12 Virtual Dollar Cards in Nigeria for Online Payments

Have you ever experienced the frustration of trying to make an online purchase with your Nigerian credit card only to be rejected? Don’t worry, there’s a solution: virtual cards. These cards can be a game-changer for online payments, especially when your Naira card is not accepted on international websites.

Virtual dollar cards are prepaid, dollar-denominated cards that allow you to make online payments without any hassle. Many digital platforms in Nigeria offer virtual cards, making it easier for you to shop online.

In this article, we’ll take a closer look at the top 10 virtual dollar cards in Nigeria to help you make an informed decision:

Key Takeaway

  • Virtual dollar cards are a great option for Nigerians who want to make online payments and transactions outside the country.
  • There are several virtual dollar card providers in Nigeria, including ALAT, Chipper Cash, Bitmama, and Eversend.
  • Many of these providers offer additional services, such as currency conversion, money transfers, and virtual bank accounts.
  • Some providers offer their virtual dollar cards for free, while others charge a small fee.
  • Users will need to provide identification and other personal information to set up a virtual dollar card account.
  • Virtual dollar cards can be used to purchase cryptocurrency in Nigeria, among other things.

1. Virtual card in USD and EUR from PSTNE

12 Virtual Dollar Cards in Nigeria for Online Payments

PSTNET is a service that issues virtual Visa and Mastercard cards for worldwide payment of goods and services, including payments for advertising accounts like Facebook Ads, Google Ads, TikTok Ads, and others. Easy registration, the first card is issued without undergoing KYC. To obtain an unlimited number of cards and lift spending restrictions, verification is required.

Low top-up fees starting from 2%. Funding options include USDT TRC-20 and BTC cryptocurrencies, SEPA/SWIFT bank transfers, and cards from other banks. Numerous cards are available for different purposes. There are cards with 3DS (codes are sent to the personal account or Telegram bot). A large number of US and European bank BINs (approximately 25+) are present.

Cards from PSTNET are accepted for payment by various platforms such as Steam, Spotify, Netflix, Patreon, Unity 3D, as well as on online marketplaces like Google Store, Apple Store, Microsoft Store, PlayStation Store, Epic Games Store, and many more.

For more detailed information and many positive reviews about PSTNET, visit the service’s website.

2. ALAT Virtual Dollar Card


If you’re looking for a virtual dollar card that offers a full range of banking services, including savings, loans, and an actual debit card, the ALAT Virtual Dollar Card is a great option. Owned and operated by Wema Bank, it’s one of Nigeria’s top virtual dollar cards.

Once you create and fund your ALAT account, you can load up to $20,000 on your card directly from your Naira balance. And if you need to, you can convert the dollars back to Naira. However, keep in mind that the card is not compatible with 3D Secure and cannot be used on websites that facilitate money transfers.

ALAT Virtual Dollar Card is an excellent choice for anyone looking to close business deals with vendors from different countries. With its robust banking services and easy-to-use virtual card, ALAT can make international transactions hassle-free.

Read More: A Comprehensive Review of Alat Virtual Dollar Card

3. Chipper Cash


Founded in 2014 by Ham Serunjogi and Maijid Moujaled, Chipper Cash has quickly risen to become one of Africa’s unicorns. It is a cross-border, peer-to-peer (P2P) mobile payment platform that connects various African countries with each other and the rest of the world.

One of the many services Chipper Cash offers is a virtual Visa card. With this card, users can conveniently make purchases on platforms such as Amazon or pay for international subscriptions. However, to get started, you need to have a Chipper Cash account and provide identification documents such as an international passport or a national identity card.

Read More: A Comprehensive Review of Chippercash Virtual Dollar Card

Chipper Cash is known for its seamless money transfer services, and with the addition of the virtual Visa card, users can enjoy a complete online shopping experience. The virtual card also eliminates the need to visit a physical bank, which is a huge relief for users who find banking processes tedious.


4. PayDay


Revolutionize the way you conduct online transactions with Payday, the digital FinTech app that offers a hassle-free solution for all your financial needs. With Payday, you can send and receive funds from across the globe, all in one convenient place.

