Usevirtual mapMutual Creditgreatly facilitates online procurement management. Thanks to the generation of a temporary number for each payment, you keep your hands on your transactions while effectively protecting your main card against frauds simple, fast, unsurprisingly cost-effective and accessible to both families and professionals sensitive to the security of their payments on the internet thanks to the innovative tools of Crédit Mutuel.
Virtual Credit Mutuel card: the simple solution to secure online shopping
In less than a minute, learn how to activate and use your Virtual Credit Mutuel card to pay over the internet, without ever disclosing your real card number. This free service, available in your customer area or via the app, allows you to generate a temporary number for each purchase or subscription. Whether Payweb Card or Virtualis, the concept remains unchanged: you are protected from fraud and management remains relatively intuitive, even for a neophyte.
Familiar anecdote: more than80%users adopt this service for their regular payments from the first month simply because creating a virtual number via the application requires less than2 minutes. Why hesitate, especially when you know that all this is free of additional costs for holders ofcredit card ?
What is a Mutual Credit virtual card?
What is a virtual card and how do you use it in practice? For many people, having to confide their physical card number on the Internet is a real source of stress and given the rise in fraud, we understand why.
The virtual card, also referred to as "temporary card number", allows the creation of a unique code for each online transaction, distinct from your actual credit card. This number automatically expires (often at the end of the following month, depending on the service chosen) and its use may be limited to a specific amount or duration. On the Credit Mutuel side, there are two main choices: Payweb Card and Virtualis.
Good to know: it is possible to have up to5 simultaneous numberswith Payweb Card, each set according to your context which allows some customers to juggle serenely between different uses, without multiplying risks or constraints.
The different offers: Payweb Card, Virtualis...
Not obvious to see it clear at first glance! At Crédit Mutuel, there are two major formulas: Payweb Card and Virtualis, each with specific management and usage characteristics.
Payweb Card : For one-time payment or simplified subscription
Payweb Card allows the generation of a single number for each transaction, with the possibility to associate it with a subscription while limiting the amount or duration. By opting for the Multiple mode, the ceiling rises to300 €maximum: a threshold often considered adapted by users for their regular online purchases or some recurring subscriptions. For validity, it usually takes place until the expiration date of your actual card or the end of the following month depending on your choice, which remains very flexible.
Virtualis : Mobile and multi-use format
Virtualis is particularly popular with those who appreciate the comfort of the mobile or web app. It offers a flexible management of several numbers, and allows to activate or suspend a number in real time, for example if you suspect a problem: some banking experts note that this arrangement reassures both families and independents who delegate professional purchases on a daily basis.
- Until5 active numberssimultaneously and oneceiling of 300 €for Payweb Card; time adjustable according to your needs
- Multi-user management and express creation/deletion for Virtualis: convenient to adapt to the evolution of a subscription or e-commerce service
The choice depends mainly on your profile: a parent who regularly makes purchases for his or her children, an independent who manages software in the form of subscription, or simply someone who wants to keep control over his or her online transactions... To each his best option! (A security trainer recently mentioned that he frequently advised Virtualis to his clients who were used to juggling with several parallel services. )
| Function | Payweb Card | Virtualis |
|---|---|---|
| Max | 300€ | According to physical map |
| Numbers | 5 | Variable, according to settings |
| Subscription use | Yes | Yes |
| Validity | Next month end | Until expiry physical map |
| Mobile activation | Yes | Yes |
| Immediate stop | Yes | Yes |
Enable and use your virtual card
Activation, management, stop: everything has been thought so that it remains simple in everyday life. We sometimes wonder if the process is complicated... According to the feedback from regular customers, the essential is in the clarity of the interface. Here are the essential steps, which many households and SMEs already validate on a daily basis.
Step-by-step procedure – activation and use
Initial activation is done from your customer area Credit Mutuel or via the mobile app. The classical process usually consists of:
- Space connection Personal Mutual Credit
- Navigation in the "Maps" section, then choose between "Payweb Card" or "Virtualis"
- Creation of the virtual number: definition of the amount and validity
- Validation via a strong authentication system (secret code, mobile validation, etc.)
