I opted for the virtual visa. I went to use it to do an online McDonald’s order and it didn’t work. I then tried it with Google/Coursera and it didn’t work there either. I used the online chat with them and they said either I was entering the info wrong or there were issues with McDonald’s and Google. They could apparently see that I attempted those transactions and they failed so I’m sure I wasn’t entering the numbers wrong. I honestly didn’t think this was a scam after the mostly good reviews you have online.