15 Virtual Prepaid Debit Cards That Might Be Useful for the Holiday Season

An updated version of this article can be found here.

Prepaid cards are payment cards with a stored value on the card itself unlike debit cards, where an external account is maintained by a financial institution or credit cards, which are subject to the credit limits set by the issuer.

In this article, we are going to talk about virtual prepaid debit card providers. These cards can be created quickly and help to make secure transactions. As the holiday season approaches, we thought you, our readers, will find this piece of work interesting.



The company provides a prepaid debit card within 24 hours of submitting the required documents. The card has the ability to load funds from any bank account instantaneously and can be used as a payout solution for wages, incentives, salaries, etc. They also provide a mobile app for the cardholder. Worldcore is the most promising Central European startup to watch out for in 2016. Worldcore account allows to get paid through bank wire, load any Visa/MasterCard credit or debit card, make online payments, make withdrawals to the Worldcore prepaid debit card and pay bills or buy any goods. That’s an absolute advantage that Worldcore cards daily ATM withdrawal limit is 4,000 Euros and monthly limit is 120,000 Euros. The company promises to work round-the-clock to provide the fastest possible turnaround time for people signing up to the payment account via the website. For individual accounts or debit cards, the verification process requires digital copies of the individual’s passport and an address proof. The company utilizes Thomson Reuters World Check for financial institutions as the back-end verification tool. Worldcore also offers B2B payment services. For businesses that switch their financial flow to Worldcore, internal accounts are automatically pre-created in over 10 currencies and incoming payments are credited accordingly.


Founded in 1999, Optimal Payments Limited provides businesses and individuals with an online alternative to traditional payment methods.

The company helps customers get their money where it needs to go securely and privately, and give businesses an option for accepting payments and making payouts in markets where traditional methods may not work.

Millions of customers around the world have used NETELLER to pay and get paid on thousands of sites and to send money around the world. With a host of online and offline withdrawal and spending options, they also enjoy instant access to their cash at millions of point-of-sale, ATM and online locations. The Net+ Virtual card is accepted at thousands of online shops and sites.


Initial SpectroCard reduces many barriers for unbanked, traveling and other people to be a part of convenient payment system as SpectroCard is accepted at more than 30 million places around the globe.

SpectroCard is also a solution for small and medium enterprises, which are willing to issue temporary or permanent payment cards to their employees, business partners or clients.

Avoid banks and pay anywhere online with a virtual MasterCard prepaid card from SpectroCard. Get it online in less than a minute and prepay your card by cash and many other funding options worldwide.


EntroPay is one of the most cost-effective, easy and rapid means for businesses and consumers to remit funds around the world through less-restricted access to global payment networks (Visa, MasterCard, SWIFT). It is a highly recognized payment platform among online gaming companies and has a strong track record of converting customers when offered as a payment alternative following declined transactions. EntroPay has operated since 2003 by Ixaris Systems, Ltd., which is certified to issue e-Money for EntroPay by the UK Financial Services Authority and is registered as a money services business with the HM Revenues and Customs in the UK. EntroPay gives user an easy, safe way to pay online in the form of a virtual prepaid credit card.


NetSpend is a leading provider of reloadable prepaid cards and related financial services in the United States. We serve the estimated 68 million underbanked consumers who do not have a traditional bank account or who rely on alternative financial services.

NetSpend offers FDIC-insured Visa and MasterCard prepaid cards, issued by state and federally regulated financial institutions. NetSpend’s prepaid cards are packed with features for adding, spending, withdrawing and managing money and easy ways to enjoy these features.

NetSpend offers its prepaid cards online and in well-known grocery stores, convenience stores, pharmacies and check cashers nationwide.


ecoPayz is a global payment solutions provider offering instant, safe and convenient payment services to customers and businesses across the globe.

The ecoVirtualcard is a one-use payment card that works directly with your ecoAccount so you can securely pay for goods online and over the phone.

The ecoVirtualcard can be immediately acquired and used to spend online or over the phone wherever MasterCard is accepted.


OKPAY provides a temporary card number for only a one-time use and hence, ensures security because hackers will not be able to use the number, even if they do attain it. The service is flexible enough to give you a regular debit card as well that you can use in brick-and-mortar stores as well as draw cash out. Signup is once again free and there is no annual fee or any extra fee for SMS alerts etc. Their fee table provides an idea of how users are charged. They are transparent in their exchange rates which is a huge plus over other providers on this list. The process to open an account is quick, but verification is significantly slower than other services though (it can take three to seven days or four hours if you pay extra). If security & flexibility is your number one priority, you should not have an issue here.


The Payoneer Prepaid MasterCard Card will transform the way you make payouts. Fully integrated with our mass payout services and supported in more than 200 countries, your payouts will be available for use by the payee within two hours! Once funds are available, payees can make purchases online, in stores and at ATMs worldwide—wherever MasterCard is accepted.

US Unlocked:

US Unlocked is privately owned and was founded in 2008 with the express purpose of unlocking those US websites that make shopping on them impossible for the international online shopper. US Unlocked provide the international shopper access to most US websites through its unique US Unlocked Card, a virtual pre-paid debit card for payments on American websites that only accept credit cards issued by a US bank or US billing address.

Virtual Visa Debit:

Virtual Visa Debit card can be used by international merchants (including the US) online, over the phone and by mail. To date, more than 42,000 online merchants accept Visa Debit in Canada and the number just keeps growing.


The user doesn't have to wait for a plastic card. They can receive their MasterCard card data online immediately. And upon request, the company will be happy to send the user a plastic card for the account.


VCpay is a phone app that creates a new VCpay Virtual Prepaid MasterCard number for every purchase, simply by using your phone. Creating virtual card numbers never exposes your true account number, helping to secure your identity and account from fraud. There is no bill to pay at the end of the month and no late fees. It is a reloadable prepaid card. To sign up, you do not need a bank account. The company does not perform a credit check either (this is a prepaid card).


Established in 2006, the

Virtual prepaid cards are non-reloadable, non-rechargeable cards that work just like any other regular credit or debit card to make purchases online, by phone, or anywhere else a card purchase can be made without the need for a physical card.

By being able to preload virtual cards, you have better, more direct control over your businesses spending, making it easier to manage your company finances more efficiently. Virtual prepaid cards are accepted worldwide and can be issued in a number of major currencies.


The Mango MasterCard gives you instant access to your money through your mobile device or online 24/7. You also don’t have to wait a week to get your card in the mail so you can use it—you get an instant virtual card when you sign up online.


The MoneyPolo prepaid VISA and MasterCard work just like any other payment card. The company's prepaid cards are not only secure but also ideal for a range of uses and have great flexibility. The variety of available options: from disposable virtual cards to personalized embossed cards that will last you years.