Virtual Credit Card Services in Ukraine and Abroad

Digital technologies are rapidly changing our lives, and the financial industry is no exception. Due to the popularity of online payments, virtual credit cards are in demand as a convenient and safe method of payments. In Ukraine, such a product is used by freelancers, entrepreneurs, marketers and everyone who works with international services. Virtual card is an effective way to pay for subscriptions, order advertising, pay in stores without the need for a physical cards.

One of the most popular services to work with virtual cards there are Payoneer — an international payment platform that supports multi-currency accounts, direct payments from Amazon, Upwork and other platforms, as well as issuing virtual cards for convenient online payments.

What is virtual credit card?

Virtual credit card is a digital analogue of a regular bank cards, which exists only in electronic form. It has standard details (number, expiration date, CVV code) and can be used for online payments worldwide.

The difference between physical and virtual card

The main difference between physical and virtual card lies in their form. physical card is plastic for use in POS terminals and ATMs. Virtual exists only digitally, which limits its use online, but greatly increases security. If the data virtual cards will be compromised, fraudsters will not be able to use it in physical stores.

Sign	Physical Card	Virtual Card
Availability	Physical medium	Online Only
Using	Online + offline	Online payments
Release Time	5-10 days	Instantly after account verification
Security	Risk of loss	More secure for online payments

Debetova vs credit: explanation of terms

It is important to distinguish debit and credit cards, as they function according to different principles.

Sign	Debetova Card	Credit Card
Principle of Operation	Funds are debited from your own account.	Funds are provided by the bank on credit within the established limit.
Source of funds	Own funds on the account.	Loan funds of the bank.
Percentages	Usually absent (or minimal)	They are calculated on the used amount of the loan.
Commission	For service, cash withdrawal (possible).	For service, use of credit, overdue
Risk	Minimal, limited by own funds	Higher, related to the debt to the bank.

What advantages does it give virtual card for online payments

Virtual card can be both debit and credit, depending on the conditions of the issuing bank or payment platform. Virtual card offers a number of significant advantages, especially for those who actively conduct online transactions:

• Security. The absence of a physical medium makes loss or theft impossible. Some cards can be disposable, protecting your data as much as possible.
• Convenience. Setting up and using takes minutes. No need to wait for plastic to be delivered, perfect for freelancers or business people.
• Cost control. Ability to set limits on virtual cards helps to control the budget and avoid unauthorized write-offs.
• Multicurrency. Many virtual ones cards, including Payoneer, support operations in different currencies, which allows you to avoid unnecessary conversion fees for international transactions.

How to get virtual a card Payoneer?

In order to get a virtual credit a card Payoneer, several conditions must be met:

• Having an active Payoneer account. You must be registered in the system and have a fully verified account. The verification process usually includes providing identity documents (passport, ID-card), and proof of residential address.
• Compliance with activity criteria. Although the specific criteria may vary, this generally means that you must receive regular payments to your Payoneer account. Sometimes there may be a minimum threshold of funds received (for example, $100 in the last 6 months) for the order cards.
• Sufficient balance. To activate some cards may require a minimum balance in your account, although for virtual ones cards this is often not a hard requirement as they are tied to your current balance.

H3: How to check if it is available to you card

1. Log in to your Payoneer account.
2. Go to the section “Banks and cards» and select «Cards Payoneer».
3. If you see an “Order Now” button, select a type cards, currency and follow the instructions.
4. If not, a message will appear with requirements that have not yet been met.

Virtual card Payoneer is available in common currencies: USD, EUR, GBP, CAD, AUD, JPY. Multi-currency makes it possible to avoid additional fees for international transactions.

Security and control of spending through Payoneer account

We pay a lot of attention to security. Users virtual ones cards receive:

• Ability to freeze/thaw a card to temporarily block transactions.
• Detailed transaction history for budget control.
• Transaction alerts for immediate response to suspicious activity.
• Round-the-clock customer support.

Where to use virtual credit a card in Ukraine?

Although the Payoneer payment platform is primarily focused on international business operations, it also allows you to enjoy virtual card to pay for various goods and services in Ukraine. The list of such possibilities is quite large, and further we will consider in more detail where exactly you can pay virtual card Payoneer.

Online stores and services

Virtual card Payoneer accepted in many Ukrainian online stores that support Mastercard, for example:

• Rozetka, Prom.ua, Makeup.ua, Allo for buying appliances, clothes, cosmetics, gadgets.
• Online pharmacies, ticket services, marketplaces that accept payment in foreign currency.

⚠️ Please note: not all Ukrainian services can accept foreign ones virtual cards. Those that support payment in dollars or euros work best.

