Viber Pay virtual card

A virtual debit card is a digital card that works like a regular debit card but exists only electronically. It has a unique card number, expiry date, and CVV, and is linked to your Viber Pay wallet. Viber Pay virtual cards are free to create and can be used instantly for online shopping.

To receive your Viber virtual card, you need to complete all steps to sign up on Viber Pay. You’ll need to answer a few questions and provide an ID and a selfie.

No, currently, we only allow one virtual card per wallet. However, if you permanently delete your Viber card, you can easily create a new one at no additional cost.

• Go to the Pay tab in your Viber app and tap ‘My card’ button on the balance banner
• Tap ‘Card details’ and authenticate yourself using your Viber app PIN or biometrics

Managing your Viber virtual card 

• Freeze/ Unfreeze your card: You can freeze your card to prevent unauthorised use and unfreeze your card when you're ready to use it again.
• Terminate or delete your card: You can permanently delete your virtual card. You won’t be able to retrieve the same card again.

• You cannot reactivate a permanently deleted card. You can only unfreeze a frozen/inactive card.

No, deleting your card only impacts your virtual card and does not impact your Viber Pay wallet account. All future payments set up on your virtual card will fail if you permanently delete your card.

No, freezing your card only impacts your virtual card and does not impact your Viber Pay wallet activity. All future payments associated with your virtual card will be declined if you freeze your card.

Viber Pay virtual card doesn’t have a card PIN at present. We are working on building more features for you. We’ll let you know about the latest updates.

Using your Viber Pay virtual card 

• You can make online and in-app purchases using your virtual card. You can view your virtual card details such as the card number, expiry date (MM/YY), and CVV number in Viber app, post authentication using your Viber Pay App PIN or biometrics
• You can set up recurring payments using your virtual card, automate charges and never miss a payment
• We will be coming up with more exciting features soon! Stay tuned

• It allows you to transact anywhere Visa is accepted
• It allows you to monitor your spending online
• It is quick and easy to create and manage
• It is easy to freeze / unfreeze / permanently delete your card if you suspect any fraudulent activity on your card

Yes, by topping up in the ‘Add Money’ section on the app

You can use your virtual card in any country where Visa is supported. Please note that transacting in foreign currencies other than wallet currency might incur additional charges. You can check the fees for your card by going to the Fees section in the app.

Yes, you can spend in any currency supported by Visa. However, please be aware that FX exchange fees or markup might be charged if you purchase in any foreign currency other than your wallet currency.

You can check the fees for your plan by tapping the ‘Fees’ button under the Profile section of Viber Pay.

Yes, your Viber virtual card shares the same spending limit as your Viber wallet usage limit.

Your virtual card payment can be declined due to many reasons, including (but not limited to):

• Insufficient funds in your account
• You've exceeded your spending limit
• The merchant doesn't accept debit cards
• The card has been frozen or cancelled
• Incorrect card details entered, such as incorrect CVV or expiry date
• The transaction may have been flagged as potentially fraudulent

Not all declined payments may be visible in the app for the following reasons:

• Restrictions by the merchant
• Technical issues on the merchant side
• Since we might not have visibility of the declined payment on our side, please contact Support so that we can reach out to the merchant and resolve the issue as soon as possible

Disputes, and refunds

To report a card payment, that has already happened, as fraudulent or to dispute it, you can take the following steps:

• Tap the transaction in the transaction list
• Contact support via the ‘Contact Support’ button and submit a form detailing your concern about the payment. Our support team will reach out to you as soon as possible regarding your concern/claim.

Additionally, you can also decline a payment before it happens by pressing ‘Reject’ on the app when a 2FA (Two-factor authentication) is being prompted on the app. This will ensure that the transaction is declined, and your funds are secure

Unfortunately, at this point there is no way to check the status of your dispute via our Viber app. Once you raise a dispute, we will investigate the issue and reach out to you if any further clarification is required and /or we have reached a result on the investigation

No. If the merchant asks for a card number, you can let them know the card is no longer active and share an active Viber card number instead, or your Viber account IBAN for a bank transfer of the refund.