The Key Differences Between Virtual Cards and Physical Cards By Lars Guo  Published: December 10, 2025 Opening Message Hi Folks! I hope you’ve all been doing well and enjoyed your Thanksgiving! Today’s blog post dives into the differences between using virtual cards (via Samsung Wallet, Apple Pay, Google Pay, etc.) and physical credit/debit cards. Just to clarify: I’m not  talking about online-only virtual card numbers used for internet purchases. Instead, I’m focused on th