Online subscriptions and entertainment

Virtual credit card Payoneer is ideal for paying monthly or annual subscriptions to a variety of online services, making it an indispensable tool for those who actively use digital content:

• Streaming platforms: Netflix, YouTube Premium, Megogo, Sweet.tv — for watching movies, series and TV shows.
• Music services: Spotify, Apple Music, YouTube Music — for access to huge libraries of music without ads.
• Game services: PlayStation Plus, Xbox Game Pass, Steam. 
• Educational platforms: Coursera, Udemy, Prometheus — for online courses and acquiring new knowledge.

Business tools and online services

If you are a freelancer, marketer or project manager, virtual card Payoneer will help you pay:

• CRM systems: HubSpot, Pipedrive;
• Productivity tools: Notion, Trello, ClickUp;
• Email marketing: Mailchimp, GetResponse, Sendinblue;
• Video meetings: Zoom, Google Meet (via Google Workspace);
• Design and content: Canva Pro, Adobe Creative Cloud.

Receiving services abroad virtual a card Payoneer

Virtual credit card Payoneer is suitable for paying for a wide range of services and goods abroad, especially for those who are active in the international market or make purchases in foreign online stores.

Advertising platforms

For marketers and business owners who run advertising campaigns in the international market, the ability to pay for services directly with Payoneer is a big advantage. Our virtual card accepted on most leading advertising platforms:

• Google Ads: The world’s largest platform for contextual advertising, which allows you to place ads on the Google search network, on YouTube and other partner sites.
• Facebook Ads: An essential tool for targeted advertising on social networks Facebook and Instagram, which allows you to reach a huge audience by interests and demographics.
• TikTok Ads: A platform for advertising campaigns on the popular social network for short videos, ideal for promoting brands to a young audience.
• LinkedIn Ads: A professional advertising platform for businesses that allows you to target professionals and companies by industry, position, and skill.

Freelance and marketplace

The market for freelancing platforms is growing rapidly. According to the data The Business Research Company, its volume will increase from $7.33 billion in 2024 to $8.39 billion in 2025, showing a compound annual growth rate (CAGR) of 14.5%. Such growth leads to the need for convenient withdrawal of funds from the most popular platforms.

Virtual credit card greatly simplifies operations with:

• Amazon: The world’s largest online retailer.
• eBay: Global auction and marketplace.
• Fiverr: Popular marketplace for freelancers.
• Upwork: One of the largest platforms for finding freelancers. With Payoneer you can easily withdraw funds from marketplaces.

SaaS subscriptions and hosting

Virtual card is an ideal tool for paying for software as a service (SaaS) and hosting services, which are essential for many online businesses and web projects:

• Adobe Creative Cloud: A set of professional tools for design, video editing and photo processing (Photoshop, Illustrator, Premiere Pro).
• Canva: Popular online editor for creating graphic design and presentations.
• Semrush, Ahrefs: Tools for SEO analysis, keyword research and competitor analysis.
• Namecheap, Hostinger: Well-known providers of domain names and hosting.

Cloud services

Payment for cloud services is another important area of ​​application virtual cards Payoneer, providing access to scalable and flexible infrastructure solutions:

• Amazon Web Services (AWS): Global cloud platform.
• Google Cloud: A set of cloud services from Google.
• Dropbox: A popular cloud service for storing files. 

Using virtual cards for these international services allows you to avoid unnecessary fees and ensures fast and secure transactions, which is critical for working in the global market.

Important limitations and advice

Despite the convenience, when using virtual cards Payoneer should consider several nuances:

• Not all sites support payment without 3D Secure (SMS code)
  Some online stores or services may require confirmation via SMS. Because virtual card is not always associated with a Ukrainian phone number for receiving SMS, difficulties may arise. Always check payment requirements.
• Pay in currency cards, to avoid conversions
  If your virtual card issued in USD, it is better to pay in dollars. When paying in another currency, an additional conversion fee may apply. Consider creating separate virtual ones cards for different currencies.
• physical card will come in handy for traveling or withdrawing cash
  If you often travel, work abroad or withdraw cash from ATMs, it is better to issue a physical a card Payoneer. It is supported in the global network of Mastercard ATMs.

🧠 Lifehack: For most online payments, this is enough virtual cards. Physical a card can be ordered later — after passing the verification and receiving the first payments.

