Getting a virtual card can be a game-changer for online shopping, enhancing your security and giving you more control over your spending. If you're a Truist customer, you're in luck! Truist offers solutions that can provide you with the benefits of a virtual card. Let's dive into how you can leverage Truist's offerings to get a virtual card experience.
Are you ready to revolutionize your online spending? If the thought of enhanced security, easy tracking, and greater control over your transactions excites you, then getting a Truist virtual card is your next step! This comprehensive guide will walk you through the process, ensuring you're well-equipped to manage your digital payments like a pro.
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| How To Get Truist Virtual Card |
Understanding Truist's Virtual Card Offerings
It's important to note that Truist primarily facilitates virtual card functionality through its integration with popular digital wallets like Paze℠, Apple Pay, Google Wallet, and Samsung Pay. While Truist doesn't issue a standalone "virtual card" with unique numbers generated on demand for single use, these digital wallet integrations offer very similar benefits and are how Truist enables a virtual card experience. For businesses, Truist offers "ePayables Virtual Credit Card Solutions," which provide similar benefits but are tailored for commercial use. This guide will focus on the consumer-facing virtual card experience via digital wallets.
Step 1: Ensure You Have a Truist Account and Online Banking Access
Before you can set up any digital wallet or leverage Truist's virtual card capabilities, you need to be a Truist customer with an active account and access to their online banking platform.
1.1. Confirm Your Truist Account Status
If you already have a Truist checking, savings, or credit card account, you're off to a great start! If not, your first step is to open one. Truist offers various accounts, so choose one that best fits your financial needs.
1.2. Enroll in Truist Online Banking (If You Haven't Already)
Truist's online and mobile banking platforms are the central hubs for managing your accounts and setting up digital wallet functionalities.
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- Accessing Online Banking: Visit the official Truist website and look for the "Sign In" or "Enroll Now" option. You'll typically need your account number and some personal identifying information to set up your online banking profile.
- Downloading the Mobile App: For even greater convenience, download the Truist Mobile App from your smartphone's app store (available for iOS and Android). This app provides a seamless experience for managing your finances on the go. You'll use your online banking username and password to log in.
Step 2: Activate Your Physical Truist Card (If Applicable)
If you've recently opened a new account or received a new debit/credit card from Truist, it's crucial to activate the physical card first. While you'll be using digital versions, these virtual representations are linked to your underlying physical card.
- Through Online Banking: Sign in to your Truist online banking account and look for an option to activate your debit or credit card.
- Via Phone: You can also activate your card by calling Truist's automated system at 800-963-2262.
- Using the Mobile App: Once logged into the Truist Mobile App, you'll likely find a prompt or option to activate your new card.
Step 3: Add Your Truist Card to a Digital Wallet
This is where you gain the "virtual card" functionality. Truist supports several popular digital wallets, offering you flexibility.
3.1. Choosing Your Digital Wallet
Truist integrates with:
- Paze℠: A convenient online checkout experience offered by Truist.
- Apple Pay: For iPhone, iPad, Apple Watch, and Mac users.
- Google Wallet: For Android devices.
- Samsung Pay: For Samsung devices.
Consider which digital wallet aligns best with your devices and existing payment habits. Paze is a newer option specifically designed for online checkout.
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3.2. Steps to Add Your Card (General Guide)
While the exact steps might vary slightly depending on the specific digital wallet, the general process is as follows:
For Paze℠ (Truist's Recommended Online Checkout Solution):
- Sign in to Truist Online Banking or Mobile App: Navigate to the "Card Controls" section.
- Select Your Eligible Card: Choose the personal debit or credit card you wish to add to Paze.
- Choose "Digital Wallet" then "Paze": You'll see options for digital wallets connected to your Truist online banking.
- Accept Terms and Conditions: Review the Paze Service Agreement and accept to continue.
- Activate Your Wallet: Follow the on-screen prompts to activate your Paze wallet.
- Confirmation: You'll receive a confirmation, and your eligible cards in your wallet will be set to activate. You can toggle them off if you wish to remove them.
For Apple Pay:
- Open the Wallet App: On your iPhone, iPad, or Apple Watch.
- Tap the '+' Sign: Located in the upper right corner.
- Choose "Credit or Debit Card": Then tap "Continue."
- Scan Your Truist Card or Enter Details Manually: Follow the prompts to add your card.
- Verify and Complete: You may need to verify your card through a text message or a call to Truist.
For Google Wallet:
- Open the Google Wallet App: On your Android device.
- Tap 'Add to Wallet': Usually found at the bottom of the screen.
- Follow Instructions: Enter your card details or scan your card.
- Verify Your Card: Complete any verification steps required by Truist.
For Samsung Pay:
- Open Samsung Pay App: On your Samsung phone.
- Tap 'Menu' then 'Cards':
- Tap 'Add card' (blue +card icon): Then select 'Add credit/debit card'.
- Register Your Card: Follow the instructions to add and verify your Truist card.
Step 4: Utilize Your Virtual Card for Secure Transactions
Once your Truist card is successfully added to your chosen digital wallet, you're ready to start using it as a virtual card!
4.1. Online Purchases
- When checking out online, look for the digital wallet payment options (e.g., "Pay with Paze," "Pay with Apple Pay," "Google Pay," "Samsung Pay").
- Selecting these options will typically prompt you to confirm the purchase using your device's security features (Face ID, Touch ID, or PIN).
