The Case for a Shopping-Only Card

Two problems, one fix
Marketplace checkouts create both a decline problem (unfamiliar merchants score poorly with traditional issuers) and an exposure problem (handing full card details to a storefront you'll use once).

How a dedicated card handles both
A virtual card funded with only what a purchase requires removes the legacy fraud stack from the path and caps exposure at the loaded amount rather than an entire account balance.

What it doesn't change
Refund and dispute policy remains entirely the merchant's own. This addresses the payment method, not the returns process.

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