Frequently asked questions
What is Relica?
Relica is a U.S.-based fintech platform that lets you create secure virtual Visa and Mastercard payment cards for safer, private, and more controlled online spending.
No wallets, no stored balances — every card is funded directly.
How does a virtual card work?
A virtual card works like a regular card, but the number is temporary or single-use.
Merchants see only the virtual card — never your real banking details.
Why should I use a virtual card instead of my physical card?
Virtual cards protect you from:
Card theft
Fraudulent renewals
Hidden fees
Data leaks
Overbilling
Using a virtual card keeps your real banking information private and safe.
Does Relica charge a subscription fee?
No. Relica has no monthly fees, no subscription, and no hidden charges.
You only pay a small fee when creating a card.
Where can I use Relica cards?
Anywhere Visa or Mastercard is accepted online — including international shops, travel sites, subscriptions, and marketplaces.
Is Relica safe for international purchases?
Yes. Virtual cards add an extra security layer when shopping internationally, keeping your real banking information protected.
Can I use multiple virtual cards?
Yes. You can maintain multiple active cards at the same time for different merchants or purposes.
What happens if a merchant tries to charge me again?
If a merchant attempts an unauthorized or unexpected charge, you can freeze or delete the card instantly.
Relica prevents further billing attempts.
How do I manage spending limits?
Set daily, weekly, monthly, or per-transaction limits for each card.
You stay fully in control at all times.
What should I do if I see suspicious activity?
Freeze the virtual card immediately and report the issue.
Your real financial details remain fully protected.
How many virtual cards can I have at the same time?
Verified users can have up to 5 active cards at once.
How many new virtual cards can I create per month?
Verified users can create up to 10 cards per month.
Limits increase automatically with account history.
Is there a lifetime limit on how many cards I can create?
Yes. Verified users can create up to 50 lifetime cards.
Trusted long-term users unlock higher limits.
Can I get higher card limits?
Yes. After 6 months of positive activity, your account may automatically upgrade.
Why does Relica have card limits?
Limits prevent fraud, keep your account secure, and ensure platform stability for all users.
Can I add more money to an existing virtual card?
No. Every virtual card is funded as-needed at creation.
If you need a different amount, simply create a new card
Can I withdraw unused money from a virtual card?
No. Cards are direct-fund transactions, not wallet balances — Relica does not store or move user funds.
What happens if I don’t need a card anymore?
Freeze or delete the card instantly — the merchant loses access permanently.
What happens if a merchant refunds my purchase?
Refunds return directly to the payment method you used to fund the virtual card.
Why is there a fee to create a virtual card?
The fee covers secure card generation, fraud protection, and issuing costs.
There are no maintenance or monthly fees.
Is Relica safe for managing online subscriptions?
Yes. Using a dedicated virtual card per subscription prevents unexpected renewals and unauthorized charges.
Can I use Relica virtual cards internationally?
Yes — Relica works on most international websites that support Visa or Mastercard online transactions.
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