Waa maxay Kaararka amaahda ee Virtual iyo sidee & halkeed ka heshaa?
Maanta, wax iibsiga onlaynka ah waxa uu noqday wax la yaab leh oo leh noocyo caalami ah iyo alaabooyin aan la tirin karin ayaa laga heli karaa albaabkaaga adoon u baahnayn inaad ka guurto gurigaaga. Laga soo bilaabo badeecadaha, sida qalabka elektaroonigga ah, iyo kuwa la cuni karo sida miraha iyo khudaarta, wax walba waa la heli karaa iyadoo la riixo jiirkaaga.
Si kastaba ha ahaatee, dhammaan raaxadan waxaa sidoo kale jira welwel xagga amniga ah. Wax iibsiga onlaynka(Online) ah ayaa sidoo kale soo jiitay dareenka dambiilayaasha internetka taasoo ka dhigaysa mid aan la hubin mararka qaarkood. Baahida loo qabo in la galo faahfaahinta kaadhka deynta oo uu ku jiro lambarka CVV -ga ayaa dhigaya xadka deynta oo dhan ee isticmaalaha saamiga dambiilayaasha internetka.
Waxa kaadhka deynta ka dhigaya kuwo aad u nugul ayaa ah xadkooda deynta culus, kuwaas oo dambiilayaasha internetka ay raadinayaan. Liid ama jabsi fudud, iyo creditkaagu waxay halis ugu jirtaa in si xun loogu isticmaalo khadka. Haddaba, maxaa xal ah? Ma jirtaa hab aad wali ku isticmaali karto Kaadhadhka Dakhliga(Credit Cards) oo aad dareemayso ammaan kugu filan?
Jawaabtu waxay noqon kartaa, Kaararka Credit-ka ee Virtual.(Virtual Credit Cards.)
Waa maxay kaadhka amaahda ee Virtual
Kaarka deynta Virtual(Virtual Credit Card) waa kaarka deynta ee horay loo bixiyay oo aan lahayn xad credit, taasoo la macno ah in aysan jirin suurtagalnimada in wax deyn ah la jabiyo. Kaarka amaahda ee Virtual(Virtual Credit Card) s waxay ku fiican yihiin isticmaalka khadka tooska ah(online usage) xitaa haddii macluumaadka kaadhka la jabsaday, hackersku ma isticmaali karo iyaga oo ka baxsan dheelitirka raran iyo xadka isticmaalka maalinlaha ah.
Sida magacaba ka muuqata, kaadhadhka kredit-ka ee Virtual -ka ah waa kuwo dabiici ah oo aan jidh ahaan loo bixin. (Virtual)Ma haystaan wax caag ah haba yaraatee. Waxay u jiraan kaliya si dhab ah, waana sida ay u bixiyaan ilaalinta. Kaararka deymaha ee Virtual(Virtual Credit) asal ahaan waa nambaro si aan kala sooc lahayn loo soo saaray oo loogu talagalay in lagu ilaaliyo macluumaadka kaadhka amaahda ee soo jireenka ah markaad internetka wax ka iibsanayso.
Xitaa haddii lambarka la jabsado, jabsiga ma isticmaali karo wax ka baxsan dheelitirka la raray iyo xadka isticmaalka maalinlaha ah. Waa adeeg online ah oo ku xidhan xisaabta Netbanking ee isticmaalaha. Kaliya waxaad u baahan tahay inaad gasho bogga internetka oo aad abuurto Kaarka deynta Virtual(Virtual Credit Card) qaddarka loo baahan yahay mar kasta oo aad u baahato inaad internetka ku bixiso. Waa nooca la dheereeyey ee kaarka deynta kaas oo ku siinaya ilaalin dheeraad ah. Kaarka deymaha ee Virtual(Virtual Credit Card) waa ikhtiyaarka ugu badbaadsan uguna wanaagsan baahiyaha badankooda.
Inkasta oo loo yaqaan kaarka amaahda ee Virtual(Virtual Credit Card) , waxay dhaqangal tahay kaarka(prepaid) hore loo bixiyay . Waa kaarka deynta marka la eego macnaha dhabta ah, maadaama aysan jirin xarun deyn oo ku taal. Waxaad go'aansan kartaa xadka deynta maalinlaha ah ee kaadhadhkan casriga ah. Dhammaan tafaasiisha la xidhiidha kaadhkan sida lambarka kaadhka, “laga bilaabo taariikhda”, taariikhda uu dhacayo, iyo lambarka CVV -gu waxa ay yaalaan onlayn.
