In Nigeria, the use of virtual dollar cards for international payment has become more prevalent thanks to the emergence of several fintech companies. With some fintech businesses halting the issuance of virtual dollar cards in the country, others have stepped forward to offer a plethora of alternatives.
Since virtual cards simulate plastic credit cards, they can only be used to make purchases on the Internet. Knowing what a virtual dollar card is and why it matters is helpful for understanding the article’s emphasis.
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Exactly what is a “virtual dollar card”?
A virtual dollar card is a non-physical card that can be used to make purchases online and has a dollar amount on it. A virtual dollar card may be used in Nigeria when credit or debit cards denominated in the local currency, the naira, are not accepted.
Nigerians who use foreign platforms like Alibaba, Amazon, Ali Express, Facebook, Netflix, and so on will be able to shop and pay online better with the help of virtual dollar cards. For instance, you can’t use a bank card issued in Nigeria to buy or subscribe to streaming music services like Apple Music. Virtual dollar cards, however, allow you to accomplish this due to their lack of restrictions.
One convenience of virtual dollar cards is that they eliminate the need to physically visit a bank. A virtual dollar card may be obtained mostly by using a smartphone app. In addition, obtaining a virtual dollar card is simple, as opposed to obtaining a physical dollar card, which may be used to make payments across Nigerian banks. However, the card’s paperwork procedure is less daunting if you already have a domiciliary.
Virtual dollar cards are being offered by a plethora of Nigerian fintech businesses. As a result, if you desire to have many Nigerian virtual currency cards, you may choose the one(s) that best suit your demands.
List of Top rated virtual (prepaid) dollar card in Nigeria
You’ll need to register with any of the listed virtual dollar card issuer if you want to acquire your own virtual dollar card. Virtual dollar card services are offered by a variety of firms, most of which are either fintech startups or well-established financial institutions. The list here are in no particular order.
Chipper cash
Chipper Cash offers virtual dollar cards, which can be used for making purchases and payments in foreign currencies over the Internet. Your Chipper wallet may be used to load a Chipper Cash Visa virtual dollar card at no cost to you. Keep in mind that the virtual card functions similarly to actual credit or debit cards.
There is no limit to the total amount that may be withdrawn on a Chipper virtual dollar card, however the maximum withdrawal per day is $1,000.
Your card will have a daily deposit limit of $1,000 and a monthly withdrawal cap of $5,000. It’s important to stress that Chippercash is 100% authentic.
Wema ALAT
ALAT, a fintech platform regulated by Wema Bank, issues a virtual dollar card that can be used for transactions anywhere on the internet.
You may use this virtual card for spending on websites like Facebook, Amazon, Shopify, etc., regardless of where you are in the world.
You can conveniently transfer up to $20,000 from your naira account to your new ALAT virtual dollar card. In the course of the period in question, you have the option of converting your dollars into naira.
Payday
Payday enables users to make and receive instantaneous global payments. This service also provides a digital dollar card that can be used for online and overseas transactions. Furthermore, there are no charges associated with opening accounts denominated in Euros, British Pounds, or US Dollars.
Payday virtual dollar card users are not restricted in any way with regards to depositing funds or withdrawing funds.
In addition, the Payday virtual dollar card review suggests that users of virtual cards should consider getting a card as a viable alternative.
Eversend
Since 2020, customers have been able to make purchases on sites including Aliexpress, Amazon Prime, Spotify, Skillshare, and Namecheap with the use of virtual cards offered by Eversend. Users pay $1 a month to keep their virtual card active on Eversend after the initial setup price of $0.00. The card must be funded with at least one dollar, and several cards can be created. Bank transfers, mobile money, and debit/credit cards may all be used to load funds into an Eversend virtual card.
Carbon
Carbon started out as a digital lender but has now transformed into a leading Nigerian online bank. You may now make purchases and send money with Carbon. It’s possible to do things like quick loans, bill pay, and money transfers.
Users of Carbon may buy and sell on international e-commerce sites and use Carbon virtual dollar cards to make purchases at brick-and-mortar locations that accept virtual dollar cards.
The Getcarbon review of the virtual card highlights the trustworthiness of the platform for domestic and international transactions.
