Virtual cards are Visa payment cards issued by Sumeria and linked to the customer’s payment account, with a randomly generated card number created via the app. They can be used online for a single payment or for multiple payments and ensure secure purchases on e-commerce websites and mobile applications. Customers can create and delete virtual cards from their app.

The customer can create a virtual card for online payment and delete it immediately afterwards. They can also choose to keep it, in which case the virtual card will remain valid for three years. Learn more.

Creating a virtual card

Virtual card creation is free within the limits of the offer available to the customer at the time of card creation. Learn more.

The customer will be offered three types of virtual cards:

  • For multiple payments - A generic virtual card that can be added to a contactless payment solution for your everyday purchases. Or a card that can be registered on e-commerce sites to facilitate occasional purchases.
  • For 1 payment - A single-use card that is automatically destroyed after a payment of more than €1.50. Learn more;
  • For subscriptions - A card intended to be registered on one or more merchant sites for monthly subscriptions. Learn more.
  • The creation of the card must be confirmed by strong authentication. In the detailed view of their card, customers will find all of its settings.
The creation and use of a virtual card may be subject to specific fees or limits, in accordance with the applicable pricing conditions. Depending on the customer's offer, they may have a varying number of virtual cards active at the same time.

Using a virtual card on the Internet

The virtual card can be used online by copying and pasting the card details onto the merchant's website.

Once the payment has been validated via 3D Secure authentication, the card immediately debits the associated account and a notification is displayed in the app summarizing the date and amount of the transaction. The customer can also find this information on their payment receipt.

Payments made with a virtual card benefit from the same level of protection and are subject to the same liability rules as payments made with a physical card.

Even after being canceled, a virtual card can still receive a refund from the merchant. The funds will then be credited back to the account that was originally debited (subject to Sumeria’s actual receipt of the funds).

In the event of a failed or cancelled payment, no amount will be debited.

Define a main card

The customer can choose to save a virtual card to their smartphone wallet for contactless payments. To make it visible on their home screen, they can set it as their main card from the card screen.

Fraudulent use

If the customer did not initiate a transaction, they can dispute it from their transaction history.

In the event of loss, theft, or fraudulent use, the customer must block their card directly through the app and contact customer support. If they are unable to access the app, they must immediately inform customer support and request the card to be blocked or canceled by sending an email to contact@sumeria.eu or by contacting our 24/7 Live Chat.

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