Nigeria’s internet user base is expanding fast. Analysts expect the number of active users to nearly double within the next two years. As digital activity grows, so does the demand for virtual dollar cards, currently one of the only reliable ways for Nigerians to pay for international platforms and digital products.
This article looks at seven platforms offering virtual dollar cards that work for residents of Nigeria in 2025.
What Is A Virtual Card?
A virtual card is a digital-only card with a unique number, expiry date, and CVC code. It stores basic info about the user, like their name, and doesn’t have a physical version, so it can’t be lost or stolen.
These cards are protected by two-factor authentication and 3D Secure, which help keep your data and money safe. When you pay online, you get a code by SMS to confirm the payment.
To use a virtual card, you load money onto it. It can hold different currencies (USD, euro or crypto). Most global platforms, like app stores and software services, require payments in US dollars, so the card needs to support that.
Why Virtual USD Cards Matter in Nigeria?
Nigeria has strict currency controls. Local banks limit access to dollar accounts and block many international payments. A number of global platforms won’t accept cards issued by Nigerian banks. That means basic activities like paying for apps or ordering products from abroad become nearly impossible without a foreign-issued Visa or Mastercard.
The issue becomes even more complicated for remote workers paid in foreign currency. Receiving income through a standard Nigerian bank account often isn’t an option.
The Top Virtual Dollar Card Providers
Several fintech companies now offer USD-denominated virtual cards to users in Nigeria. Some are locally focused, while others are global platforms available to users worldwide, including across Africa. Each provider has its strengths — some make it easier to top up, others offer better rates or more reliable access to international services.
1. PST.NET
PSTNET offers various payment tools for media buying, digital services, and advertising. Its flagship product is the Ultima virtual card, available in both Visa and Mastercard versions. The card has no spending or top-up limits, and users can create as many cards as needed.
What sets it apart is the zero-fee model. There are no charges for card creation or usage. 3D Secure and two-factor authentication ensure safe transactions. Cards can be funded via crypto (18 options), SWIFT or SEPA bank transfers, or another Visa/Mastercard. Registration in PST.NET is quick via Google, Telegram, Apple ID, or email, and all card management happens through the website or app.
2. Spend.net
Spend.net also supports multiple use cases but stands out for its cashback model. Every purchase earns 1% back. The cards are free to issue and work anywhere Visa or Mastercard is accepted.
Users of Spend.net can control their spending and choose how many cards to create. Top-up fees start from 2% and are fully adjustable. Other than that, there are no charges: no transaction fees, no fees for failed payments or currency conversion, and no costs for withdrawals or refunds. Top-ups can be made using cryptocurrencies like USDT and BTC, and registration is available via Google account sign-in.
3. PayDay
PayDay is a FinTech brand built for African users, offering virtual USD cards through its mobile app. They’re made for international spending.
You can top up the cards using cryptocurrency or bank transfers, with a minimum top-up of $10. Each card has a $10,000 monthly spending limit. Fees vary by location and transaction type, and currency conversion uses PayDay’s own rates.
Registration and card management are done through the mobile app.
4. GeegPay
Originally built for freelancers in Africa receiving income from the US, GeegPay now offers virtual Visa cards for all types of USD spending—from subscriptions to ad payments.
The card is linked to a multi-currency wallet supporting both USD and Nigerian naira. That helps avoid third-party exchange rates, with conversion handled directly in the app.
GeegPay also supports instant currency swaps and P2P transfers. Users can convert naira to USD in a few taps, send funds to other users, or top up cards instantly. These operations come with a small internal fee but avoid external banking delays.
5. Payoneer
Payoneer is a global payments platform offering virtual cards and other financial services in over 200 countries and 150 currencies. It’s used by freelancers, businesses, and online sellers to send and receive money internationally.
Card limits are set on a case-by-case basis. Funding options include Payoneer-to-Payoneer transfers (fee-free), bank transfers, ACH, and debit/credit card top-ups (3% fee).
To get a card, users must register a business or individual account and provide income details. Cards are issued within a few days.
6. Chipper Cash
Operating in 21 African countries, Chipper Cash provides virtual Visa debit cards designed to work well with local infrastructure. It supports both USD and NGN, making it particularly useful in Nigeria.
The digital card can be used for anything from streaming subscriptions to online ads. Balances are held in NGN and converted to USD for payments, helping reduce fees and making foreign transactions more accessible.
Funds are added to a Chipper wallet and moved to the card instantly, with no added charges. Card limits on funding, withdrawals, and payments are published in the platform’s help section and should be reviewed before planning large transactions.
7. Ezzocard
Ezzocard specialises in virtual prepaid Visa and Mastercard cards. The biggest advantage is simplicity: no account registration or identity verification is required. Cards are issued instantly after purchase.
Each card comes with a pre-set limit, depending on the value chosen, options range from $10 to $2,000. There are no transaction fees, but there is an issuance fee that varies by card type and denomination.
The platform doesn’t offer withdrawal features, and there are no advanced security options. However, it does support funding via nine cryptocurrencies, including Bitcoin and USDT.
The Bottom Line
For Nigerians facing payment issues on international sites, getting a virtual dollar card can make a big difference. Opening an account takes just minutes and provides access to a wide range of services and global platforms.Choosing the right provider depends on what the card will be used for. Those looking for low fees and smooth operation should consider PSTNET or Spend.net. For more region-specific support, PayDay, GeegPay, or Chipper Cash may be a better fit. For users needing to receive foreign income, Payoneer is a solid option. And for occasional anonymous payments, Ezzocard does the job.
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