Best Virtual Card Payment Apps

247+ iOS apps curated and reviewed

4.2 avg rating
20 free apps
Updated August 2026

Out of 247+ virtual card payment apps on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Compare top Virtual Card Payment Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Privacy.com: Virtual CardsPrivacy.com: Virtual CardsFree4.5★ (7.1K)NoNoAug 2026
2Buvei – Virtual Card & PayBuvei – Virtual Card & PayFree3.5★ (2)NoNoAug 2026
3VenoPay Unlimited Virtual CardVenoPay Unlimited Virtual CardFreeNoNoJul 2026
4Fyatu - Virtual Debit CardsFyatu - Virtual Debit CardsFreeNoNoJul 2026
5e.PN - Virtual cardse.PN - Virtual cardsFree4.5★ (68)NoNoAug 2026
6Cardtonic: Gift & Virtual CardCardtonic: Gift & Virtual CardFree4.4★ (8.1K)YesNoAug 2026
7J.P. Morgan Virtual CardJ.P. Morgan Virtual CardFree3.0★ (2)NoNoAug 2026
8Jim: sell & get paid instantlyJim: sell & get paid instantlyFree4.7★ (11K)YesNoAug 2026

Top Picks for Virtual Card Payment

Privacy.com: Virtual Cards#1

Privacy.com: Virtual Cards by Pay With Privacy, Inc.

Protect Your Payments
Editor's Choice
💰 Finance
4.5😐(7.1K ratings)
Free
Privacy.com: Virtual Cards screenshot 1
Privacy.com: Virtual Cards screenshot 2
Privacy.com: Virtual Cards screenshot 3
Privacy.com: Virtual Cards screenshot 4
Privacy.com: Virtual Cards screenshot 5
Privacy.com: Virtual Cards screenshot 6

Safeguard your online transactions by creating virtual payment cards. Protect your actual financial details from compromised cards, unexpected charges, and recurring subscription fees. Enjoy enhanced security and control over your spending with customizable limits and real-time monitoring.

What We Love

  • 🚀 Excellent protection
  • 🔒 Total control
  • 👍 Incredible
  • 🔒 Essential app

Room to Improve

  • 🐛 Great service, HORRIBLE new app
  • 🐛 DISAPPOINTED THEY DONT BLOCK THEFT LIKE THEY CLAIM
  • 🐛 New UI and other irritations
Buvei – Virtual Card & Pay#2

Buvei – Virtual Card & Pay by buvei llc

Virtual Card & Payment
Strong Contender
💰 Finance
3.5(2 ratings)
Free
Buvei – Virtual Card & Pay screenshot 1
Buvei – Virtual Card & Pay screenshot 2
Buvei – Virtual Card & Pay screenshot 3
Buvei – Virtual Card & Pay screenshot 4

This platform offers virtual Visa and Mastercard cards for global online payments. It supports various spending needs like subscriptions, e-commerce, and travel, integrating with digital wallets for convenient transactions.

More Virtual Card Payment apps to explore

4
Fyatu - Virtual Debit Cards
Fyatu - Virtual Debit Cards
Fyatu - Virtual Debit Cards
Instant Payment Cards Issuing
Free
💰 Finance
(0)
5
e.PN - Virtual cards
e.PN - Virtual cards
e.PN - Virtual cards
pay for goods and services
Free

Effortlessly pay for goods and services with virtual cards from international banks. Issue multiple cards and transfer funds quickly between accounts with no restrictions or blocks.

Virtual cards from international banksPay for goods and servicesNo restrictions or blocks
💰 Finance
(68)
free
6
Cardtonic: Gift & Virtual Card
Cardtonic: Gift & Virtual Card
Cardtonic: Gift & Virtual Card
Best in Cards, Bills & Gadgets
Free

This app offers virtual dollar cards for online payments, facilitates buying and selling gift cards, and allows users to pay bills and purchase gadgets at discounted prices. It aims to provide financial freedom and convenience for users in Africa.

Virtual USD cardsBuy and sell gift cardsPay bills globally
🔧 Utilities
(8.1K)
free with in-app purchases
7
J.P. Morgan Virtual Card
J.P. Morgan Virtual Card
J.P. Morgan Virtual Card
by Extend Enterprises, Inc.
Free

This app allows J.P. Morgan Commercial Card customers to create and manage virtual cards for business expenses. It streamlines payment processes, enables cardholder requests, and provides real-time spending insights. Organizations can customize card controls and maximize rebate opportunities.

Virtual card creationCardholder empowermentCustomizable spending controls
💰 Finance
(2)
free
8
Jim: sell & get paid instantly
Jim: sell & get paid instantly
Jim: sell & get paid instantly
Tap to Pay & Payment Links
Free

Accept contactless payments directly on your iPhone without extra hardware. Get paid instantly and access funds immediately with a prepaid card. Utilize AI-driven insights to grow your business.

