{"id":34427,"date":"2026-03-30T04:56:43","date_gmt":"2026-03-30T04:56:43","guid":{"rendered":"https:\/\/buvei.com\/blog\/?p=34427"},"modified":"2026-03-30T04:56:43","modified_gmt":"2026-03-30T04:56:43","slug":"virtual-cards-vs-credit-cards-2025-fees-security-and-flexibility-compared-4","status":"publish","type":"post","link":"https:\/\/buvei.com\/blog\/ja\/virtual-cards-vs-credit-cards-2025-fees-security-and-flexibility-compared-4\/","title":{"rendered":"\u30d0\u30fc\u30c1\u30e3\u30eb\u30ab\u30fc\u30c9 VS \u5f93\u6765\u578b\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u6bd4\u8f03\uff5c\u624b\u6570\u6599\u30fb\u5b89\u5168\u6027\u30fb\u67d4\u8edf\u6027\u30fbBuvei 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srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/Virtual-Cards-vs.-Credit-Cards-2025_-Fees-Security-and-Flexibility-Compared-\u8fd9\u662f\u6211\u7684\u6807\u9898\uff0c\u5e2e\u6211\u751f\u6210\u51e0\u5f20\u9996\u56fe\uff0c\u8981\u6c42\u56fe\u7247\u7b80\u7ea6\uff0c\u4e0d\u8981\u592a\u82b1\uff0c\u5b57\u4f53\u4e0d\u8981\u592a\u5927.jpg 1472w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/Virtual-Cards-vs.-Credit-Cards-2025_-Fees-Security-and-Flexibility-Compared-\u8fd9\u662f\u6211\u7684\u6807\u9898\uff0c\u5e2e\u6211\u751f\u6210\u51e0\u5f20\u9996\u56fe\uff0c\u8981\u6c42\u56fe\u7247\u7b80\u7ea6\uff0c\u4e0d\u8981\u592a\u82b1\uff0c\u5b57\u4f53\u4e0d\u8981\u592a\u5927-300x170.jpg 300w, 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https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/Virtual-Cards-vs.-Credit-Cards-2025_-Fees-Security-and-Flexibility-Compared-\u8fd9\u662f\u6211\u7684\u6807\u9898\uff0c\u5e2e\u6211\u751f\u6210\u51e0\u5f20\u9996\u56fe\uff0c\u8981\u6c42\u56fe\u7247\u7b80\u7ea6\uff0c\u4e0d\u8981\u592a\u82b1\uff0c\u5b57\u4f53\u4e0d\u8981\u592a\u5927-400x226.jpg 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/Virtual-Cards-vs.-Credit-Cards-2025_-Fees-Security-and-Flexibility-Compared-\u8fd9\u662f\u6211\u7684\u6807\u9898\uff0c\u5e2e\u6211\u751f\u6210\u51e0\u5f20\u9996\u56fe\uff0c\u8981\u6c42\u56fe\u7247\u7b80\u7ea6\uff0c\u4e0d\u8981\u592a\u82b1\uff0c\u5b57\u4f53\u4e0d\u8981\u592a\u5927-800x452.jpg 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/Virtual-Cards-vs.-Credit-Cards-2025_-Fees-Security-and-Flexibility-Compared-\u8fd9\u662f\u6211\u7684\u6807\u9898\uff0c\u5e2e\u6211\u751f\u6210\u51e0\u5f20\u9996\u56fe\uff0c\u8981\u6c42\u56fe\u7247\u7b80\u7ea6\uff0c\u4e0d\u8981\u592a\u82b1\uff0c\u5b57\u4f53\u4e0d\u8981\u592a\u5927-832x470.jpg 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/Virtual-Cards-vs.