Secure Anonymous Online Payment visa gift card

Secure Anonymous VISA Credit Card

by John Davidson Vancouver, Canada

If you have a card with a high credit limit like a gold or platinum card definitely avoid using it for online payments. There are also privacy issues related to using a regular credit card since your location can be traced using the transaction details/personal information associated with the card number.

I suggest buying a prepaid credit card instead. They can be purchased in amounts from $100 to $500. Using the card limits your maximum exposure to the credit balance you have on the card. Plus there is no risk of exposing any personal data.

Here in Vancouver, both Citizen Bank and Vancity Credit Union offer an anonymous prepaid VISA credit card. Technically it’s actually a VISA gift card. Unlike store gift cards, it can be used anywhere that VISA cards are accepted. I have used the card online for a couple of different transactions without any problems. I also returned an item I bought to a store easily. I phoned VISA to check out their customer service with regard to the refund. It was excellent and the agent promptly confirmed the refund amount had been credited to the card.

There’s more. You can access the balance remaining and view transactions on-line. You can also associate a shipping address if you are purchasing physical goods online at sites like Amazon.com.

If you’re thinking of buying a store gift card for someone on your shopping list, the VISA gift card is a lot more flexible since you can use it at so many more stores. It’s also a good option for people who have trouble getting credit cards. Since it’s prepaid there is no credit check required to obtain the card.

There is a $2 overhead charge to purchase the card. The balance on the card expires in one calendar year and it can’t be refilled.

Overall using a prepaid VISA gift card makes a lot of sense to provide anonymity and reduce your risk when shopping online.

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seigfried23 profile image

seigfried23 4 years ago

Thank you for this information. I agree completely; I never use my black card for online purchases because of the danger of fraud. I always use my low-end Discover card.

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