The emergence of various financial service providers has enabled the increasing adoption of virtual dollar cards in Nigeria. While some fintech companies are suspending the operations of virtual dollar cards in the country, other providers of this product are coming to the fore to offer you a wide range of options for virtual dollars.

A virtual card can be likened to a physical card in appearance, but you can only use virtual cards for online transactions. As this article focuses on virtual dollar cards, it is noteworthy to understand what a virtual dollar card is and its importance.

What Is A Virtual Dollar Card?

A virtual dollar card is a non-physical card that is dollar-denominated to enable online payments. You can use a virtual dollar card in Nigeria when you cannot use naira-denominated credit or debit cards in Nigeria.

The advent of virtual dollar cards in Nigeria is to improve online shopping and payments among Nigerians who use international platforms like Alibaba, Amazon, Ali Express, Facebook, Netflix, and whatnot. For instance, your Nigerian ATM cards won’t enable you to purchase or subscribe to digital platforms like Apple Music. But you can achieve that with virtual dollar cards because they do not have restrictions.

One benefit of virtual dollar cards is that you do not have to go to a bank to get them. You can get a virtual dollar card via an app on your smartphone. Also, getting a virtual dollar card comes easily, unlike a physical dollar card, which you can use across Nigerian banks for making payments. But it would help if you had a domiciliary before having the card, which can be stressful with its documentation process.

Today, there are many in Nigeria providing virtual dollar cards for Nigerians. Therefore, you will always find one that perfectly meets your needs while you can decide to have multiple virtual dollar cards in Nigeria.

Criteria For Selecting Virtual Dollar Card Providers In Nigeria

There is a need to look at some features of virtual dollar card providers in Nigeria to decide whether the product will suit your needs at the time of use.

1. Security

The security of payments or transactions must be paramount to any virtual dollar card provider, as nobody wants to risk losing money in online transactions. This is why you must look keenly at the security framework to ensure no data breach on your virtual card when using it online.

2. User-Friendliness

We all want to use a platform that has easy navigation without some complexity of features that would make such a platform unsuitable for beginners. So, ensure you choose a virtual dollar card provider that has a simple and easy user interface that can help you achieve your payment process with little or no aid.

3. Accessibility

Your virtual card provider must meet some terms of accessibility with responsive customer support that is readily available to resolve your queries. Also, the virtual dollar card must allow you to make international transactions or payments without border or time restrictions.

4. Card Limit And Fees

These are a criterion you must take cognizance of to help you optimally. The virtual dollar card will meet your online needs as far as making payments is concerned. While some cards have a limit of $ 1,000, others can be up to $10,000.

You must also look at the transaction fee to inform you of how much the virtual dollar card provider will charge you when you use the virtual dollar card for your transactions.

The Top 15 USD Virtual Cards That Work In Nigeria

Listed below are Nigeria’s best virtual dollar card providers that enable you to make online payments for products and services:

  2. Chippercash
  3. Flip by Fluidcoins
  4. Payday virtual dollar card
  5. Fundall
  6. Bitsika virtual card
  7. Carbon
  8. Eyowo
  9. ALAT By Wema card
  10. Gomoney virtual card
  11. Mintyn
  12. WalletsAfrica
  13. Changera
  14. Kuda bank card
  15. Barter card By Flutterwave

Let’s dive deeply into each to analyze the benefits and drawbacks to decide which card is best for you.


Best virtual dollar card providers in Nigeria

PST.NET offers virtual cards for payment of goods and services worldwide, as well as for advertising accounts. Visa and Master cards in dollars and euros are available. Fast registration is possible using a Google account, Telegram, or email and password.

The first card can be obtained without documents (with a limit of $500; a simple verification is required to increase the card issuance and spending limits).

With PST.NET virtual cards, it is possible to purchase and pay for services on platforms like Aliexpress, Ebay, Steam, Spotify, Netflix, Facebook, and Amazon.

Also, you can use the card on online marketplaces, including Google Store, Apple Store, Microsoft Store, PlayStation Store, Epic Games Store, and more. Users can top-up their cards using cryptocurrency, credit cards, or transfers.

There is 3DS authentication on some cards, and all cards are reloadable. Currently, the PST Private program is, in effect, catering to teams and individuals engaged in high-volume transactions.

This program offers the first 100 cards for free, and after that, cards are available for $1 each, with a 2% top-up fee.

The service has gained significant trust among users, as evidenced by numerous positive reviews about PSTNET

2. Chipper Cash

Best virtual dollar card providers in Nigeria

Chipper Cash provides virtual dollar cards that enable you to make online international transactions. You can fund a Chipper Cash Visa virtual dollar card from your Chipper wallet,t and this is free. You should know that the way you use this virtual card is analogous to the way you use physical credit or debit cards.

The maximum daily withdrawal on the Chipper virtual dollar card is $1,000, although there is no limit for a total withdrawal from the card.

You can find your card with a funding daily limit of $1,000, and your maximum monthly withdrawal limit is $5,000. Need to mention that Chippercash is legit, in case you’re wondering.

3. Flip By FluidCoins

FluidCoins is a crypto payment platform that enables you to send and receive money conveniently. You can also save and grow your Stablecoin yields on this platform while you access its virtual dollar cards supported by cryptocurrency.

You can use the Flip virtual dollar card after downloading the Flip App, and this virtual card has a $1,500 limit for every transaction.

4. Payday

You can use Payday to send and receive instant international payments.

This platform also has a virtual dollar card for making international purchases and online payments at your convenience. Also, you can open foreign accounts in US dollars, British pounds, and euros at no cost.

