The popularity of virtual cards is rising fast. By early 2026, there were 2.3 million virtual cards in the country, a 24.6% increase from the previous year.
Bank expert Emin Karimov says virtual cards have no risk of physical theft. They exist only in digital form and are used via mobile apps.
Expert Ismail Mammadov emphasizes: Virtual cards are created using tokenization technology and keep main card details hidden.
Virtual cards are most commonly used for shopping on foreign websites, subscription payments, and advertising costs.
Experts recommend 3 golden rules: use a separate card for each purpose, do not keep large amounts on the card, and delete the card if suspicious.
Global payment giants Visa and Mastercard report an increase in virtual card transactions.
