{"id":33026,"date":"2024-06-24T06:20:02","date_gmt":"2024-06-24T04:20:02","guid":{"rendered":"https:\/\/www.techopedia.com\/es\/?post_type=definition&#038;p=33026"},"modified":"2024-06-24T09:46:30","modified_gmt":"2024-06-24T07:46:30","slug":"tarjeta-credito-virtual","status":"publish","type":"definition","link":"https:\/\/www.techopedia.com\/es\/definicion\/tarjeta-credito-virtual","title":{"rendered":"Tarjeta de cr\u00e9dito virtual"},"content":{"rendered":"<h2><span id=\"que_significa_tarjeta_de_credito_virtual\">\u00bfQu\u00e9 significa tarjeta de cr\u00e9dito virtual?<\/span><\/h2>\n<p>Las tarjetas de cr\u00e9dito virtuales son tarjetas online que no son emitidas f\u00edsicamente por el proveedor de la tarjeta de cr\u00e9dito<strong>. Suele ser un servicio gratuito que presta el emisor original<\/strong> de la tarjeta a sus clientes que desean realizar un pago en l\u00ednea con la ayuda de sus tarjetas de cr\u00e9dito.<\/p>\n<p>Las tarjetas de cr\u00e9dito virtuales incluyen un n\u00famero de tarjeta de cr\u00e9dito de un solo uso creado por el proveedor de la tarjeta de cr\u00e9dito correspondiente.<\/p>\n<p>Normalmente,<strong> los n\u00fameros de tarjetas de cr\u00e9dito virtuales s\u00f3lo pueden utilizarse una vez<\/strong>, y pueden caducar en el plazo de un mes si no se utilizan. Esto ayuda a proteger al cliente de convertirse en v\u00edctima de un fraude con tarjeta de cr\u00e9dito en l\u00ednea.<\/p>\n<h2><span id=\"definicion_de_tarjeta_de_credito_virtual\">Definici\u00f3n de tarjeta de cr\u00e9dito virtual<\/span><\/h2>\n<p>Una tarjeta de cr\u00e9dito virtual es, de hecho, s\u00f3lo un n\u00famero de tarjeta de cr\u00e9dito.<strong> Los emisores de tarjetas virtuales suelen proporcionar un programa inform\u00e1tico que se instala en el ordenador del cliente.<\/strong> Este software ayuda al cliente a generar un n\u00famero provisional de tarjeta de cr\u00e9dito, vinculado a su n\u00famero permanente.<\/p>\n<p>El cliente <strong>puede utilizar este n\u00famero provisional para hacer compras en l\u00ednea.<\/strong> Este n\u00famero provisional no puede ser rastreado hasta la tarjeta de cr\u00e9dito original ni hasta la identidad del cliente. As\u00ed, los piratas inform\u00e1ticos o los comerciantes fraudulentos no pueden acceder a los datos confidenciales.<\/p>\n<p>Algunos factores cruciales de las tarjetas de cr\u00e9dito virtuales que las hacen \u00fatiles y seguras, si se usan correctamente:<\/p>\n<ul>\n<li>A los clientes se les permite un l\u00edmite de cr\u00e9dito m\u00ednimo y m\u00e1ximo por transacci\u00f3n cada d\u00eda.<\/li>\n<li>Las tarjetas de cr\u00e9dito virtuales s\u00f3lo son v\u00e1lidas durante un periodo de tiempo determinado, especificado por el emisor de la tarjeta.<\/li>\n<li>Por lo general, los clientes s\u00f3lo pueden realizar una transacci\u00f3n con una tarjeta virtual en la que pueden utilizar todo el saldo acreditado o una parte de \u00e9l.<\/li>\n<li>Si queda saldo en la tarjeta de cr\u00e9dito virtual, el importe se abona de nuevo en la cuenta original del cliente.<\/li>\n<li>Las tarjetas de cr\u00e9dito virtuales s\u00f3lo se emiten para el titular principal de la tarjeta, no para titulares secundarios.<\/li>\n<li>Si hay una transacci\u00f3n en la que el cliente tiene que mostrar la tarjeta de cr\u00e9dito original en la que se hizo el pago, las tarjetas virtuales son inutilizables.<\/li>\n<li>Dado que las tarjetas de cr\u00e9dito virtuales no son f\u00edsicas, es casi imposible clonarlas, lo que las hace muy seguras para todas las transacciones en l\u00ednea.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>\u00bfQu\u00e9 significa tarjeta de cr\u00e9dito virtual? Las tarjetas de cr\u00e9dito virtuales son tarjetas online que no son emitidas f\u00edsicamente por el proveedor de la tarjeta de cr\u00e9dito. Suele ser un servicio gratuito que presta el emisor original de la tarjeta a sus clientes que desean realizar un pago en l\u00ednea con la ayuda de sus [&hellip;]<\/p>\n","protected":false},"author":7813,"featured_media":0,"comment_status":"open","ping_status":"closed","template":"","format":"standard","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"definitioncat":[62],"class_list":["post-33026","definition","type-definition","status-publish","format-standard","hentry","definitioncat-internet"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.2 (Yoast SEO v24.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Para qu\u00e9 se usa una tarjeta de cr\u00e9dito virtual<\/title>\n<meta name=\"description\" content=\"Conoce el concepto y las principales especificaciones que tiene una tarjeta de cr\u00e9dito virtual del mundo online.\" \/>\n<meta name=\"robots\" content=\"noindex, follow\" \/>\n<meta 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