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A Venmo virtual card is, in practice, the virtual card number that comes with the Venmo Credit Card. Once you are approved for that card, the number appears in the Venmo app, and you can use it for online purchases after confirming a few identity details. Venmo also offers a separate Venmo Debit Card whose card details you can view in the app. That card is tied to your Venmo balance, not to a credit line, so the two products should not be treated as the same thing.
Which Venmo card you are looking for
Most people searching for a “Venmo virtual card” mean the virtual number attached to the Venmo Credit Card. Venmo describes it this way: “A virtual card number is available to you in the Venmo app as soon as you are approved for a Venmo Credit Card.” (Venmo: Getting Started with your Venmo Credit Card)
| # | Preview | Product | Price | |
|---|---|---|---|---|
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Visa Virtual eGift Card | $54.95 | Buy on Amazon |
| 2 |
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Visa Physical Gift Card $200 (plus $6.95 Purchase Fee) | $206.95 | Buy on Amazon |
| 3 |
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Visa Virtual eGift Card | $206.95 | Buy on Amazon |
| 4 |
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Visa Physical Gift Card $100 (plus $5.95 Purchase Fee) | $105.95 | Buy on Amazon |
| 5 |
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Visa Virtual eGift Card | $28.95 | Buy on Amazon |
The virtual number is not a product you buy separately. It is part of the credit card account. The Venmo Debit Card is a different product with its own card details, described in its own section below.
Find the virtual number on the Venmo Credit Card
Venmo’s help article on getting started with the credit card does not give a full button-by-button path for the first time you view the number, so the steps below follow the parts Venmo documents.
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- Visa Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Conditions: a.co/5bw3qXJ
- When you access your Visa Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
- Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
- Wait for approval. The virtual number becomes available only after Venmo approves your Venmo Credit Card application.
- Open the Venmo app and go to the Credit Card section. After approval, the card is added to your Venmo payment methods.
- When you copy the number, Venmo asks you to confirm the last four digits of your Social Security number, the card’s expiration date, and the CVV. Venmo states these checks are required before the number can be copied for online shopping.
- Keep the number, expiration date, and CVV together for checkout. The next section covers how they are entered.
Source: Venmo: Getting Started with your Venmo Credit Card. Venmo’s general credit card FAQ is at Venmo: Venmo Credit Card FAQ.
Using the virtual number at checkout
At a participating online merchant, choose the card option and enter the virtual card number, expiration date, and CVV in the card fields. Then enter any billing details the merchant requests. The merchant’s checkout decides which fields appear, so the exact layout will vary from site to site.
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- Gift Cards are shipped active and ready for use.
- This card is non-reloadable. No cash or ATM access. Funds do not expire. If available funds remain on your card after the valid thru date has passed, please call customer service for a replacement card. A one-time purchase fee applies at the time of checkout. No fees after purchase.
- To access your card information safely, type the complete website address shown on your Gift Card (MyGift.GiftCardMall.com) directly into your browser's address bar. Don't use search engines or shortened versions of the website address, as these may lead you to fake or fraudulent sites. Do not provide any Gift Card details (example: Card Number) to someone you do not know or trust. If you believe you've reached an illegitimate website, contact cardholder service at 1-888-524-1283. Be cautious of phishing sites, there are a variety of scams in which fraudsters try to trick others into paying with gift cards.
- To report your Lost or Stolen Physical Visa Card, call Customer Service 24/7 at 1 (888) 524-1283 to cancel your Gift Card as soon as you can. You will be asked to provide the Gift Card number and other identifying information.
- Use your Visa Gift Card in the U.S. everywhere Visa debit cards are accepted, including online.
Not every merchant accepts every Venmo payment method. Venmo’s guidance on changing payment methods says some balance-based online payments may require a backup payment method. Check the payment options shown at checkout before you complete the order, and if the Venmo option is missing or fails, choose another method on your Venmo account rather than retrying the same entry repeatedly. (Venmo: Changing Your Payment Method)
Find the Venmo Debit Card details instead
If you hold a Venmo Debit Card, the card details are viewed through a separate flow:
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- Visa Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Conditions: a.co/5bw3qXJ
- When you access your Visa Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
- Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
- Open the Venmo app and select the Cards tab.
