> For the complete documentation index, see [llms.txt](https://docs.payments.thalescloud.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.payments.thalescloud.io/secure-card-display/get-started/manage-cards/create-virtual-cards.md).

# Create virtual cards

Virtual cards are used for e-commerce payments and Tokenization use cases.

### Domain controls for virtual cards

The domain controls you can configure for a virtual card are limited to:

* International payment control
* Denied currency list
* Forbidden merchant category list (MCC list)

### Use dynamic CVV (dCVV2)

You can configure the virtual card product to enable dynamic CVV (also called dCVV2).

When dCVV2 is enabled:

* D1 generates a new dCVV2 each time the D1 SDK displays the virtual card.
* Each dCVV2 is valid only for a limited period you configure in the card product.

This reduces the risk of card-on-file (COF) data being misused, because the CSC / CVV2 value changes frequently.

### Virtual card renewal

Virtual card renewal is transparent for the end user.

When renewal is enabled for the virtual card product:

* D1 automatically renews the virtual card before its expiry date.
* D1 automatically activates the renewed card.
* D1 generates a new expiry date but keeps the same PAN.
* D1 keeps the same `cardId` for the renewed card.
* The renewed card is automatically displayed the next time it is shown through the D1 SDK.
* D1 updates existing digital cards with the new expiry date.

As a result, the end user can continue to use the virtual card for e-commerce payments and Tokenization without manual action.

### Sequence diagram

<figure><img src="/spaces/62lLFDcmLCeqqwmy4Fee/files/Fylj27cqPUUHWLZuSqNq" alt="Virtual card creation flow diagram"><figcaption><p>Virtual card creation and activation flow.</p></figcaption></figure>

If the virtual card is created with state `active`, it is immediately ready for a first payment.

When the card is created:

* D1 returns a `cardId`.
* `cardId` is not the PAN. It is a unique technical identifier for the card.
* Use `cardId` in the D1 API and D1 SDK to reference the card for subsequent operations.
* If the end user referenced in Create card is not registered in D1, D1 can implicitly register the end user from `consumerId`.

Once created, you can use the same virtual card across other D1 services, for example:

* [Transaction control](https://thales-dis-dbp.stoplight.io/docs/d1-caas/25aregsmz7a2q-transaction-control)
* [Secure Card Display](https://thales-dis-dbp.stoplight.io/docs/d1-caas/3c8a7e6f0a81a-secure-card-display-introduction)
* [Tokenization](https://thales-dis-dbp.stoplight.io/docs/d1-caas/ad6a9b717d3b9-introduction)
* [Push provisioning](https://thales-dis-dbp.stoplight.io/docs/d1-caas/294f33eaf2378-push-provisioning-introduction)

### API endpoint

Create the virtual card using:

* [Create card](/secure-card-display/integrate-d1-api/d1-api-reference/inbound-api-to-d1/card-api.md#post-v2-issuers-issuerid-cards)


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