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Personal Banking > Bank Accounts > Managing Your Bank Accounts > Payment Services > Virtual Visa Debit > Frequently Asked Questions

RBC Virtual Visa Debit: Frequently Asked Questions

Expand What is RBC Virtual Visa Debit?

Expand Where can RBC Virtual Visa Debit be used?

Expand What is the difference between RBC Virtual Visa Debit and my RBC Royal Bank Client Card?

Expand Does RBC Virtual Visa Debit replace my RBC Royal Bank Client Card?

Expand Am I able to choose to pay for online purchases by either RBC Virtual Visa Debit or INTERAC Online?

Expand Is RBC Virtual Visa Debit a combination of a debit card and a credit card?

Expand Why is it called RBC Virtual Visa Debit?

Expand Is RBC Virtual Visa Debit safe?

Expand What are the eligibility requirements for an RBC Virtual Visa Debit Number?

Expand How can I request a RBC Virtual Visa Debit Number? Is there an application form to fill out?

Expand What are the fees associated with RBC Virtual Visa Debit?

Expand Which account is debited when I make a purchase using my RBC Virtual Visa Debit Number?

Expand Are there daily spending limits when using my RBC Virtual Visa Debit Number?

Expand Can I use RBC Virtual Visa Debit for purchases other than online purchases?

Expand Can I use RBC Virtual Visa Debit to set up recurring payments?

Expand What if I have a problem cancelling a recurring payment that I set up using my RBC Virtual Visa Debit Number?

Expand Why don’t I have a PIN for my RBC Virtual Visa Debit Reference Card?

Expand My card has a Visa logo on it. Does this mean it’s a Visa credit card?

Expand Can a RBC Virtual Visa Debit Number be joint with my spouse?

Expand Sometimes when I use my RBC Virtual Visa Debit Number for a purchase, there are multiple debits and credits posted to my account for a single purchase. Why is this?

Expand When I look at my account statement or transaction history online, how can I tell the difference between a new purchase and an adjustment to a previous one?

Expand What happens if I receive only a partial shipment of my online purchase? Do I pay for the entire order at the same time?

Expand What happens if I cancel an online order?

Expand Can RBC Virtual Visa Debit be used for Hotel Reservations or at Car Rental Agencies?

Expand Can I use my Virtual Visa Debit Number for free trials on the internet?

Expand My RBC Virtual Visa Debit purchase was declined. Why?

Expand The merchant is asking for a CVV2/CVC2/CID/Security Code — Where do I find it?

Expand I am trying to make a payment using my RBC Virtual Visa Debit Number but the merchant doesn’t have Visa Debit as a payment option. What should I do?

1) When you use RBC Virtual Visa Debit for a transaction in a currency other than Canadian dollars, we will convert the transaction amount into Canadian dollars at an exchange rate that is 2.5% over a benchmark rate Royal Bank of Canada pays on the date of the conversion. If the merchant gives you a credit voucher or refund for a transaction in a foreign currency, the debit and the subsequent credit will not exactly balance because of exchange rate and currency fluctuations

2) Debit transactions made using your RBC Virtual Visa Debit Number do not count against any monthly transaction limits applicable to your personal deposit account. Other account fees may apply. Please see the RBC Royal Bank Disclosures and Agreements related to Personal Deposit Accounts booklet or other applicable account agreement for further details.

3) When you use Virtual Visa Debit to make a payment: 1) the funds will be debited from your banking account. This is the account you access with your RBC Royal Bank Client Card when you select the “Chequing” option on a merchant payment terminal or at an automated teller machine. 2) The merchant performs an authorization on your account at the time of the purchase and the charge is immediately debited from that account. In some cases, merchants may need to adjust the authorization amount. Should this occur, a credit adjustment in the amount of the original authorization will be credited to your account, followed immediately by a debit adjustment that reflects the final transaction amount. Please refer to the RBC Royal Bank Virtual Visa Debit Agreement (opens PDF in new window) for further details.

 

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