Virtual Credit Card (VCC) is a derivative of credit card system, and it is a digital payment tool, which can be simply understood as an electronic credit card.

the virtual card has the same function as the physical bank card, and also has the basic card information such as independent 16-digit card number, expiration date and CVV, and it is organized by Visa, Mastercard and other cards for unified clearing, supporting online payment in various scenarios, which can be said to be very convenient for international business and cross-border transactions. At present, many cross-border payment service providers provide virtual credit card (VCC card) services, such as PhotonPay.