Sida Kaadhka Amaahda(Credit Card) Virtual uu u dammaanad qaado amniga
Mid ka mid ah astaamaha ugu soo jiidashada badan ee kaadhkan iyo sababta jiritaankiisa waa dammaanad qaadka ka hortagga tuugada. Nambarka kaarka deynta ee dhabta ah ayaa jira, waxaana la isticmaali karaa hal mar oo keliya. Tilmaamahan laftiisa ayaa si weyn u yareynaya shaki kasta oo tuugo ah.
Akhri(Read) : Sideed uga ilaalin kartaa naftaada khayaanada kaadhka deynta ee Carding(Carding credit card fraud) ?
Sida loo helo kaarka deynta Virtual
Kaarka amaahda dalwaddii waa sahlan tahay in la isticmaalo sida kaarka deynta caadiga ah. Way fududahay in wax lagu iibsado onlayn ah iyadoo la isticmaalayo kaadhadhkan casriga ah.
- Waxa ugu horreeya ee aad u baahan tahay inaad sameyso waa inaad abuurto kaarka magaca loo baahan yahay. Taas awgeed, sii faahfaahinta kaadhkaga bangiga aad ka qaadanayso xarunta bangiga saafiga ah.
- Markaa bangigu waxa uu ku siin doonaa nambarka kaarka kreditka ee 16-ka digit ah.
- Geli lambarka kaarka deynta ee la sameeyay. Ku shub kaarka inta lacag ah ee aad u baahan tahay si aad wax uga bixiso lacagta loo baahan yahayna waxa laga soo xisaabin doonaa akoonkaaga. Waa kaas!
Uma baahnid inaad buuxiso tafaasiil dheeraad ah sida nambarka CVV ama taariikhda uu dhacayo ama wax kale, sida lagaaga baahan yahay inaad ku samayso kaarka deynta joogtada ah ama jirka. Taasi waa sababta kaadhadhka amaahda ee Virtual ay aad ugu door bideen maalmahan wax iibsiga online-ka ah.
Ansaxnimada(Validity)
Guud ahaan, ansaxnimada kaadhadhkan kredit-ka ah waa 24 ilaa 48 saacadood. In kasta oo bangiyada qaarkood sida ICICI ay ogolaadaan taariikh dhicis dheer. Intaa ka dib, way is-burburinaysaa. Macaamiisha waxa loo ogolyahay in ay hal lacag ku bixiyaan kaadhadhkan.
Isticmaalka(Usage)
Macaamiishu waxay leeyihiin dabacsanaan ay ku isticmaalaan qaddarka oo dhan ama qayb ka mid ah. Hadhaaga hadha waxa lagu celin doonaa akoontada bangiga macmiilka. Ma jiro lacag adeeg oo dheeri ah oo lagu dabaqi karo isticmaalkeeda.
(Trustworthy)Bixiyeyaasha adeegyada kaadhka kreditka ee la aamini karo
Waxaa jira bangiyo badan oo bixiya adeegyada kaadhka (Services)deynta ee Virtual(Virtual Credit Card) . Bank of America iyo Citi waa ciyaartoyda ugu waaweyn ee bixiya kaararka deynta(Credit Cards) iyo sidoo kale kaararka deynta Virtual(Virtual Credit Cards) .
(Bank of America: )Bank of America: Bangigu waxa uu adeegan siiya isticmaalayaasha bangiyada online ka ahaan adeega ShopSafe ee xisaabaadka (ShopSafe)Visa iyo Mastercard kaliya. Sida caadiga ah, waxay soo saartaa nambarka kaararka deynta ee wax iibsiga ee internetka. Macaamiishu waxay leeyihiin dabacsanaan si ay u doortaan ansaxnimada tirooyinka gaari kara ilaa hal sano ugu badnaan waxayna xitaa u isticmaali karaan lacag-bixinno soo noqnoqda bishii. Waxay kaloo bixiyaan taariikhda dhicitaanka ku meel gaadhka ah ee lambarka koontada 16-ka ah iyo koodhka amniga ee ammaan dheeraad ah.
