Virtual credit cards (VCCs), also known as virtual bank cards, virtual debit cards, anonymous cards, or temporary cards, are credit or debit cards that mask personal and financial information, and can be instantly created through a website or mobile app, and function like physical credit cards but without the need for a plastic card, which can be utilized globally for online shopping, phone purchases, to pay contactless in stores, or for any other transaction that requires entering a card number; cloud-based payments management platform; payment methods that limit exposure to potential fraud; customized virtual cards, in the nature of branding and control over where and how cards can be used; virtual card issuing in the nature of personalized rewards, dynamic annual percentage rates (APRs) and credit lines; Enable payments that can be faster than automated clearing house (ACH) and more cost-effect than checks; provisioning of virtual cards into e-wallets\digital wallets (tokenization); virtual cards for single or recurring use; virtual cards that provide quick and secure online shopping, identity theft protection, spending visibility, spend control, approval workflow and accounting automation; virtual cards that can be created anywhere and anytime to spend in multiple currencies with no domestic or international transactions fees, that provide real-time transaction notifications; Banking services, namely, virtual credit card payment processing services; Banking services, namely, providing virtual card numbers to digitally pay invoices thru a virtual card payment service; electronic payment processing services; financial services, namely, virtual credit card transaction processing services; providing virtual payment card processing services that provide virtual credit card numbers for payments via a global computer information network; credit card services, namely, providing a virtual credit card which allows users to complete credit card transactions via mobile devices; processing of virtual credit card, virtual debit card, virtual prepaid card, and virtual payment card transactions in the metaverse and other virtual worlds; payment processing services, namely, credit card, debit card, prepaid card, gift card and payment card transaction processing services in the metaverse and other virtual worlds; providing financial information in the metaverse and other virtual worlds; platform-as-a-Service (PaaS) featuring a computer software platform that randomly generates virtual credit card numbers for temporary use in order to provide security in credit card transactions; providing temporary use of online non-downloadable software for processing of contactless debit and credit card payments; Providing temporary use of online non-downloadable software for the issuance of virtual credit cards and debit cards.