A virtual RIW card is an electronic version of the physical RIW card. The virtual card can be downloaded onto a mobile device, such as a smart phone, using the Vircarda App. The Vircarda App generates a unique QR code to be used to swipe in/out of a site, the same way a physical card can be used. However, every time the QR code is scanned, the Vircarda App generates a new QR code to prevent fraud.

For more information about virtual cards and the Vircarda App, please refer to the article How does a cardholder install the Vircarda App to manage their virtual RIW card?