Citi : Waxa ay siisaa adeegan isticmaalayaasha Citi Mahadsanid(Citi Thank) iyo Kaarka La Doorbiday(Preferred Card) . Waxaa jira farqi yar oo u dhexeeya habka Bank of America iyo Citi uga shaqeeyaan kaararka deynta Virtual . (Virtual Credit)Nambarka kaadhka deymaha ee laga soo saaray Citi waxa loo isticmaali karaa hal baayacmushtar kaliya. Haddaba, haddii uu xataa tuuggu xado meel kale looma adeegsan karo. Xubnaha kaadhka ayaa codsan kara Citi inay siiso nambaro dheeraad ah ganacsatada kale. Waxaad u baahan tahay inaad hubiso in koontadaada ay u qalanto kaarka amaahda casriga ah.
EntroPay : Waa kan ugu caansan waqtigan kaararka casriga ah ee lacag bixinta caalamiga ah in kasta oo uu yahay ciyaaryahan cusub. Aad bay u fududahay in la helo kaadhka diyaarsan oo shan daqiiqo gudahood ah. Booqo mareegaha oo guji hadda bilow. Isdiiwaan geliyey adiga oo galaya faahfaahinta loo baahan yahay oo guji " Create your Entropay card ". Dooro lacagta aad la macaamilayso oo geli inta u dhaxaysa $5 ilaa $300. Kor-u-qaadkan, waa inaad bixisaa komishanka rarida sare oo dhan $4.95% wadarta lacag-kordhinta. Kaarkaagana wuxuu ku diyaarsan yahay shan daqiiqo gudahood! Waxaa intaa dheer, waxay aqbashaa inta badan kaararka adduunka oo dhan. Waxay leedahay saddex heer - Bilawga(Starter) , aasaasiga ah, iyo Premier oo leh xaddidnaanta qaddarka dib loo dallaci karo.
In kasta oo Entropay leeyahay guddi sare; ilaa hadda waa adeeg bixiyaha ugu kalsoonida badan uguna wanagsan ee kaararka kreditka ah.
kama dambaysta: (Final: )kama dambaysta(Final) waxay ahayd bilawga kaadhka kreditka ee uu hada helay Goldman Sachs . Ugu dambayntii waxa(Final) loo isticmaalay in lagu bixiyo nambarada kaadhka deynta ee la tuuri karo. Mid ka mid ah adeegyada, waxa la isticmaali karaa hal mar oo keliya, waxaana lagu tuuri doonaa si aan toos ahayn. Halka kaar kale lagu isticmaali karo hal baayacmushtar dhowr jeer.
Final hadda ma qaadanayo codsiyo cusub. Kaarka haystayaasha hadda jira waxa ay wax badan ka ogaan karaan kaadhkooda iyaga oo saxeexa akoonkooda GetFinal.com , ama iimaylka ugu soo dira [email protected]
Akhri(Read) : Sidee loo sameeyaa Lambarka Taleefoonka Virtual?(How to generate a Virtual Phone Number?)
Soosaarayaasha ku saleysan India(India-based issuers)
SBI VCC: Si aad u bixiso SBI Virtual Credit Card , gal akoonkaaga NetBanking. Kaararka farsamada gacanta ee bilaashka ah waxaa la soo saari doonaa inta u dhaxaysa INR 100 ilaa INR 50,000 . Kaadhku waxa uu shaqaynayaa ilaa hal macaamil ganacsi oo guuleysta ama ilaa 48 saacadood.
Waxa loo isticmaali karaa ujeeddo gudaha oo keliya. Bangigu wuxuu qoraal u soo dirayaa lambarkaaga mobaylka ee ka diiwaan gashan si uu u ansixiyo wax kala iibsiga. Si aad u abuurto kaadhka casriga ah ee SBI gal boggiisa oo gal(Log) . Guji(Click) kaarka e-card tab oo dooro kaarka deynta Virtual ee (Virtual Credit)SBI . Si fiican u akhri shuruudaha iyo shuruudaha oo guji ogolaan ka dibna soo saar. Xaqiiji faahfaahinta waxaana OTP lagu soo diri doonaa lambarkaaga gacanta. Kaarka waxa la soo saari doonaa xaqiijinta guulaysata.