Alternatives to Payoneer (and why Payoneer is more profitable)

In today’s market, there are several international financial services that offer multi-currency cards and transfers. Here’s a quick comparison:

Service	Advantages	Disadvantages
Payoneer	Multi-currency and direct payments	There may be service fees (in case of inactivity)
	Extensive integration with freelance exchanges and marketplaces	Not always suitable for small transfers between individuals
	The possibility of ordering physical and virtual cards
Wise (formerly TransferWise)	Low fees for international transfers	Possible restrictions on receiving payments from certain platforms
	Favourable currency exchange rate	Lack of direct integration with all marketplaces
	Availability of multi-currency accounts
Revolut	Wide range of banking services (investments, cryptocurrency)	Commissions for large volumes of free transfers
	Convenient mobile application	There may be restrictions for Ukrainian users in full functionality
	Favorable exchange rates
Monobank	Convenient mobile banking for Ukraine	Limited functionality for international transactions and receiving income
	Free service cards	Focus on the domestic market of Ukraine
	Simple registration	It is not a full-fledged international payment platform

Detailed comparison:Wise vs Payoneer: How much does it cost and how to sign up in 2025? and Wise vs Revolut vs Payoneer: what to choose for business transactions abroad?

Advantages of Payoneer: multi-currency, partnership with platforms, direct payments from eBay and Amazon

Payoneer is a reliable choice because of:

• Multi-currency and local details: Receive payments as if you had a local bank account.
• Broad partnership with platforms: Direct payments from Upwork, Fiverr, Amazon, eBay, Google, Facebook accelerate the receipt of funds.
• Facilities for small and medium-sized businesses: Automation of payments, sending of invoices, mass payments.
• Competitive exchange rates: More favorable rates than in traditional banks.

These factors make Payoneer the leading solution for Ukrainians working in the international market.

Results

Why virtual card — it’s convenient, safe and profitable

Virtual card — an indispensable tool for online transactions. Its convenience in instant registration, security in the absence of a physical medium, benefit in multi-currency and minimization of commissions.

How Payoneer gives Ukrainian sellers and freelancers access to the global market

Payoneer gives Ukrainian sellers and freelancers access to the global market, providing a simple and reliable way to receive payments from customers around the world. Thanks to partnerships with Amazon, eBay, Upwork, Fiverr and advertising giants, Ukrainian specialists are easily integrated into the global economy.

Simple action: how to start using today

Start using virtual credit card Payoneer very simple: register an account, go through verification and order a card. It usually takes a minimum of time, after which you can get all the benefits of international online payments while focusing on your business.

FAQ block: Frequently asked questions (FAQ)

Is there virtual credit card full-fledged replacement of ordinary banking cards?

Virtual card is a complete replacement for online payments, but cannot be used for cash withdrawals from ATMs or payments through physical POS terminals. You will still need a physical card for offline payments and cash withdrawals card.

What is the validity period virtual cards and how to update it after completion?

Virtual cards Payoneer have an expiration date that is specified in your account. After the expiration date, you can order a new one virtual a card through your Payoneer personal account, subject to meeting the activity criteria.

Can you have more than one? virtual ones cards in one account?

Yes, Payoneer allows multiple releases virtual ones cards in different currencies in one account. This is convenient for splitting expenses or working with different currencies without unnecessary conversions.

Can you connect virtual a card to Apple Pay or Google Pay?

So, virtual and physical cards Payoneer can be added to Apple Pay and Google Pay, enabling contactless payments and online purchases through these services. This capability is gradually expanding, but there may be some limitations depending on the type cards or region. We recommend checking the current information in your Payoneer account or support site for details.

Do Ukrainian banks support withdrawal of funds from Payoneer via virtual a card?

Withdrawal of funds from Payoneer to Ukrainian bank accounts is carried out through a direct bank transfer, not through virtual a card. Virtual card intended for online payments, not for withdrawing funds to bank accounts.

What is the fee for converting currencies into hryvnias when paying?

When paying virtual card Payoneer in non-currency cards (for example, hryvnia), a conversion fee is applied. Its size depends on the type of transaction and the current Payoneer exchange rate, but is usually around 0.5-3% of the transaction amount.

What to do if the payment does not go through on the Ukrainian website?

If the payment virtual card Payoneer does not work on the Ukrainian site, this may be due to the fact that the site does not support international ones cards or requires 3D Secure confirmation via SMS. Try another payment method or contact the site’s support service to clarify the reasons.

Does Amazon / eBay / Etsy accept virtual cards as payment method?

Yes, Amazon, eBay, and Etsy usually accept virtual cards as a payment method, as they function as normal cards Visa/Mastercard for online transactions. However, in order to receive payouts from these platforms on Payoneer, you need to set up direct integration or use local bank details provided by Payoneer.

Are there payment restrictions in the US, EU or Canada?

Payment restrictions virtual card Payoneer in the US, EU or Canada are minimal and mostly depend on the policy of the specific seller or service. Usually, card accepted wherever Visa/Mastercard international payments are supported, but transaction limits may be imposed by Payoneer.

What to do if a card hacked or debited from it?

In case of unauthorized withdrawals or suspected crime, freeze yours immediately virtual a card through a Payoneer account. Then contact Payoneer support immediately to investigate the incident and issue a refund.