Masked Payments
Shop without worry
Pay with a virtual card so merchants never see your real card. Load what you need, freeze or close anytime. Pro can reload that same card. US only.
Your Virtual Card
Locked & Protected
Ivy Virtual
4829 2741 0936 8203
Expires
04/29
CVV
•••
Loaded
$250
This is a demo. Sign up to create real virtual cards.
Why Virtual Cards Matter
Your real card number is at risk every time you shop online.
Security
Generate unique card numbers for every purchase. If a merchant gets breached, your real card is never exposed. Cancel any virtual card instantly with one click.
Privacy
Merchants never see your real card details. There is one kind of card: you load funds onto it. Pro can reload that same card later.
Control
Load only what you need onto each card — that balance is the spending limit. Freeze or close a card instantly. Your real card stays out of the merchant’s hands.
How it works
Three steps to safer payments.
STEP 01
Create Virtual Cards
Generate a virtual card and load what you need for this purchase. One card — not two types. Pro can reload that same card later.
STEP 02
Shop Securely
Use your virtual card at checkout just like any other card. The merchant processes the payment normally but never sees your real card details.
STEP 03
Stay in Control
Monitor transactions in real time. Freeze or close any card instantly. A merchant can only charge up to what you loaded — that balance is the limit. Your real card stays completely protected.
$32B
Fraud Losses
1.6B
Breached Cards
50K+
From the team behind IronVest
1.5M+
Cards Created
Frequently Asked Questions
Everything you need to know about virtual cards.
How many virtual cards can I create?
With Ivy Free, you can have 3 active virtual cards. With Ivy Pro, you can have 12 active cards and create up to 4 new cards per month. Closing a card frees a slot. Pro can also reload an existing card.
Are there fees for using virtual cards?
When funding with a credit or debit card, a fee of $0.30 + 2.9% of the deposit amount applies. Bank account (ACH) funding has no fees for both Free and Pro plans. If you close a card and refund the remaining balance to a credit/debit card, the fee of $0.30 + 2.9% is not refunded.
Can I use virtual cards anywhere online?
Yes! Virtual cards work at any online merchant that accepts card payments. Simply enter the virtual card details just like you would with a regular card during checkout.
What happens if a virtual card is compromised?
That's the beauty of virtual cards! If one is compromised in a data breach, simply disable or delete that specific virtual card. Your real card information remains safe, and you can create a new virtual card instantly without disrupting your other cards or accounts.
Can I set spending limits on virtual cards?
The spending limit on a virtual card is the amount you loaded onto it. A merchant can only charge up to that balance — there isn’t a separate credit-style limit to configure. You can freeze or close a card at any time.
From the team behind IronVest.
Track record from the IronVest consumer app — Ivy is the next product from the same team.
50K+
People protected
2M+
Threats blocked
4.8
IronVest App Store
99.9%
Uptime
From the team behind IronVest
Pay without
risk.
Load a virtual card, check out, freeze or close anytime. Pro can reload that same card. US only.
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