Say goodbye to traditional banking methods and hello to the Payday virtual dollar card. This option makes digital transactions and online payments effortless from anywhere in the world. Simply create a virtual dollar card for a nominal fee of $5 and fund it as you please. Once you have your virtual dollar card, you can make all your online payments without any limits.

With Payday, you can enjoy the freedom and convenience of conducting online transactions without the need for a physical bank. Don’t let the limitations of traditional banking hold you back – switch to Payday today and experience financial freedom like never before.

Read More: A Comprehensive Review of PayDay Virtual Dollar Card

5. Wallet Africa Virtual Dollar Card


Wallet Africa is a Fintech platform that operates in Nigeria, Ghana, and Kenya. Founded in 2018 by John Oke, the platform offers real cards, instant account statements, and virtual dollar cards for online purchases.

Wallet Africa’s virtual dollar cards are a safe and convenient option for online transactions. With the rise in theft, many Nigerians find travel difficult. But with Wallet Africa’s virtual dollar cards, you can make online payments with ease and without having to carry cash.

Although relatively unknown to many smartphone users in Nigeria, Wallet Africa is gaining popularity for its genuine credit cards. If you’re looking for a secure way to make online transactions, Wallet Africa Virtual Dollar Card is a great option.

Read More: A Comprehensive Review of Wallets Africa Virtual Dollar Card

6. Fundall


Fundall also provides a virtual dollar card, which can be created instantly upon account registration and funding. With this virtual card, you can make online purchases in dollars and pay directly from your Fundall account. It can be used on any website that accepts Visa, including Amazon, eBay, and other international e-commerce platforms.

Read More: A Comprehensive Review of Fundall Virtual Dollar Card

Fundall’s virtual dollar card offers flexibility, security, and convenience when making online payments, making it a great option for those looking to shop internationally without any hassle.

Digital Banks Rise as Nigerian Banks Struggle with Digital Payments Amid Cash Scarcity

7. Changera


In a world where most transactions are now done online, virtual cards have become a necessity for many Nigerians. However, due to the limitations set by the Central Bank of Nigeria (CBN), it has become increasingly difficult for Nigerians to transact online. As a result, many have turned to cryptocurrencies to bypass these restrictions.

Crypto startup Bitmama has developed Changera, a solution that provides a virtual dollar card to enable Nigerians to make online payments with ease. This innovative platform also offers other features, including money transfers, currency conversion, and a virtual bank account.

Read More: Comprehensive Review of Changera Virtual Dollar Card

Changera operates on a freemium model for its cards, offering a free plan, a freelancer plan for $50 annually, and a premium plan for $100 annually. While users on the free plan can create virtual cards, only those on the freelancer or premium plan can create USD, GBP, CAD, or EUR virtual accounts.

If you’re looking for a reliable and secure virtual card service provider in Nigeria, Changera is an excellent choice. With its easy-to-use interface and wide range of features, it’s one of the best virtual card services available.

8. Kuda Virtual Dollar Card

Kuda bank dollar card

Kuda bank is widely popular in Nigeria because of its top-notch mobile banking platform. It offers free real debit cards and low-interest loans to qualified and interested clients.

In addition to these services, Kuda also provides a virtual card service, making it a one-stop shop for all your banking needs. With the Kuda Virtual Dollar Card, you can enjoy hassle-free online transactions, even on websites where your regular naira card is not accepted.

The Kuda Virtual Dollar Card is an excellent choice for anyone who wants to make online purchases without any restrictions. Simply download the Kuda app, create an account, request a virtual card, and start making payments on your favourite websites.

Read More: A Comprehensive Review of Kuda Virtual Dollar Card

9. Bitsika


Bitsika is a Fintech app that can be downloaded in Nigeria and several other African nations. With this app, you can do financial transactions online without having to go to a physical bank or wait in long lines for hours.

Bitsika’s virtual dollar card costs $8 and allows users to enjoy a fantastic online shopping experience. In addition, users of the Bitsika wallet can buy and sell Bitcoin, ABCD stablecoin, and BUSD (Dollar stablecoin) in the interim.

If you’re looking for a reliable and convenient way to make online transactions, consider getting a Bitsika Virtual Visa Dollar Card.

