Virtual Visa Debit FAQ:

  1. Where can Virtual Visa Debit be used?

    International merchants (including US) Online, Over the Phone, and by Mail
    Virtual Visa Debit is accepted by US and International online, telephone, and mail order retailers that accept Visa.

    Canadian merchants Online, Over the Phone, and By Mail
    Virutal Visa Debit is accepted online, over the phone, and by mail at participating online merchants in Canada. To date, more than 42,000 online merchants accept Visa Debit in Canada and the number keeps growing.

  2. Where can I get Virtual Visa Debit?

    Virtual Visa Debit is available through RBC Royal Bank®.

  3. How do I check out using Virtual Visa Debit online?

    Upon selecting items for purchase, you will need to:

    • Click the "Checkout" button (or equivalent) when you are ready to make your online purchase. This will take you to a checkout screen.
    • In the payment information area, select "Visa Debit" if available or "Visa" as the "card type".
    • Enter your Visa Debit number and expiration date in the supplied fields.
    • If required, enter your security code in the "Security Code", "CVV2" or "CSC" field. The security code is a three-digit number found most often on the back of your card.
    • After verifying that all of your information is correct, complete your transaction. Many sites will take you to a final screen where you can confirm your information. If you see this screen, review your information and click "Place Order" (or equivalent) to process the payment to your account. When you complete this transaction the payment will come directly from your bank account.
    • Write down the confirmation number that the site gives you after it completes the transaction.

    The transaction will then be processed and completed.

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  4. Why is it called Virtual Visa Debit?

    "Virtual" relates to the fact that this card can only be used where a card is not required to be physically presented to the merchant. These transactions are generally done online, by telephone or by mail order. For convenience, clients will be issued a plastic reference card that gives the client all the information required to make a purchase: The Virtual Visa Debit reference card does not have a magnetic stripe, CHIP or PIN associated with it and therefore cannot be used at an ATM or store.

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  5. Which of my accounts is debited when I pay with Virtual Visa Debit?

    When making a Virtual Visa Debit payment, funds are debited from your primary chequing account. This is the same account that you access by selecting "Chequing" when you make a debit purchase with your bank card.

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  6. Can I use Virtual Visa Debit for purchases other than online purchases?

    Yes. Some telephone and mail order merchants also accept Virtual Visa Debit payments. It is best to confirm acceptance with the merchant directly before submitting your Virtual Visa Debit information. Virtual Visa Debit can also be used for recurring payments with accepting merchants online, over the phone or through mail order.. Virtual Visa Debit cannot be used at physical store locations or at ABMs.

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  7. Why don"t I have a PIN?

    There is no need for a PIN because you cannot use a Virtual Visa Debit reference card at an ATM or at a store. The information located on your reference card is all you need to make a payment online, over the phone or by mail:

    • your Virtual Visa Debit Number
    • the expiry date
    • CVV2 (3 digit security code found on the back of the card)
    • Account holder name

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  8. Does Virtual Visa Debit expire?

    Yes. Shortly before your reference card expires, your financial institution will provide a replacement with a new expiry date (in accordance to their individual business practices). The expiry date is necessary to process purchases online, over the phone, and for mail orders.

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  9. What happens if Virtual Visa Debit is used fraudulently?

    For Virtual Visa Debit, the Visa Zero Liability* policy provides you with protection against fraud for purchases made online, over the phone or by mail. Under the Visa Zero Liability policy, account holders pay $0 for purchases made through unauthorized account use. Account holders should report unauthorized transactions to their card issuer immediately. Within two business days, the issuer is obligated to provide provisional credit and replace the amount under dispute, in most circumstances. Account holders should be aware that transactions in question must be posted to an account before provisional credit is issued. For details, account holders should consult their issuers.

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  10. How can I protect myself from the risk of fraud?

    There are a number of relatively simple ways to help prevent fraud:

    • Protect the 3-digit security code on the back of the reference card. The code should only be provided to merchants to authorize transactions when the cardholder has initiated the sale.
    • Report lost or stolen reference cards to the issuer immediately.
    • Review monthly statements and report any potentially fraudulent charges to the issuer immediately.

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*Visa account holders must establish that the transaction is not their responsibility as per all applicable agreements of the issuing financial institution. Individual provisional credit amounts may be withheld, delayed, limited, or rescinded by an issuer based on factors such as gross negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim, and account standing and history.