Melio allows vendors to receive their payments via a single-use virtual card.
The vendor or the payor can choose this delivery method. When this happens, it becomes your (the vendor’s) default method of receiving payment. So, every time a Melio user pays you, you’ll get paid with a single-use virtual card.
This article explains how to process a single-use virtual card and contains the following sections:
What’s included in a single-use virtual card
Single-use virtual cards look like any other credit card and include the following details:
- The 16-digit card number is automatically generated and can be processed like any other card-not-present transaction.
- Expiration date - set for 30 days from the payment day.
- 3-digit CVC number.
For your convenience, the full address of the card issuer appears on the card details page right below the single-use virtual card.
How to process your single-use virtual card
Processing a single-use virtual card is straightforward and works just like any other card transaction. You will receive an email with your single-use virtual card details.
Follow these steps once you receive the email:
1 - Select Get card details. You’ll be taken to Melio’s page with the full card details.
2 - Select Copy card number.
3 - Enter the 16-digit virtual card number into your existing point-of-sale (POS) terminal, just as you would with any standard card-not-present payment.
4 - Enter the amount.
❗Important:
- You can only process a single-use virtual card once, and it should be for the total payment amount. If you enter a partial amount, the action may look like it worked, but it will actually be declined. If this happens, contact our payments operations team at paymentoperations@melio.com.
- Use a POS terminal that can process credit card transactions. This can be a physical or virtual terminal that lets businesses process online or remote transactions without the actual card.
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If your card's POS terminal asks for your zip code, enter 10003.
That’s it. You completed a single-use virtual card payment.