10. GeegPay


As the gig economy continues to grow in Africa, there is a growing need for a reliable and efficient payment system that allows gig workers to receive payments from clients outside the continent. Raenest, a Fintech company, has launched Geegpay, a product aimed at addressing this need.

Geegpay is a payment system designed for gig workers in Africa. With Geegpay, gig workers can receive payments and generate invoices for their services. The platform provides users with a USD account and a virtual dollar card, which they can use to make payments and purchase items online.

To get started with Geegpay, users need to complete the sign-up and verification process. This involves providing details such as their employment offer, occupation, employer’s details, proof of address, and identity. Once the verification process is complete, users can then apply for a virtual dollar card. The cost of the card is $2, and users can only apply for it after completing the verification process.

11. Mintyn


Mintyn is a top digital bank in Nigeria that offers a wide range of financial services, including individual and corporate bank accounts, savings, and loans. In addition to these services, Mintyn offers a free virtual dollar card to level 3 account holders. This virtual card can be activated at any time, providing users with a convenient and secure way to make online payments and transactions.

To qualify for a level 3 account and receive a free virtual dollar card, users need to complete the necessary account verification and meet the required criteria. With Mintyn’s virtual dollar card, users can enjoy the freedom and flexibility of making online payments and transactions without any limits or restrictions. The card is designed to provide a safe and secure way to transact in USD, making it an ideal solution for anyone who needs to make international payments or receive funds from abroad.

12. Eversend


Eversend is a financial technology startup that is based in Uganda but operates in several African countries, including Nigeria. The company’s core mission is to offer convenient, affordable, and accessible financial services to its users.

One of the products that Eversend offers is a virtual dollar card. This card enables users to make online payments from anywhere in the world with ease. To get started, all you need to do is charge your account with a payment card and open a virtual dollar debit card. The virtual card only costs $1 to create, and it comes with a $1 monthly fee. Additionally, when you charge the card, there is a 2% currency conversion fee.

With Eversend’s virtual dollar card, you can make payments on platforms such as Amazon, Netflix, or any other online store that accepts Visa cards. Plus, you can use it to pay for your international subscriptions, including Apple Music, Spotify, and more.

Eversend is committed to providing financial solutions that make a real difference in people’s lives. With its virtual dollar card, you can enjoy fast, secure, and convenient online payments, regardless of your location. Sign up for an Eversend account today and take advantage of this amazing service.

13. Barter By Flutterwave


Barter by Flutterwave is a Nigerian payment firm that launched the Barter app in 2019 to provide quick money transfers. They specialize in mobile money and digital wallets, making it easy to convert cash into a digital wallet and vice versa.

You can fund your Barter account via a bank account, credit card, or mobile payment account, and use it for transactions such as purchasing cryptocurrencies, online trading, betting websites, or money transfer services.

Once you have funds in your account, you can create a virtual dollar card and use it to make online payments on most websites. To create a virtual card, you need to have at least $5 in your account, and each virtual card costs $2 with a $1 monthly fee.

To get started with Barter by Flutterwave, simply download the app from the Google PlayStore, create an account, request a virtual card, and fund your newly created account. With Barter by Flutterwave, you can make hassle-free virtual card payments for all your online activities.


How do I get a virtual dollar card in Nigeria?

There are various options for getting a virtual dollar card in Nigeria. You can sign up for a virtual dollar card from online banking platforms such as ALAT, Kuda, and Chipper Cash. Some fintech companies also offer virtual dollar cards, such as Payday, Eversend, and Mintyn. To get a virtual dollar card, you typically need to sign up for the service, complete the verification process, and fund the card with dollars.

Is it safe to use virtual cards for online transactions?

Yes, virtual cards are generally safe to use for online transactions. They offer a higher level of security than physical cards as they are not susceptible to physical theft or skimming. Additionally, virtual cards can be easily blocked or cancelled in case of unauthorized transactions. However, it’s important to ensure that you use reputable providers and follow standard online safety practices when using virtual cards or any online payment method.

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Mallami Adekunle

Mallami Adekunle

Kunle Mallami is a digital entrepreneur with expertise in website design, digital marketing, brand strategy and digital content writing. When he's not doing any of these, he will probably be on YouTube learning.

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