controlled payment number is an alias for a credit card number, with a limited number of transactions, and an expiration date between two and twelve months from the issue date. This “alias” number is indistinguishable from an ordinary credit card number, and the user’s actual credit card number is never revealed to the merchant.

The technology has been used as an anti-fraud measure, so that a virtual credit card number may be generated to settle a specific transaction, on an exact date by an authorized individual. The possibility of a fraud occurring is less than a traditional physical card, which can be lost, stolen or indeed cloned.

The number is a web application or a specialized client program, interacting with the card issuer’s computer, and is linked to the actual credit card number. While it could usually be set up to allow multiple transactions, it could only be used with a single merchant. Consequently, if it is compromised a fraudulent user can usually not steal money, and the limit reduces how much a fraudulent person can steal.

The term “controlled payment number” is a trademark of Orbiscom. [1] “virtual credit card” (VCN), “virtual credit card”, “virtual credit card”, “virtual credit card”, “one-time use credit card”



January 2009, MasterCard and Cyota Inc. acquired the controlled payment system developed by Orbiscom, a Dublin -based payment processing company. [2] In the United States, the system is used by the following credit card issuers: Bank of America “ShopSafe” [3] (inherited when it acquired MBNA ) and Citibank “Virtual Account Numbers”. [4] Examples from other countries are MBnet , which can create a payment number linked to any credit or debit card emitted in Portugal .

Orbiscom’s patented payment technologies have been integrated with MasterCard’s global processing platform, “inControl”. [5]

In 2013 Royal Bank of Scotland MasterCard’s Enhanced Central Travel Service (eCTS), which uses VCN technology. This service is intended to provide companies that are currently paying for multiple accounts with a centralized travel payments system. [6]

In 2015 Etisalat Egypt , National Bank of Egypt NBE and MasterCard launched “Virtual Card Numbers, VCN” service via Flous service. The service works on any mobile phone from the basic phone to the latest and most sophisticated mobile device and is easily accessible from your phone menu. Every time the customer requests a VCN she / he will receive an SMS containing different card numbers with different card info.

Discontinued programs

On February 7, 2014, the US Discover Card discontinued its Secure Online Account Numbers service, saying that no one had access to the underlying technology. All existing Secure Online Account Numbers expired on March 16, 2014. [7]

In the UK, Ivobank offered a similar “virtual card” until it went bankrupt in 2009, and Cahoot withdrew their Webcard in October 2009.

American Express ‘ s “Private Payments” was available from late 2000 to 2004.

Paypal discontinued their virtual credit card service on September 22, 2010. [8]

UK-based Neteller offered Net +, a “virtual debit card” with card details generated uniquely for each transaction, from 2008 to 2012; It was discontinued on 29 February 2012, citing lack of use by customers.

Virtual credit card

A virtual credit card (VCC) is a virtual credit card (VCN) typically used for online purchases. (POS) transactions (POS) transactions. Additionally, unlike the numbers generated by online credit card number generators, funds must be deposited into an account associated with the VCN prior to use.

In addition to online VCN providers, VCNs can also be acquired from Visa and MasterCard. Online VCN providers. VCNs and VCNs.

A virtual credit card includes three parts:

  • Credit card number

Like standard Visa and MasterCard credit cards, the credit card consists of sixteen digits. [9]

  • CSC / CVC / CVV / CVV2

A card security code (CSC) (also termed card verification code (CVC) and card verification value (CVV / CVV2)) is also associated with the virtual credit card; As in standard credit cards, a CVV is used in virtual credit cards to establish card ownership by the buyer and to authorize transactions.

  • Date of expiry

Virtual credit cards often expire much sooner than physically issued credit cards. As a VCC, VCNs can be used for a long time.



  1. Jump up^ “Controlled Payment Numbers” . Orbiscom . Retrieved 2009-10-20 .
  2. Jump up^ “MasterCard Worldwide Acquires Orbiscom to Accelerate Development of Innovative Payment Solution” . Orbiscom . Retrieved 2009-10-20 .
  3. Jump up^ “ShopSafe” . Bankofamerica . Retrieved 2014-10-01 .
  4. Jump up^ “Virtual Account Numbers” . Citi . Retrieved 2014-10-01 .
  5. Jump up^ “Commercial Products” . Mastercard . Retrieved 2014-10-01 .
  6. Jump up^ MasterCard Central Travel brochure Solution
  7. Jump up^ “Discover to Discontinue Secure Online Account Numbers Again” .
  8. Jump up^ “Paypal Plugin will not be available” .
  9. Jump up^ “ALLVCCS – Controlled Virtual Credit Card Numbers” . . Retrieved 2016-11-17 .
  10. Jump up^ “Virtual Credit Card Buying Guide – Micro Labors” . Micro Labors . Retrieved 2016-03-09 .