Questions about virtual cards

ReVault is a virtual card platform with programmable spending controls, built for Canada. You create a separate card number for each purpose and set rules on that card in plain language. The product is built; card issuance and public availability depend on completing the required banking partnership.

A virtual card is a real, working card number that is generated digitally and linked to your funding account. It has its own number, expiry date, and security code, and it is accepted anywhere that card network is accepted online. It exists only as data — there is nothing to carry.

Your real card is one number shared with every merchant you have ever paid. A virtual card is one number given to one merchant. If that merchant is breached, the exposed number works nowhere else, and you close it without reissuing the card in your wallet.

Single-Use closes after one transaction. Merchant-Locked binds to one merchant. Category-Locked works only within a merchant category, such as groceries or transit. Everywhere is a general-purpose card that still carries the spending rules you set on it.

No. ReVault runs in the browser, so you can create a card and set rules from any device. The mobile and extension experiences bring the same controls closer to everyday use, including filling card details at checkout and surfacing recurring charges.

Virtual cards can reduce exposure by keeping a primary card number away from merchants. ReVault adds purpose-specific numbers and per-card controls so one exposed number can be isolated. Fraud protection and dispute rights still depend on the issuing partner, card network, and applicable terms.

A Merchant-Locked card is limited to that merchant, so an exposed number cannot simply be used somewhere else. You can close that card without replacing every other card. Network protections, replacement handling, and disputes still follow the issuing partner's terms.

The merchant receives the virtual card credentials rather than the number of the funding card. Identity verification and any additional information shared during payment will follow the issuing partner, card-network, and privacy requirements for the live program.

The current pre-launch site collects an email address for the waitlist. It does not collect payment information. The privacy policy at revault.ca/legal/privacy explains what is collected, how it is used, and how to contact ReVault about your information. Data-residency and product-compliance claims will be published only when the live product arrangements are in place.

No. Privacy.com requires an eligible US checking account, a US phone number, identity credentials, and a US residential address. It does not support international addresses. Canadian bank and prepaid cards cover part of the need; ReVault is the dedicated Canadian product for separate numbers and per-card controls.

Canadian bank and prepaid virtual cards cover parts of the need. RBC Virtual Visa Debit is tied to an eligible account, while KOHO and Wealthsimple offer virtual numbers for their accounts. ReVault is built around multiple purpose-specific numbers and per-card controls; public issuance awaits the required banking partnership.

Some do. RBC offers Virtual Visa Debit linked to an eligible RBC account, and other issuers may display a digital card number in their app. Features differ by issuer. RBC, for example, sets purchase and recurring-payment limits under its terms, rather than offering a dedicated per-merchant card.

Yes. The ReVault site and product experience are built in English and French, including the rules written in plain language. The team is based in Montréal and designed French-language access as part of the product rather than as a later translation.

Final pricing for the live card program is not yet confirmed. The pricing page shows the current structure without presenting unapproved figures as final. Fees, limits, rewards, and eligibility terms will be published before public card issuance begins.

The product is built, but the live card-program economics still depend on the banking and issuing partnership. Final interchange arrangements, paid tiers, rewards, and fees will be published only after those commercial terms are confirmed.

Joining the ReVault waitlist does not involve a credit application or hard inquiry. Eligibility and any credit treatment connected to the card program will be confirmed with the banking partner before public issuance begins.

Describe the rule the way you would say it out loud, such as “cap this at $40 a month” or “only groceries on weekends.” ReVault interprets it, shows you the exact rule it will apply, and waits for confirmation before anything takes effect.

ReVault lets you pause or close the card attached to a subscription so new authorizations can be stopped at that card. You should still cancel the contract with the merchant directly; card controls do not replace a written cancellation or the issuing partner's recurring-payment rules.

Refunds are routed back through the original virtual-card transaction. The exact timing and treatment of a refund after a card is closed will follow the issuing partner and card-program terms.

The ReVault product is built, but public card issuance depends on completing the required banking partnership. A launch date has not been announced. The waitlist at revault.ca is open and free to join for access and availability updates.