What is a VCC for PayPal?

A virtual credit card (VCC) for PayPal is a secure digital card used to make payments without linking your main bank account.

While many traditional credit card users face issues like account holds, declined cards, or confusion from mixing personal and business funds, a dedicated VCC helps bypass these problems. It allows you to isolate transactions, reduce risk, and keep your main payment method untouched.

Types of VCCs for PayPal

Choose your virtual credit or debit card for PayPal and enjoy all the perks of online payment methods. Pick one from Finup’s flexible solutions for any scale and type of project.

Universal VCCs work across platforms and can handle payments in multiple currencies, making them ideal for global use. Whether it’s Visa or Mastercard, you can get a VCC instantly and start paying online without delays — perfect for flexible, hassle-free budget management anywhere.

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Universal card

20+ BINs
High spending limits
Unlimited number of cards
Without mandatory verification

$3.00

Issuing

Free

Maintaining

Universal VCCs work across platforms and can handle payments in multiple currencies, making them ideal for global use. Whether it’s Visa or Mastercard, you can get a VCC instantly and start paying online without delays — perfect for flexible, hassle-free budget management anywhere.

Platinum virtual cards with great performance stability and exclusive rates. Access is given in cases of significant volumes of transactions.

Platinum card

20+ BINs
For any payments
Web-services

Perfect for both business and personal needs, platinum VCCs offer higher spending limits and premium support. Enjoy enhanced protection against fraudulent activities and smoother transactions, all while getting more value from every purchase. Connect this card to your Apple Pay or Google Pay account and take advantage of secure, high-volume spending.

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Connect to Apple Pay & Google Pay

Advanced security measures
Instant support
Higher reliability
For personal & business purposes

From $2.00

Issuing

Free

Maintaining

Perfect for both business and personal needs, platinum VCCs offer higher spending limits and premium support. Enjoy enhanced protection against fraudulent activities and smoother transactions, all while getting more value from every purchase. Connect this card to your Apple Pay or Google Pay account and take advantage of secure, high-volume spending.

Why Use a Virtual Credit Card
for PayPal?

Digital advertising has never been so easy. Get a debit or a credit card for PayPal from Finup and enjoy the new era of online transactions.

Fraud Shield

When you use a virtual credit card with PayPal, your real card number, code (CVV), and expiration date remain hidden. This means that even if your PayPal account is compromised, your primary credit card or bank account is not at risk of theft. VCCs can be instantly deleted if anything looks suspicious. You can also generate a new card within seconds.

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No Foreign-Txn Fees

Enjoy global spending with zero foreign transaction fees and competitive FX rates that beat your typical bank. With seamless integration for PayPal and other platforms, the consumer can shop or pay anywhere in the world without extra costs nibbling at the balance.

Crypto Top-Ups

Easily fund your card with USDT, BTC, USDC, LTC, and other popular tokens for same-day liquidity and seamless access to funds. Finup, as a provider, supports a range of digital assets, offering flexibility for users who prefer payments via crypto. Just top up in order to use without delays.

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Create unlimited virtual cards online with Finup - image №3

Multi-User Controls

Finup lets you efficiently manage your team by assigning roles like admin, employee, or accountant with customizable access levels. Easily grant or revoke cards, control card information, and billing address permissions, ensuring secure management of your PayPal VCC.

How does it work?

Setting up your virtual credit card (VCC) with Finup takes just minutes — and it’s designed for seamless use on top advertising platforms like Meta Ads Manager, Google, or TikTok.

1. Create Your Account

Begin with a quick registration by providing your name, surname, email, and Telegram nickname, and create a password. Complete the verification process by submitting your personal information.

2. Generate a VCC

Click “New Card” on your dashboard to instantly issue a virtual Visa card or Mastercard. Pick between Universal or Platinum based on your needs, set a one-time card name, choose the BIN, and customize your preferences. The card is created immediately — no paperwork, no delays — and appears in your log for easy access.

3. Fund & Link

Top up your virtual card and easily connect it to your PayPal wallet for smooth transactions. Use your card details — including number, expiration date, and CVV — for PayPal verification, then start making payments using your VCC without linking your main bank account.

4.Pay & Track

Make fast, secure payments and monitor every transaction through real-time dashboards offered by a top VCC provider. Instantly freeze or manage your card to protect your payment information and stay in full control at all times.

Pricing

Find the perfect plan for your business.

FAQ

We have tried to collect popular questions here. If you still have questions, contact our support team

Is there a minimum top-up?

Once you create an account, the minimum top-up amount is $50. This way, you’ll be able to start using Finup’s VCCs smoothly, open up all opportunities, and ensure there are no unavailable features.

Can I have multiple cards for multiple PayPal accounts?

Yes, you can. Finup allows you to create unlimited virtual cards, making it easy to manage multiple PayPal accounts separately. Simply link each card without sharing your bank account details and switch between them whenever you log in to your PayPal for secure, organized payments.

What are the daily/transaction limits?

The daily and transaction limits are set so high that you won’t notice them during regular use. Unlike an actual bank, the VCC processor helps reduce the chance of a dispute due to declined payments or low limits.

Does the card work with PayPal automatic withdrawals?

Yes, the card works with PayPal automatic withdrawals. You just need to add the card’s bank details, including the security code, to your PayPal account and complete the necessary steps to verify PayPal. This ensures automatic payments without interruptions.

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