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How is a card used to make my bill payment?

Sometimes using a card is the fastest, most secure way to make your payment. Your payment may be made with a special purpose, one-time use card that is tokenized for security. A token card number replaces the underlying card account. The token looks like a regular card number, but it is only valid for a one-time payment.

Do tokens provide value to hackers?

Token card numbers have no meaning themselves and are worthless to criminals if stolen. There is no algorithm to derive the underlying card or your bill payment funding account from the tokenized card number.

Are other organizations using card tokenization?

Card tokenization is becoming more adopted in the payments industry, not only by leading financial institutions, but also by other leaders including Apple and Google.

What will appear in my account or on my statement?

You may see that the payment has been made with a virtual card. For example, you might receive an email that includes something like “…..thank you for your card payment ending in card number 1234.”  You should be reassured that this is a new method to make bill pay payments and the card referenced is a virtual card, not your personal card.


If you have additional questions please Message Us or call 855-257-4149.


Consumer Bill Payment clients may see a one-time pop up message when accessing the Bill Payment section of Online Banking informing you about heightened Virtual Card payment security.

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