It’s a hard one and I’ll tell you why…
True story:
I ordered something from Screwfix the other day for click and collect, paid with my virtual card. Went and collected but when I got home the Mrs decided she didn’t like it and wanted a different one. I checked online they had the one she wanted me to get in stock and then went to try and exchange it. The one she wanted was cheaper so Screwfix insisted on refunding the difference and did I have the original car.
The look on their faces when i said no it’s a virtual card was absolutely priceless, I spent 5 minutes trying to explain to two guys and their manager what a virtual card was before completely giving up and insisting they just gave me a credit note as I had somewhere to be.
Before this I didn’t think the concept of a virtual card was complicated, now i don’t know what to think