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Virtual Cards
Virtual cards are displayed in an application or website and used to make online purchases. On the Highnote platform, all cards start as virtual cards.
Highnote supports issuing virtual cards on the following card networks:
- Mastercard
- Visa
This guide provides guidelines for designing card art for virtual cards.
Card art templates are used to help guide you with your card design. Highnote provides specific card art templates based on your card product's card network, vertical (prepaid, debit, credit, etc.), and Partner Bank.
Contact the Highnote implementations team for access to a card art template for your card product.
Card art must follow specific guidelines for approval by Highnote and Partner Banks. Some guidelines apply to all virtual cards, while others apply only to cards issued using Visa or Mastercard. Refer to general and card network-specific guidelines when designing card art.
The following general design guidelines apply to all virtual card designs:
- If you plan to issue a physical card, the corresponding virtual card design should be an exact replica of the physical card design.
- We recommend displaying virtual card designs on a neutral background.
The following guidelines apply to card products issued on the Mastercard network:
| Card element | Guideline |
|---|---|
| Mastercard branding/logo | Required on the visible side of the card design |
| Minimum display size | For replicas of physical cards: 54 pixels wide. For abstracted designs: 36 pixels wide. |
| 16-digit Mastercard PAN | Required on the visible side of the card or close to the digital card image |
| CVC 2 | Required on visible side of the card or close to the digital card image |
| Expiration dates | Required on visible side of the card or close to the digital card image |
| “Debit” product identifier | Required for consumer debit and prepaid cards |
| “Business debit” product identifier | Required for commercial debit and prepaid cards |
| Cardholder name | Required |
| Issuer name/logo | Required |
| Customer service contact information | Required |
| Bank issuing statement | Required |
| Marketing materials | Required |
| Chip | Prohibited |
| Magnetic stripe | Prohibited |
| Hologram | Prohibited |
| Signature panel | Prohibited |
| Card source information | Prohibited |
The following guidelines apply to card products issued on the Visa card network:
| Card element | Guidelines |
|---|---|
| Visa branding/logo | Required on the visible side of the card design |
| “Visa Virtual”, “Virtual Card”, or “Virtual” product identifier | Required; the first letter of each word must be capitalized, with all other letters in lowercase |
| 16-digit Visa PAN | Required |
| Cardholder name | Required |
| Expiration date | Required |
| CVV2 | Required |
| “Limited Use” disclaimer | Required |
| Bank issuing statement | Required |
| Marketing materials | Required |
| Embossed personalization features | Prohibited |
| Magnetic stripe | Prohibited |
| Chip | Prohibited |
| Hologram | Prohibited |
| Signature panel | Prohibited |
| Visa International Service Center telephone number | Prohibited |