FluidCoins Dollar Card (Flip)
A crypto payment platform, FluidCoins facilitates easy money transfers. This network provides users with access to virtual dollar cards backed by cryptocurrency, and users can also save and boost their Stablecoin income on this platform.
After installing the Flip app on your device, you’ll have access to a virtual dollar card that may be used for purchases up to $1,500.
Eyowo
Eyowo is a financial technology firm that operates like a digital bank, allowing its clients to do things like send and receive money and pay bills using just their phone numbers.
With Eyowo, you may withdraw cash without using your debit card at an ATM. There is no minimum deposit required to purchase an Eyowo virtual dollar card and no maximum amount that may be loaded into the card.
Bitsika
Using Bitsika, you can send and receive funds between Ghana and Nigeria. When you sign up for Bitsika, you’ll be assigned a Bitsika wallet, which you may use to send money to other Bitsika wallets or pay for goods and services anywhere in Ghana (and by extension, Nigeria).
You can make purchases with a Bitsika virtual dollar card, but first you’ll need to install the Bitsika app on your device.
Gomoney
Gomoney is a P2P (peer-to-peer) payment platform that also supports integration with other services. This service makes it simple and convenient to send money across borders.
You may make online (both domestic and international) purchases using a Gomoney virtual dollar card after upgrading to tier 2.
However, the amount you can spend with your Gomoney virtual card depends on your Gomoney tier, therefore it’s crucial for new users to read the Gomoney virtual card review.
Fundall
Fundall is a Nigerian supplier of virtual dollar cards that may be used to make purchases online or over the phone in any country that accepts the US dollar.
The Fundall app allows you to easily create a virtual dollar card for the first time, at no cost. Fundall also allows you to swiftly generate several virtual dollar cards to pay for currently active transactions with a single payment.
However, before you can begin using the virtual card, you’ll need to load it with at least $5 (in naira equivalent).
Mintyn Virtual Dollar Card
The goods and services offered by Mintyn Digital Bank are identical to those offered by conventional banks. A good example of this is a virtual dollar card accepted at millions of online stores across the globe.
When utilising a foreign service like Facebook, Netflix, Amazon, Apple Music, etc., you may transfer and receive funds with the use of Mintyn’s virtual dollar card. Funding your Mintyn account is a must for using a virtual dollar card on these platforms.
PST.NET Card
You can use your PST.NET card to make purchases or fund your ads accounts anywhere in the world. Both US dollars and Euros may be loaded into your Visa or Mastercard. Signing up is quick and easy with only your email address, a Telegram username and password, or a Google account.
The first card can be obtained without submitting any paperwork (with a limit of $500); however, a simple verification is required to increase the card’s issuance and spending limits after the initial limit has been reached.
You may make online purchases and pay for services on sites like AliExpress, eBay, Steam, Spotify, Netflix, Facebook, and Amazon using PST.NET virtual cards.
The card may be used at a wide variety of digital stores, including the App Store, iTunes, Google Play, Microsoft Store, PlayStation Store, Epic Games Store, and more. Users may load funds to their cards using cryptocurrencies, conventional payment methods, or bank transfers.
All cards can be reloaded, and some support 3DS authentication. Individuals as well as groups that regularly process large numbers of transactions may find the PST Private programme particularly useful at present.
Changera
Virtual dollar cards are just one of the many services offered by Changera, a payment platform. Customers of Changera may use the digitised dollar card to make purchases on any e-commerce site in the world.
Thus, the cheap costs associated with using a Changera virtual card make the service worthwhile.
When you sign up for Changera, you’ll have access to a variety of card designs. Users on the free plan may load funds onto virtual dollar cards to use for purchases.
Wallet Africa
Wallets Africa is an online service that issues both digital and physical cards denominated in Nigerian naira and U.S. dollars.
If you’re an avid traveller but find conventional dollar cards inconvenient, Wallet Africa virtual card may be the solution for you.
The virtual dollar card from Wallets Africa is secure and only costs $1 per month to maintain. When you load money onto your virtual card from a different account, the site will charge you two percent plus $0.75.
Kuda
Kuda is a digital bank in Nigeria that facilitates fast payments throughout the country. It offers a digital version of a physical dollar card through its mobile app.
Instead of utilising a domiciliary account at a typical bank, you may use a Kuda virtual dollar card to send and receive US dollars.