- Select the Venmo Debit Card.
- Choose View next to Debit Card Details.
- Enter your passcode or unlock with biometrics when prompted. The details are not shown without this step.
Source: Venmo: Using Your Venmo Debit Card.
Credit versus debit: how the two differ
| Item | Venmo Credit Card (virtual number) | Venmo Debit Card (card details) |
|---|---|---|
| Funding source | Credit line on the Venmo Credit Card account | Venmo balance |
| Issuer and network | Synchrony Bank; Visa | The Bancorp Bank, N.A.; Mastercard |
| How to access the number | Venmo app, after approval; confirm last four SSN digits, expiration date, and CVV to copy | Cards tab, select the Venmo Debit Card, then View next to Debit Card Details; passcode or biometric unlock required |
| Stated use | Virtual card number for online purchases | Card transactions, drawn from the Venmo balance |
Issuer and network details are from Venmo’s help articles on the Venmo Credit Card FAQ and the Venmo Debit Card guide.
Replace a virtual card number or disable a card
If the virtual number has been exposed or you want a fresh one, you can request a replacement from the Venmo Credit Card:
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- Gift Cards are shipped active and ready for use.
- This card is non-reloadable. No cash or ATM access. Funds do not expire. If available funds remain on your card after the valid thru date has passed, please call customer service for a replacement card. A one-time purchase fee applies at the time of checkout. No fees after purchase.
- To access your card information safely, type the complete website address shown on your Gift Card (MyGift.GiftCardMall.com) directly into your browser's address bar. Don't use search engines or shortened versions of the website address, as these may lead you to fake or fraudulent sites. Do not provide any Gift Card details (example: Card Number) to someone you do not know or trust. If you believe you've reached an illegitimate website, contact cardholder service at 1-888-524-1283. Be cautious of phishing sites, there are a variety of scams in which fraudsters try to trick others into paying with gift cards.
- To report your Lost or Stolen Physical Visa Card, call Customer Service 24/7 at 1 (888) 524-1283 to cancel your Gift Card as soon as you can. You will be asked to provide the Gift Card number and other identifying information.
- Use your Visa Gift Card in the U.S. everywhere Visa debit cards are accepted, including online.
- Open the Cards tab in the Venmo app.
- Select the Venmo Credit Card.
- Tap the card image.
- Scroll to Your virtual card.
- Select Request new virtual card number.
Venmo states: “Once you get a new virtual card number, the old virtual card number will no longer work.” Venmo limits these requests to one every 24 hours, so save the new number right away and do not expect a second replacement the same day. (Venmo: Venmo Credit Card Security)
Disabling the physical credit card does not stop online use of the virtual card. Venmo notes that previously authorized pending physical-card transactions may still complete after you disable it. If your goal is to stop all online spending, replacing the virtual number is the step that retires the old number.
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- Visa Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Conditions: a.co/5bw3qXJ
- When you access your Visa Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
- Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
What the Venmo Purchase Program covers
Venmo’s Purchase Program applies to eligible purchases made through participating websites. It does not apply automatically to every transaction in which you enter a card number. Whether a particular purchase qualifies depends on the merchant and the way the payment was made, so check Venmo’s current Purchase Program terms before relying on it for a specific order. (Venmo: Paying with Venmo)
Quick Recap
Troubleshooting common problems
- No virtual number in the app. The number is available only after approval for the Venmo Credit Card. If you have not been approved, there is nothing to copy yet.
- Looking for card details but seeing the wrong card. The credit virtual number and the debit card details are in different parts of the app. Confirm which card you are looking at before you copy anything.
- Checkout rejects the entry. Re-check the number, expiration date, and CVV. If the number was replaced, the old one no longer works, so use the newest number.
- Venmo is not offered at checkout. The merchant may not accept that Venmo payment method. Choose another payment option on the merchant’s page.
- Verification prompt blocks copying. Venmo requires the last four SSN digits, expiration date, and CVV before the credit card number can be copied. If these details do not match what Venmo has on file, contact Venmo support through the app’s help section.
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Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
