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To answer briefly, yes, merchants can store credit card information. The long answer is that merchants must be PCI compliant to store their credit card data. However, there's also some data you can keep and some you can't make sure you securely handle your customers' credit card information.

A virtual card, sometimes called a temporary card number or anonymous card number, is a credit or debit card number that can be created through a website or mobile app, and does not come with a physical card. Virtual cards can be utilized for most online purchases to mask your personal and financial information.

Only pre-approved 'test card' numbers provided by Windcave can be used for testing, within test environments. We recommend using the test card 4111 1111 1111 1111 for Visa, 5431 1111 1111 1111 for MasterCard, 3711 1111 1111 114 for Amex, and 3600 0000 0000 08 for Diners.

The Federal Trade Commission has also said merchants shouldn't collect information they don't need. And the regulator advises that when they do collect card information, it is in their interest to hold on to it only as long as there is a bona fide business need to do so.

What does this mean? It means credit card details may actually qualify as sensitive personal information since there is, in fact, a law that mandates its treatment as strictly confidential information.