physical card to arrive in the mail.
4. Accessible for Travel
Many travelers prefer using virtual cards because they don’t have to carry multiple physical cards. You can also create different virtual cards for different purposes—one for international purchases, another for domestic spending, and so on.
5. Instant Issuing
Unlike physical cards that may take days to arrive, your virtual card is ready for use immediately. This is perfect for those times when you need a card for urgent purchases or while waiting for your physical card to arrive.
Frequently Asked Questions (FAQs)
1. Can I use the FNB virtual card for subscriptions?
Yes, you can use the virtual card for recurring payments like subscriptions. Just be sure to set up the virtual card as the primary payment method when you subscribe.
2. Is the virtual card available for all FNB account holders?
Yes, the virtual card is available to all FNB account holders who have access to the FNB Banking App.
3. Can I link my virtual card to third-party payment apps?
Yes, you can link your FNB virtual card to platforms like Apple Pay, Google Pay, and others for seamless payments.
4. Can I withdraw cash using my virtual card?
No, the FNB virtual card cannot be used for ATM withdrawals. It’s specifically designed for digital and contactless payments.
5. What if my phone is lost or stolen?
If your phone is lost or stolen, you can immediately block your virtual card via the FNB app from another device or by contacting FNB customer service. This ensures that no one can use your card without your authorization.
Wrapping Up
FNB’s virtual card is the perfect solution for anyone looking for a modern, secure, and convenient way to make payments. Whether you’re shopping online or paying in-store with your phone, the virtual card offers enhanced security features like dynamic CVV and contactless capabilities. With this step-by-step guide, you’re all set to start using your virtual card like a pro!
If you have any further questions, feel free to reach out to FNB’s support or drop a comment below.
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