- With Paze, merchants can often find your Paze wallet automatically when you enter the email address associated with your Truist account. You'll complete a one-time verification with each retailer.
4.2. In-Store Purchases (Contactless)
- For in-store purchases, look for the contactless payment symbol (four curved lines).
- Simply hold your smartphone or smartwatch near the payment terminal.
- Confirm the purchase with your device's security features.
Step 5: Manage Your Virtual Card (via Card Controls)
One of the most significant advantages of a virtual card (enabled through digital wallets) is the enhanced control you gain. Truist's "Card Controls" feature, available in both online banking and the mobile app, allows you to manage your cards effectively.
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5.1. Accessing Card Controls
- Mobile App: Tap the "Main Menu" and choose "Card Controls."
- Online Banking: Look for the "More" tab and select "Card Controls," or go to "Profile & Settings" by clicking on your username, then "Accounts & Cards," and finally "Card Controls."
5.2. Key Management Features
- Lock and Unlock Your Card Instantly: This is a fantastic security feature. If you misplace your card or suspect unauthorized activity, you can lock it immediately to prevent new purchases. You can unlock it just as easily when you're ready to use it again.
- Set Spending Limits: While not a "per-transaction" virtual card limit like some dedicated services, you can set overall spending limits for your debit and credit cards. This helps you manage your budget and prevent large unauthorized transactions.
- Control Transaction Types: You can prevent certain types of transactions, such as digital wallet purchases (though this would defeat the purpose of getting a virtual card), ATM transactions, online and phone purchases, and even international transactions.
- Set Region Limits: Restrict where your card can be used geographically, adding another layer of security.
- Customized Alerts: Set up alerts for various account activities, including daily balances, low balances, user ID changes, and transactions above a designated amount. This helps you stay informed and quickly identify any suspicious activity.
Benefits of Using Truist's Virtual Card Functionality
- Enhanced Security: When you use a digital wallet, your actual card number isn't transmitted to the merchant. Instead, a unique, encrypted token is used, significantly reducing the risk of fraud if a merchant's system is compromised. Paze, for instance, uses a one-time transaction code.
- Convenience: Make fast and easy payments online and in stores without needing to carry your physical card or manually enter card details.
- Control: Truist's Card Controls offer powerful tools to manage how and where your card is used, giving you peace of mind.
- Tracking: All transactions made through your digital wallet will still appear on your Truist account statements, making it easy to track your spending.
- Rewards: You continue to earn any rewards associated with your Truist credit card when using it through a digital wallet.
By following these steps, you'll be well on your way to enjoying the security and convenience of a virtual card experience with Truist.
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10 Related FAQ Questions
How to check my Truist virtual card balance?
Your virtual card balance is directly linked to the balance of the underlying Truist debit or credit card account. You can check your balance anytime by signing in to your Truist online banking or mobile app.
How to set spending limits on my Truist virtual card?
While you can't set a unique limit per virtual card instance, you can set customizable spending limits for your underlying physical debit or credit card through Truist's "Card Controls" feature in the mobile app or online banking. This applies to all transactions made with that card, including those through digital wallets.
How to report unauthorized transactions on my Truist virtual card?
If you suspect unauthorized activity on your account, report it immediately to Truist by calling 844-4TRUIST (844-487-8478) and selecting option 1, then option 4 for fraud. You can also lock your card instantly using the "Card Controls" feature in your Truist mobile app or online banking.
How to add my Truist virtual card to another digital wallet?
The process for adding your Truist card to another digital wallet (e.g., if you initially set up Paze but now want to use Apple Pay) is similar to the initial setup. Simply open the desired digital wallet app (Apple Wallet, Google Wallet, Samsung Pay), look for the "add card" option, and follow the prompts to add your Truist debit or credit card.
QuickTip: Slow down if the pace feels too fast.
How to remove my Truist virtual card from a digital wallet?
To remove a Truist card from a digital wallet, open the specific digital wallet app on your device (e.g., Apple Wallet, Google Wallet, Samsung Pay, or within Truist's Card Controls for Paze), select the Truist card, and look for an option to "remove" or "delete" the card.
How to get a new virtual card number if my current one is compromised?
Since Truist's virtual card functionality is tied to your physical card through digital wallets, you don't "get a new virtual card number" in the traditional sense. If your underlying physical card number is compromised, you would need to contact Truist to request a new physical card. Once you receive the new physical card, you would then add it to your digital wallets again.
How to use Truist virtual card for recurring subscriptions?
For recurring subscriptions, you can typically use the digital wallet option if the merchant supports it. For Paze, once you've initially verified your Paze wallet with a merchant, your information will be saved for future checkouts. Otherwise, you would input your physical card details directly into the merchant's system for recurring payments.
How to see my Truist virtual card transactions?
All transactions made using your Truist card, whether via the physical card or through a digital wallet (virtual card), will be visible in your Truist online banking and mobile app. You can view your transaction history within your account details.
How to activate Paze for my Truist account?
You can activate Paze easily from your Truist online banking or mobile app. Navigate to the "Card Controls" screen, select "Digital Wallet," then choose "Paze." Follow the prompts to accept the terms and conditions and activate your wallet.
How to contact Truist customer service for virtual card issues?
For any issues related to your Truist accounts or digital wallet integrations, you can contact Truist customer service at 844-4TRUIST (844-487-8478). For online and mobile banking specific issues, you can call 888-228-6654.
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