-Credit-Cards-2025_-Fees-Security-and-Flexibility-Compared-\u8fd9\u662f\u6211\u7684\u6807\u9898\uff0c\u5e2e\u6211\u751f\u6210\u51e0\u5f20\u9996\u56fe\uff0c\u8981\u6c42\u56fe\u7247\u7b80\u7ea6\uff0c\u4e0d\u8981\u592a\u82b1\uff0c\u5b57\u4f53\u4e0d\u8981\u592a\u5927-1248x705.jpg 1248w\" sizes=\"auto, (max-width: 890px) 100vw, 890px\" \/><\/div>\n<h2>\u624b\u6570\u6599\uff1a\u65e5\u5e38\u5229\u7528\u306e<a href=\"https:\/\/buvei.com\/blog\/how-virtual-cards-reduce-costs-and-improve-settlement-efficiency\/\">\u30b3\u30b9\u30c8\u52b9\u7387<\/a><\/h2>\n<div><\/div>\n<div>\u6d88\u8cbb\u8005\u30fb\u4f01\u696d\u53cc\u65b9\u306b\u3068\u3063\u3066\u3001\u624b\u6570\u6599\u306f\u6c7a\u6e08\u624b\u6bb5\u9078\u5b9a\u306e\u6838\u5fc3\u8981\u7d20\u3067\u3059\u3002<\/div>\n<div><\/div>\n<ul>\n<li>\u5f93\u6765\u578b\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\n<div><\/div>\n<p>\u5e74\u4f1a\u8cbb\u30fb\u56fd\u969b\u53d6\u5f15\u624b\u6570\u6599\u30fb\u30ea\u30dc\u6255\u3044\u91d1\u5229\u304c\u767a\u751f\u3059\u308b\u306e\u304c\u4e00\u822c\u7684\u3067\u3059\u3002<\/p>\n<div><\/div>\n<p>\u6d77\u5916\u6e21\u822a\u8005\u30fb\u56fd\u5883\u901a\u8ca9\u5229\u7528\u8005\u306b\u3068\u3063\u3066\u30011 \u56de\u3054\u3068\u306b **2\uff5e3\uff05** \u767a\u751f\u3059\u308b\u70ba\u66ff\u624b\u6570\u6599\u306f\u7d2f\u7a4d\u30b3\u30b9\u30c8\u304c\u81a8\u5927\u306b\u306a\u308a\u307e\u3059\u3002<\/li>\n<li>\u30d0\u30fc\u30c1\u30e3\u30eb\u30ab\u30fc\u30c9\n<div><\/div>\n<p>\u5e74\u4f1a\u8cbb\u7121\u6599\u307e\u305f\u306f\u4f4e\u984d\u8a2d\u5b9a\u304c\u4e3b\u6d41\u3067\u3001\u904b\u55b6\u30b3\u30b9\u30c8\u524a\u6e1b\u3092\u6c42\u3081\u308b\u500b\u4eba\u30fb\u4f01\u696d\u306b\u6700\u9069\u3067\u3059\u3002<\/p>\n<div><\/div>\n<p>\u591a\u304f\u306e\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u306f\u7279\u306b B2B \u9818\u57df\u3067\u70ba\u66ff\u624b\u6570\u6599\u3092\u514d\u9664\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<div><\/div>\n<p>\u4f01\u696d\u5411\u3051\u3067\u306f\u53d6\u5f15\u5358\u4f4d\u306e\u5229\u7528\u5236\u9650\u8a2d\u5b9a\u306b\u3088\u308a\u3001\u4e88\u671f\u305b\u306c\u8ffd\u52a0\u8cbb\u7528\u3092\u6291\u3048\u3089\u308c\u307e\u3059\u3002<\/li>\n<\/ul>\n<div><\/div>\n<h3>\u653f\u7b56\u80cc\u666f<\/h3>\n<div><\/div>\n<div>EU 