- Number generated to copy-paste to finalize an online purchase
According to some returns collected from users, the average time to generation of a virtual number remains less than2 minutes, and the confirmation of the transaction is on track. Can't be more efficient!
Manage ceilings, durations and number shutdowns
You choose the amount and duration dedicated to each number according to your need at the moment. For example, Lena plans to purchase educational tools for a total of95 €, while Eloïse sets up a virtual card at100 €valid one week after which, no unauthorized payment risk. One bank advisor said that this setting is increasingly being requested, especially for digital subscriptions.
The immediate stop via the app or the customer site also democratizes, especially among the independents who wish to interrupt a software subscription in a few seconds, without touching their main card. Practical and reassuring when it is necessary to act without delay (you have already found yourself in this situation?).
Enhanced security and risk management
The virtual card acts as an effective barrier against fraud: it hides your real number and reduces the risk of unexpected debit. If there is any doubt, just delete the relevant number with one click. It should be noted that Crédit Mutuel also applies strong standards in securing strong authentication to GDPR compliance, so that your data management is taken seriously as soon as the temporary number is generated.
Safety arrangements and stopping procedure
The schemes incorporate the latest security requirements (European regulations)PSD2) via secret code, mobile validation, or personal key card depending on the setting. This dual security has a direct effect: some cybersecurity professionals claim that the risk of fraudulent use is significantly reduced. In case of concern or suspicion, the removal of the virtual number is instant a real gain of serenity for the prudent user.
- Automated expiration according to your settings, to reduce forgetfulness or the risk of bounceback
- Block targeted on the virtual card, leaving your physical card fully operational
- Quick assistanceby telephone or chat, including during a trip or unexpected incident
According to the most recent observations, this type of solution reduces the65 %fraud attempts reported by regular clients. Some travellers wonder: is it usable abroad? The answer is yes in the majority of cases Crédit Mutuel virtual cards operate on most international trading sites, according to the policies of each e-commerce.
To compare solutions, find out howe Caisse d'Epargne card allows you to pay online safelywith similar features.
Frequently asked questions and examples of use
Who doesn't have a few questions when switching to a new digital solution? Here are proven answers from customer exchanges and Crédit Mutuel support.
FAQ Virtual card Credit Mutuel
- Virtual card activation?: All steps are made from the customer space or application, no need to go through the agency once the actual card is activated.
- Differences between Payweb Card and Virtualis?: The flexibility of management, the number of numbers and the ease of the mobile or web interface make all the difference; the summary table helps you decide according to your usages.
- Free service?: Absolutely, this is a feature offered to all holders of a Mutual Credit card, without any extra cost.
- Use for subscriptions?: Of course, simply generate a "multi-payment" number, adjusted to the amount and validity sought.
- Stop a virtual number?: Disabling is done at a glance on the app or site, without affecting your physical card or other ongoing operations.
- Payweb Card Ceiling?: Until300 €per number (multimode),5 active numbersto meet most of the common uses.
- Help in case of trouble?: Easy support via chat, hotline or online form, deemed reactive after many user feedbacks.
Daily scenario: Mathis renews a streaming subscription to12 €/month, while Éloïse programs a Payweb Card number to cancel this payment after a year if he wishes. If necessary, the block takes less than30 secondsfrom the mobile, which simplifies management over hazards.
Good news: for each situation, a detailed step-by-step guide is included in the Credit Mutuel app, and the specialist advisors remain available even on Sundays, including for specific or unforeseen questions.
User scenarios and customization
The principle has been designed to adapt in all circumstances – a parent who monitors the expenses of his or her children, a small business that manages his or her software purchases or a senior who prefers personalized accompaniment find a way to benefit from it.
Signs that this changes habits: the first generation of virtual number leaves a strong impression of control (and relief) for many users. This simple gesture has, it must be said, altered the way some families manage their budget online... and we no longer hesitate to share the right plan around you!
Good to know
I recommend that you take advantage of the visual resources, the reactive telephone support and the PDF activation guide that remain permanently available in your customer area. No need to be a confirmed technophile: everything is illustrated step by step, adapted to the level of each audience.
A customer relationship manager recently confided that even seniors appropriate the service without difficulty, including at their very first online purchase.