![]() We’re using encryption from OpenSSL to encrypt and de-encrypt. Want to contribute feedback on the use cases for the Virtual Card Numbers API? Check out the product page and click on the Feedback tab to let us know what you think. Here, the merchant can proactively ask for that physical card number to be replaced with a virtual card which allows for uninterrupted spending. If a customer has a physical card number stored on a merchant site, with customer permission it can be replaced with a virtual card to increase control and security. In this use case, once a Capital One cardholder is ready to checkout from an online store, they can log into their account and use the Virtual Card Numbers API to easily create a unique virtual card number for use at that merchant.Īnother use case is around updating existing card information. The first use case is around how we issue virtual cards for more seamless online transactions. This Experimental API was designed to harness the power of tokenization and virtual card number technologies to improve the ecommerce experience.Ĭurrently, we envision two main payment tokenization & virtual card API use cases: New Customer and Existing Customer Enrollment. To better serve merchants, consumers, and payment processers, we’ve recently released Virtual Card Numbers - an Experimental API that lets developers simulate creating virtual credit card numbers for customers who have a Capital One credit card. The Capital One DevExchange was launched in 2016 with the mission of opening up our APIs and letting developers co-create experiences with our products. The virtual card numbers experimental API Virtual card numbers use payment tokenization to provide a solution that both consumers and merchants stand to benefit from: Virtual card numbers can also help increase sales by preventing disruption to the payment process when the customer’s card is reissued, the virtual card number stored on file remains active and is now linked to the new (real) card number. This increases exposure of customer’s credit card information, and can cause disruption to the payment process if the customer’s card gets reissued or replaced.ĭistinct from the credit card number and unique to each merchant, virtual card numbers can limit exposure of sensitive card information because the merchants do not need to handle the credit card number. With the growth of online and mobile commerce, the average consumer now has their card stored on file with dozens of recurring billers and online merchants. And we want your feedback on it while we iterate on the design and work toward the final product. With our new Virtual Card Numbers API, Capital One is building an experimental service that simulates creating virtual card numbers for online shopping. What happens when you combine a tech company with a bank? You get innovative solutions to removing friction from the online shopping experience.
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