Virtual Credit Card is similar to a regular credit card. Virtual cards have all the same characteristics of physical cards, such as the 16 digit number (PAN), expiry date, CVV, cardholder name, and billing address, except they are stored online instead of in your physical wallet.

Xendit is able to support you to charge a VCC, in order to do that there are few steps you need to do:
Make sure that you already have a Live Xendit Account. If you have not registered to a Xendit Account, you can register here and proceed to activate your account.

Activate your Cards Payment Method.

• In order to charge a VCC, you need to request for 3DS optional first / disable the 3DS authentication. It is mandatory as VCC will not be able to perform 3DS authentication.
• The guide to request for 3DS optional can be found here.
• In the activation reason section, you should state that you want to accept a VCC transaction.
• You also need to whitelist the IP address where you would most likely process the VCC in the Allow List : Credit / debit card tab > Fraud Prevention > List > IP Allow List
• When your 3DS optional feature is enabled, you can start charging a VCC either from Xendit Payment Link or API.

For more information, you can also go to our docs at the link here https://docs.xendit.co/credit-cards/charging-cards#charging-a-virtual-credit-card-vcc