Paga
Paga is a virtual card that may be used for easy, secure, and quick online payments. You may shop online with confidence knowing that the 16-digit card number, CVV, and expiration date are all unique to the virtual card and not your real prepaid card.
Using the app, you can effortlessly create and save a virtual card on your mobile device, onto which you can then load funds. The funds loaded onto a prepaid card can only be used for purchases up to the card’s spending limit.
Paga virtual cards allow you to save your card information (number, CVV, and expiration date) in the app itself. Put it to use just as you would a standard credit or debit card to pay for anything on the web. If you’re concerned about the safety of your virtual card transactions, you may easily freeze and unfreeze it inside the Paga app.
Bitnob
The Bitnob dollar virtual prepaid card can be used to buy anything from any online store, pay for online courses, and pay for streaming services like Netflix, YouTube Premium, and Spotify.
Bitnob allows you to load up to $10,000 to a card at the time of issuance. However, there is a limit of $250 per reload.
You may now confidently make those sizable online purchases with the help of a virtual dollar card from Bitnob. If you’d want to use many virtual cards for various transactions, Bitnob allows you to do so.
For instance, if you would rather charge all of your subscriptions to a single card, you can generate a virtual card and name it “Subscriptions” in order to achieve this. In the same way, you won’t have to worry about it being mixed up with your other virtual cards for online purchases.
Grey Virtual Card
Grey Virtual Card provides its users with a Mastercard that may be used at any online retailer. Now you can quit worrying about your streaming services like Spotify and Netflix. Go online shopping at places like Amazon, ASOS, and Zara. Buy plane tickets and other travel expenses online.
The option to temporarily freeze and unfreeze your card from inside the Grey app is a nice feature of the Grey virtual card. Two-factor authentication allows you to further fortify the safety of your account. You can load money onto your grey virtual card in your native currency and convert it to US dollars at any time.
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Things to Consider When Choosing a Virtual Dollar Card Service in Nigeria
When choosing a virtual dollar card provider in Nigeria, it’s important to consider a few different factors to ensure that the service will meet your demands.
- Security
Virtual dollar card providers must prioritise payment and transaction security since no one likes the idea of losing money via unsecured online dealings. Your virtual card contains sensitive information, you should carefully examine the security measures in place before making any purchases online. - The ease of use
Most people prefer to utilise a platform with simple navigation rather than one with a lot of complicated features that would be difficult for new users to use. It makes sense to go with a virtual dollar card service that facilitates your payment procedure with minimal effort and a straightforward user interface. - Good Customer Support
There should be reliable customer care service easily available to address your inquiries and other difficulties. Additionally, you must be able to perform worldwide transactions or payments using the virtual dollar card without any limitation. - Card Restrictions and Charges
You should be aware of essential prerequisites for the most desirable satisfactory outcomes. If you need a convenient way to make purchases online, the virtual dollar card is the way to go. The limits on certain cards range from $500 to $10,000.
Answers to Frequently Asked Questions
Who offers the most reliable virtual card services in Nigeria?
The number of companies offering virtual cards in Nigeria is growing day by day. While they all make virtual cards accessible to customers, each virtual card supplier has it own quirks. Thus, we are unable to determine who offers the finest virtual card services. To choose which virtual card provider is most suited to your requirements, you need try more card issuers listed here on this blog post. Therefore, you need to do your homework before selecting a service
Where can I get a virtual card in Nigeria?
A virtual card may be obtained in the same way as a real card can. First, choose a virtual card provider; next, register with that supplier; and last, request a virtual card.
How to get a virtual (prepaid) dollar card in Nigeria?
If you’re in Nigeria and need a prepaid dollar card, here’s how to get one.
A virtual dollar card can be obtained by registering with a virtual dollar card issuer. Numerous companies, mostly fintech startups and established financial institutions, offer virtual dollar card services.
In order to verify your identity before receiving a virtual card, you may be required to go through a “know your customer” (KYC) procedure.
Conclusion
Virtual dollar cards are a convenient payment option for making purchases on the web. That’s because, with this digital card, you can buy anything you want, whenever you want.
If you’re looking to improve your international online transactions, the above directory of virtual dollar card providers in Nigeria is a good place to start.