There are no funding or withdrawal limits when you use Payday virtual dollar card, which enables you to use the virtual card at your discretion.

Moreover, the Payday virtual dollar card review posits that a card is an excellent option for virtual card users.

5. Fundall

Fundall is a virtual dollar card provider in Nigeria that has a dollar-denominated virtual card that enables you to make international payments without cross-border restrictions.

You can create a virtual dollar card on the Fundall app, which is free for a first-time virtual card creation. Another feature of Fundall is that you can quickly generate multiple virtual dollar cards to make a one-off payment for active transactions.

However, you need to fund your virtual dollar card with as low as $5 (in naira equivalent) to enable you to start using the virtual card.

6. Bitsika

Bitsika is a payment platform that enables you to send and receive money between Ghana and Nigeria.

When you create a Bitsika account, you automatically have a Bitsika wallet that you can fund and use to make transfers to other Bitsika wallets or make other payments within Ghana and, by extension,n to Nigeria.

Bitsika has a virtual dollar card that enables you to make transactions, but you have to download a Bitsika app to get started.

7. Carbon

Carbon used to be a digital lender that has morphed into one of the top digital banks in Nigeria. You can now use Carbon for different payments and transactions. This includes money transfers, bill payments, instant loans, etc.

Carbon users can also use Carbon virtual dollar cards to make payments at online international trading platforms and other offline channels that support virtual dollar cards.

The Getcarbon virtual card review underscores some level of confidence in using this platform for both local and international payments.

8. Eyowo

Eyowo is a fintech company dubbed a digital bank that enables its customers to send and receive money and make bill payments with their phone numbers.

When you use Eyowo, you can access physical cash without using your ATM card.

This platform also offers a virtual dollar card, which you can get for as low as $1, and there is no funding limit for your Eyowo virtual dollar card.

9. ALAT By Wema

Best virtual card providers in Nigeria

ALAT virtual dollar card is a digitized card designed by ALAT, a digital platform regulated by Wema Bank.

This virtual dollar card lets you purchase from international trading platforms like Facebook, Amazon, Shopify, etc.

You can create an ALAT virtual dollar card for free and fund your card for as much as $20,000, which you can do from your naira account. In the meantime, you can convert your dollars back to naira.

10. Gomoney

Gomoney is a payment platform that enables peer-to-peer (P2P) payment and third-party services. You can easily use this platform at your convenience while making international payments.

To get a Gomoney virtual dollar card, you will have to upgrade your account to tier 2, and you can, from here, pay online (locally and internationally).

However, your virtual dollar card limit is a function of the tier level of your Gomoney, which is why understanding the Gomoney virtual card review is important for its new users.

11. Mintyn Bank

Mintyn Digital Bank provides products and services that are in a way similar to that of traditional banks. One such is a virtual dollar card that enables you to shop for different products worldwide.

You can use Mintyn’s virtual dollar card to send and receive money while using international platforms like Facebook, Netflix, Amazon, Apple Music, etc.

One primary requirement of having a virtual dollar card on this platform is to fund your Mintyn account.

12. Wallets Africa

Wallets Africa is a platform that provides virtual and physical cards in naira and dollar denominations.

Virtual dollar cards are helpful if you are a traveling enthusiast who considers physical cards unsuitable for your purpose.

Wallets Africa virtual dollar card is safe to use and has a monthly maintenance fee of $1.

The platform also charges $0.75 for foreign transactions with a 2% fee to fund your virtual card from an external account.

13. Changera

Changera is a payment platform that provides various products and services, including virtual dollar cards.

Changera customers can use the virtual dollar card to make different online payments on any trading platform globally.

Therefore, Changera is worth the hype because of the low fees it charges when you use a Changera virtual card.

As a Changera user, you can access a varying model of its cards. Its users with a free plan can create virtual dollar cards to make payments for payments or other transactions.

14. Kuda

Kuda is a Nigerian digital bank that enables swift payment processes across Nigeria. One of its products is a virtual dollar card, which you can access on its mobile app.

You can use a Kuda virtual dollar card to send and receive money in US dollars instead of using a domiciliary account with traditional banks.

15. Barter By Flutterwave

Best virtual dollar card providers in Nigeria

Flutterwave is a popular payment platform that has created a Barter app to enable fast money transfers.

You can use this platform to buy cryptocurrencies, make money transfers, and whatnot. You can have a virtual dollar card once you have money.

You must have a minimum of $5 in your account to create a Barter virtual dollar card.

The cost of every virtual card is $2, with a monthly fee of $1 to get your card active.

Frequently Asked Questions (FAQs)

What Is The Best Virtual Card Provider In Nigeria?

Every virtual card provider has its peculiarity, although the providers serve the purpose of making virtual cards available for users. So, we cannot establish the best virtual card provider. That is why you need to research more on these card providers to know the most preferred virtual card for your needs.

It should be noted that the list of virtual card providers in Nigeria continues to increase. Therefore, your due diligence is required to get a provider.

How Can I Get A Virtual Card In Nigeria?

Getting a virtual card is similar to applying for a physical payment card. You need to create an account with your preferred virtual card provider, fund your account with the provider, and proceed to request a virtual card.

Sometimes, you may need to complete a know-your-customer (KYC) process to validate your application for a virtual card.


Virtual dollar cards are great alternatives for making payments in online transactions. This is because this virtual card enables you to make purchases for your preferred products without restrictions.

Therefore, the above list of virtual dollar card providers in Nigeria has given you an overview of how to bolster online international transactions.