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src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/39805008-9713-4734-8f50-1fc13313bbeb-18272166-2.png\" alt=\"\" width=\"1024\" height=\"307\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/39805008-9713-4734-8f50-1fc13313bbeb-18272166-2.png 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/39805008-9713-4734-8f50-1fc13313bbeb-18272166-2-300x90.png 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/39805008-9713-4734-8f50-1fc13313bbeb-18272166-2-768x230.png 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/39805008-9713-4734-8f50-1fc13313bbeb-18272166-2-400x120.png 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/39805008-9713-4734-8f50-1fc13313bbeb-18272166-2-800x240.png 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/39805008-9713-4734-8f50-1fc13313bbeb-18272166-2-832x249.png 832w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/strong><\/h2>\n<\/div>\n<h2><a href=\"https:\/\/app.buvei.com?s=blog\">\u5b89\u5168\u6027<\/a>\uff1a\u30c7\u30fc\u30bf\u4fdd\u8b77\u3068\u4e0d\u6b63\u5229\u7528\u9632\u6b62<\/h2>\n<div><\/div>\n<div>\u5b89\u5168\u6027\u3053\u305d\u304c\u30d0\u30fc\u30c1\u30e3\u30eb\u30ab\u30fc\u30c9\u666e\u53ca\u3092\u727d\u5f15\u3059\u308b\u6700\u5927\u8981\u56e0\u3067\u3059\u3002<\/div>\n<div><\/div>\n<ul>\n<li>\u5f93\u6765\u578b\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\n<div><\/div>\n<p>\u4e0d\u6b63\u88dc\u511f\u5236\u5ea6\u306f\u5b58\u5728\u3059\u308b\u3082\u306e\u306e\u3001\u30ab\u30fc\u30c9\u975e\u63d0\u793a\uff08CNP\uff09\u8a50\u6b3a\u30fb\u60c5\u5831\u6d41\u51fa\u30fb\u7d1b\u5931\u6642\u306e\u4e0d\u6b63\u5229\u7528\u30ea\u30b9\u30af\u304c\u5e38\u306b\u5b58\u5728\u3057\u307e\u3059\u3002<\/p>\n<div><\/div>\n<p>\u30ab\u30fc\u30c9\u756a\u53f7\u304c\u56fa\u5b9a\u306e\u305f\u3081\u3001\u8907\u6570\u52a0\u76df\u5e97\u30c7\u30fc\u30bf\u30d9\u30fc\u30b9\u306b\u4fdd\u5b58\u3055\u308c\u308b\u3068\u88ab\u5bb3\u62e1\u5927\u306b\u3064\u306a\u304c\u308a\u307e\u3059\u3002<\/li>\n<li>\u30d0\u30fc\u30c1\u30e3\u30eb\u30ab\u30fc\u30c9\n<div><\/div>\n<p>\u53d6\u5f15\u3054\u3068\u306b<strong>\u4f7f\u3044\u6368\u3066\u30fb\u9650\u5b9a\u5229\u7528\u306e\u56fa\u6709\u756a\u53f7<\/strong>\u3092\u751f\u6210\u3057\u3001\u5b89\u5168\u6027\u3092\u98db\u8e8d\u7684\u306b\u9ad8\u3081\u307e\u3059\u3002<\/p>\n<div><\/div>\n<p>\u60c5\u5831\u304c\u508d\u53d7\u3055\u308c\u305f\u5834\u5408\u3067\u3082\u3001\u5225\u306e\u6c7a\u6e08\u306b\u6d41\