Abstract: A method of facilitating e-commerce and/or contactless payments funded by a funding account that is blocked from directly making such payments, said method comprising a virtual card interface computing system, comprising an application running on a user device and a server: storing details to link a virtual card (VC) account with said funding account at said server; receiving an instruction from a user of said VC account through said application to transfer funds from the funding account to the VC account; and initiating requesting said transfer from an issuer of the funding account. Also, a method of making an e-commerce or contactless payment funded by a funding account that is blocked from directly making such payments comprising: funding a VC account according to the aforementioned method; and subsequently making said payment by providing VC credentials of the VC account to a payee.