HDFC NetSafe VCC: Waxay soo saartaa lambarka kaadhka farsamada adoo isticmaalaya kaarka deynta/debit-ka ee jira. Shaqadiisu waa 48 saacadood oo keliya. Kaarka deynta, 5 HDFC VCC ayaa la soo saari karaa maalin kasta. Waxaa loo isticmaali karaa goobta baayacmushtarka ee aqbala Mastercard/ Visa Card , taasoo ku siinaysa lacag-bixin online ah oo sugan.
Kotak Mahindra Bank Netcard: Waxay u shaqeysaa caalami iyo gudaha. Waxay shaqaynaysaa 48 saacadood oo keliya ama ilaa 1st macaamil ganacsi. Waxaad ka faa'iidaysan kartaa xarunteeda haddii aad hadda ama koontada kaydka ku leedahay bangiga Kotak Mahindra iyo haddii aad ka diiwaangashan tahay isticmaale bangi saafi ah. Halkan waxaa ah tillaabooyin fudud si loo abuuro Netcard :
Tag boggeeda oo gal akoonkaaga NetBanking . Guji (Click)[email protected] tab . OTP - ga waxa lagu soo diri doonaa nambarka gacanta ee diiwaangashan. Geli(Enter) qadarka kaarka farsamada oo guji OK. Kaarkaaga waa la sameeyay!
Wallet-ka Lime ee Bankiga Axis:(Lime Wallets of Axis Bank: ) Isticmaalayaasha Mastercard waxaa la siinayaa kaarka amaahda ee bilaashka ah ama kaarka wax iibsiga. Waxa loo isticmaali karaa ujeeddo gudaha oo keliya. Waxa kale oo ay leeyihiin qorshayaal ay ku xidhidhiyaan kaarka jirka ee jeebka si ay ugu fududeeyaan wax iibsiga dukaamada offline. Si aad u bilowdo isticmaalkeeda, soo deji App-ka Wallet Wallet(Wallet App) . Geli(Enter) faahfaahintaada si aad akoon u furto. Kadib samee VCC .
Jeebabka jeebka ICICI:(Pockets Wallet of ICICI: ) Qof kastaa wuu isticmaali karaa xitaa haddii aanay ahayn macaamiisha ICICI . Waxa kale oo ay haysataa ikhtiyaar ah in lagu xidho kaarka jirka iyo boorsada fududaynta lacag bixinta offline in kastoo aad u baahan tahay inaad bixiso khidmad sanadle ah taas. Waxay sidoo kale leeyihiin dalabyo wax iibsiga gaar ahaan isticmaalayaasha waqti ka waqti. Waxa kale oo ay fududaysaa in sanduuqa lagu wareejiyo xisaabaadka bangiyada kale iyadoo la isticmaalayo NEFT . Waxaa jira war sheegaya in ICICI ay dhawaan yeelan doonto xarun laamaheeda ICICI , si ay macaamiishu ugu shubaan lacagta caddaanka ah si ay ugu shubaan kaadhka fiisaha dal-ku-galka ah.
Haddii aad rabto inaad abuurto VCC khadka tooska ah ee ICICI si fudud u soo deji app boorsada jeebka oo dhagsii isdiiwaangalinta. Geli faahfaahinta oo guji is-diiwaangelinta oo la sameeyo. Kaarkaaga waa la sameeyay
Doorashada Kaarka Daynta Tooska ah ayaa lagula talinayaa haddii aad rabto in aad ilaaliso xadka kaadhka amaahda ee ay jabsadeen. Si kastaba ha ahaatee, xitaa Kaararka amaahda ee Virtual waxay halis u yihiin in lagu dhaqmo; inkastoo dhaawacu uu yaraan doono. Sidaa darteed, waa inaad tixgelisaa dhammaan khataraha ka hor intaadan iibsan.(Selecting a Virtual Credit Card is recommended if you want to protect your Credit Card limit being abused by hackers. However, even Virtual Credit Cards run the risk of being manipulated; though the damage will be minimum. Hence, you should consider all risks before buying.)
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