Accept contactless paymentsInstant fund accessSpend with JIM Visa® Prepaid card
💰 Finance
(11K)
free with in-app purchases
9
Square Point of Sale (POS)
Square Point of Sale (POS)
Square Point of Sale (POS)
Payments & Business Dashboard
Free

This all-in-one payments processing app helps businesses of all types manage operations, accept payments, and boost profits. It offers industry-specific modes for retail, restaurants, services, and beauty businesses, with features like inventory management, online booking, and invoicing.

Accept all major payment typesIndustry-specific business modesInventory management
💼 Business
(603K)
free with in-app purchases
10
MyCardWallet.
MyCardWallet.
MyCardWallet.
Mobilize your cards
Free

Manage your prepaid cards easily and securely. View balances, store card details, and add them to your digital wallet for contactless payments in-store or online. Quickly access full card information when needed.

View card balanceStore cards securelyAdd to digital wallet
💰 Finance
(96K)
free
11
Sparrow Card App
Sparrow Card App
Sparrow Card App
Building Credit Smarter
Free

This app offers a credit card designed to help individuals with less-than-perfect credit build their financial future. It provides features like cashback rewards, real-time notifications, and tools to help users improve their credit score and access credit line increases.

Virtual card access1% cashback on on-time paymentsReal-time notifications
💰 Finance
(3.3K)
free
12
Imprint App
Imprint App
Imprint App
Cards & Rewards
Free

This app allows you to apply for and manage loyalty credit cards from your favorite brands. Earn unlimited rewards on purchases, especially with partner brands. Access your virtual card instantly, manage your account, and enjoy secure payment options.

Apply for loyalty credit cardsEarn unlimited rewardsManage account activity
💰 Finance
(26K)
free
13
Digital Purse
Digital Purse
Digital Purse
Shop and spend globally.
Free

This platform offers virtual and digital gift cards for convenient online payments. Easily create virtual cards for shopping, subscriptions, and services, or send and redeem digital gift cards from popular brands. Manage your digital spending in one place.

Create virtual cards instantlyUse for online shopping and subscriptionsManage multiple cards for different purposes
💰 Finance
(2.6K)
free
14
Visa Pay
Visa Pay
Visa Pay
Fast & secure payments!
Free

A mobile payment solution enabling consumers and micro businesses to access digital payments. Users can create a wallet account, receive a digital card for online and offline transactions, and send money to any enrolled mobile number.

Mobile payment solutionDigital wallet creationInstant digital card
💰 Finance
(102)
ad-supported
15
Noupia: Virtual Card
Noupia: Virtual Card
Noupia: Virtual Card
by Noupia Limited
Free

Create and fund virtual debit cards instantly using mobile money. Use them for online shopping, subscriptions, advertising, and digital wallets.

Create virtual debit cardsFund via mobile moneyOnline shopping payments
💰 Finance
(172)
ad-supported
16
Cash App
Cash App
Cash App
Money. Debit Card. Bitcoin.
Free

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

Send & receive money/bitcoin instantlyRound up spare change to saveInvest in stocks, ETFs, and bitcoin
💰 Finance
(8.6M)
free with in-app purchases
17
Conferma
Conferma
Conferma
Create and send virtual cards
Free

This app provides a cashless solution for business purchases, allowing users to create and manage secure virtual payment cards. It facilitates online, in-app, and contactless payments, while offering robust expense management and fraud prevention tools for businesses of all sizes.

Create virtual payment cardsManage business expensesCapture receipts on-the-go
✈️ Travel
(4.7K)
free
18
Figo - Global Dollar Card
Figo - Global Dollar Card
Figo - Global Dollar Card
Pay Online with USD Visa Card
Free
💰 Finance
(0)
19
BitFree
BitFree
BitFree
by Bitfree Limited
Free

Manage prepaid virtual cards for secure online spending, subscriptions, and travel. Top up your card easily and track all transactions in one place. Identity verification ensures a safe and compliant user experience.

Prepaid virtual card managementGlobal online shoppingSubscription service payments
🔧 Utilities
(43)
free
20
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Debit card, savings, pay later
Free

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

Send and receive money globallyEarn cash back offersRequest a debit card
💰 Finance
(6.3M)
free with in-app purchases

FAQ about Virtual Card Payment

What are the best virtual card payment apps for iPhone?
Privacy.com: Virtual Cards tops our virtual card payment apps ranking as of August 2026, with a 4.5-star average from 7.1K App Store ratings, and it's free to download.
Yes — 20 of the top virtual card payment apps we rank are free to download, including Privacy.com: Virtual Cards and Buvei – Virtual Card & Pay.
Privacy.com: Virtual Cards has no ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 247+ virtual card payment apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
This app allows you to create virtual payment cards to protect your actual credit or debit card information during online transactions. It helps prevent fraud, unwanted charges, and manage subscriptions by providing a layer of security and control over your spending.
You can create virtual cards that are either locked to a specific merchant or designed for one-time use. Merchant-locked cards can only be used at the first merchant they're used with, preventing misuse if that merchant's data is compromised. One-time-use cards automatically close after a single transaction.