If you have long been frustrated by your PayPal account’s sending and receiving limits, inability to withdraw to your bank account, and restrictions on purchasing items that require verified accounts, you must have been lured into the pretentious gimmick of virtual credit cards or VCCs. VCC’s work just like a debit card, in a sense that they only have a few dollars of funding – enough to verify a PayPal account and once you’ve depleted the card’s funding, you can’t use them anymore. You’ll just have to purchase another one – which is a rip-off if you ask us.

While VCCs promise to ‘verify’ your account, that doesn’t necessarily imply that you’ll get all the features an actual bank-issued credit card and debit card gives you. Purchasing a VCC for $10-$12 (the usual market price) will get you hold of a temporary working VISA/MasterCard number and CVV. These are the two of the three things you will need to verify a PayPal account, actually. After you link the card to your account, you will need an Expanded Use or Expuse number that will be sent by PayPal to the VCC’s transaction history a couple of seconds after linking it to the account. The VCC seller will then give you the code and voila, you now have a verified PayPal account! This is where the actual pain in the neck begins.

First of all, PayPal does not endorse any third-party VCCs in any way and only advises its users to verify their accounts using a debit card or credit card backed up by a trusted financial institution, such as a bank. Secondly, PayPal routinely checks the existence of account-linked credit numbers in their system. Once your VCC expires or becomes obsolete, you will be prompted to link another working credit or debit card. Once PayPal finds out the VCC loophole you’ve partaken in, your account at the risk of being suspended. And, if you do get suspended, you can’t re-register using the same credentials until you file for an appeal. Lastly, nearly 80% of PayPal Checkout pages will require you to re-enter your credit card details if you’ve been suspected of using a VCC. Of course, once you enter the credit card details, you’ll be surprised to find out that the card number and CVV are not working anymore.

But if it’s any consolation for CVV shop users, they can still withdraw money into their bank accounts, provided they take the risk of getting their account probed thoroughly.