u7528\u3059\u308b\u3053\u3068\u306f\u4e0d\u53ef\u80fd\u3067\u3059\u3002<\/p>\n<div><\/div>\n<p>\u5229\u7528\u9650\u5ea6\u984d\u30fb\u6709\u52b9\u671f\u9650\u30fb\u52a0\u76df\u5e97\u5236\u9650\u3092\u500b\u5225\u8a2d\u5b9a\u53ef\u80fd\u3067\u3001\u8a50\u6b3a\u30ea\u30b9\u30af\u3092\u5927\u5e45\u6291\u5236\u3057\u307e\u3059\u3002<\/li>\n<\/ul>\n<div><\/div>\n<h3>\u653f\u7b56\u80cc\u666f<\/h3>\n<div><\/div>\n<div>EU \u9280\u884c\u5f53\u5c40\uff08EBA\uff09\u306f PSD2\uff08\u7b2c 2 \u6c7a\u6e08\u30b5\u30fc\u30d3\u30b9\u6307\u4ee4\uff09\u306b\u57fa\u3065\u304d\u3001\u30c7\u30b8\u30bf\u30eb\u53d6\u5f15\u306b<strong>\u5f37\u529b\u306a\u9867\u5ba2\u8a8d\u8a3c\uff08SCA\uff09<\/strong> \u3092\u7fa9\u52d9\u4ed8\u3051\u3066\u3044\u307e\u3059\u3002<\/p>\n<div><\/div>\n<p>\u30d0\u30fc\u30c1\u30e3\u30eb\u30ab\u30fc\u30c9\u306f\u8a2d\u8a08\u6bb5\u968e\u304b\u3089\u3053\u306e\u57fa\u6e96\u306b\u6e96\u62e0\u3057\u3066\u304a\u308a\u3001\u5b89\u5168\u306a\u30c7\u30b8\u30bf\u30eb\u5546\u53d6\u5f15\u306e\u672a\u6765\u578b\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u3068\u8a00\u3048\u307e\u3059\u3002<\/p><\/div>\n<div><\/div>\n<h2>\u67d4\u8edf\u6027\uff1a\u73fe\u4ee3\u6d88\u8cbb\u8005\u30fb\u4f01\u696d\u306e\u30cb\u30fc\u30ba\u5bfe\u5fdc<\/h2>\n<div><\/div>\n<div>\u67d4\u8edf\u6027\u306b\u304a\u3044\u3066\u3082\u3001\u30d0\u30fc\u30c1\u30e3\u30eb\u30ab\u30fc\u30c9\u306f\u5f93\u6765\u30ab\u30fc\u30c9\u3092\u5927\u304d\u304f\u4e0a\u56de\u308a\u307e\u3059\u3002<\/div>\n<div><\/div>\n<ul>\n<li>\u5f93\u6765\u578b\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\n<div><\/div>\n<p>\u4e16\u754c\u4e2d\u3067\u5e45\u5e83\u304f\u5229\u7528\u53ef\u80fd\u3067\u3001\u6e21\u822a\u6642\u30fb\u7dca\u6025\u6642\u306b\u4fbf\u5229\u3067\u3059\u3002<\/p>\n<div><\/div>\n<p>\u4e00\u65b9\u30ab\u30b9\u30bf\u30de\u30a4\u30ba\u6027\u306b\u4e4f\u3057\u304f\u3001\u7533\u8fbc\u624b\u7d9a\u304d\u9577\u671f\u5316\u30fb\u53b3\u683c\u306a\u4fe1\u7528\u5be9\u67fb\u3092\u907f\u3051\u3089\u308c\u307e\u305b\u3093\u3002<\/li>\n<li>\u30d0\u30fc\u30c1\u30e3\u30eb\u30ab\u30fc\u30c9\n<div><\/div>\n<p>\u5373\u6642\u767a\u884c\u304c\u53ef\u80fd\u3067\u30c7\u30b8\u30bf\u30eb\u30a6\u30a9\u30ec\u30c3\u30c8\u3068\u9023\u643a\u3057\u3001\u591a\u5f69\u306a\u30aa\u30f3\u30e9\u30a4\u30f3\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3067\u6d3b\u7528\u3067\u304d\u307e\u3059\u3002<\/p>\n<div><\/div>\n<p>\u4f01\u696d\u306f\u90e8\u7f72\u30fb\u30d7\u30ed\u30b8\u30a7\u30af\u30c8\u5225\u306b\u8907\u6570\u30ab\u30fc\u30c9\u3092\u767a\u884c\u3057\u3001\u500b\u5225\u5229\u7528\u4e0a\u9650\u3092\u8a2d\u5b9a\u53ef\u80fd\u3067\u3059\u3002<\/p>\n<div><\/div>\n<p>\u30b5\u30d6\u30b9\u30af\u7ba1\u7406\u30fb\u53d6\u5f15\u5148\u652f\u6255\u3044\u30fb\u56fd\u5883 