The Virtual Card Numbers experimental API lets you simulate creating virtual credit card numbers for your customers who have a Capital One card. This product is being designed to help merchants reduce friction associated with web and mobile shopping by eliminating declined payment transactions resulting from card reissuance. This API exposes the following capabilities:

Create virtual card  — creates a virtual card when a Capital One customer does not have a physical card on file with the merchant.

Replace physical card  — creates a virtual card to use in place of a physical card that is already on file with the merchant.

Retrieve virtual card details — retrieves details about a virtual card that has already been issued.

Report merchant activity — reports information back to Capital One about when you store or delete a card in your system.