E \u30b3\u30de\u30fc\u30b9\u696d\u52d9\u306a\u3069\u306b\u67d4\u8edf\u306b\u5bfe\u5fdc\u3057\u307e\u3059\u3002<\/li>\n<\/ul>\n<div><\/div>\n<h3>Buvei \u6d3b\u7528\u4e8b\u4f8b<\/h3>\n<div><\/div>\n<div>Buvei \u306e\u30d0\u30fc\u30c1\u30e3\u30eb\u30ab\u30fc\u30c9\u306f\u4f1a\u8a08\u696d\u52d9\u30fb\u6c7a\u6e08\u30d5\u30ed\u30fc\u3068\u30b7\u30fc\u30e0\u30ec\u30b9\u306b\u9023\u643a\u3057\u3001\u4f01\u696d\u306e\u4e8b\u696d\u62e1\u5927\u3092\u652f\u63f4\u3057\u307e\u3059\u3002<\/p>\n<div><\/div>\n<p>\u5f93\u696d\u54e1\u51fa\u5f35\u4e88\u7b97\u7ba1\u7406\u30fb\u53d6\u5f15\u5148\u4ee3\u91d1\u652f\u6255\u3044\u306a\u3069\u3001\u5f93\u6765\u30ab\u30fc\u30c9\u306b\u4e0d\u8db3\u3059\u308b\u6a5f\u52d5\u6027\u30fb\u7ba1\u7406\u6a29\u9650\u3092\u5b9f\u73fe\u3057\u307e\u3059\u3002<\/p><\/div>\n<div><\/div>\n<h2>\u666e\u53ca\u52d5\u5411\u3068\u672a\u6765\u5c55\u671b\uff1a\u653f\u7b56\u3068\u30a4\u30ce\u30d9\u30fc\u30b7\u30e7\u30f3\u306e\u878d\u5408<\/h2>\n<div><\/div>\n<div>\u4e21\u8005\u306f\u5171\u5b58\u3057\u7d9a\u3051\u307e\u3059\u304c\u3001\u5e02\u5834\u69cb\u56f3\u306f\u5f90\u3005\u306b\u5909\u5316\u3057\u3066\u3044\u307e\u3059\u3002<\/div>\n<div><\/div>\n<ul>\n<li>\u898f\u5236\u63a8\u9032\u8981\u56e0\n<div><\/div>\n<p>AML\uff08\u53cd\u30de\u30cd\u30fc\u30ed\u30f3\u30c0\u30ea\u30f3\u30b0\uff09\u67a0\u7d44\u307f\u30fbKYC 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https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/Virtual-Cards-vs.-Credit-Cards-2025_-Fees-Security-and-Flexibility-Compared-\u8fd9\u662f\u6211\u7684\u6807\u9898\uff0c\u5e2e\u6211\u751f\u6210\u51e0\u5f20\u9996\u56fe\uff0c\u8981\u6c42\u56fe\u7247\u7b80\u7ea6\uff0c\u4e0d\u8981\u592a\u82b1\uff0c\u5b57\u4f53\u4e0d\u8981\u592a\u5927-1-800x452.jpg 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/08\/Virtual-Cards-vs.-Credit-Cards-2025_-Fees-Security-and-Flexibility-Compared-\u8fd9\u662f\u6211\u7684\u6807\u9898\uff0c\u5e2e\u6211\u751f\u6210\u51e0\u5f20\u9996\u56fe\uff0c\u8981\u6c42\u56fe\u7247\u7b80\u7ea6\uff0c\u4e0d\u8981\u592a\u82b1\uff0c\u5b57\u4f53\u4e0d\u8981\u592a\u5927-1-832x470.jpg 832w, 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