Selecting a trustworthy tool for international payments is a crucial taskfor numerous modern users. Virtual dollar cards offer convenience, security, and broad possibilities for conducting global transactions.
Let’s take a closer look at the services that offer the best conditions for your financial needs.
Table of Interests
What is a virtual dollar card?
A virtual card is an electric credit or debit card. It has card all the features of a regular credit or debit card, but the only difference is that it is not physical.
It is an online account like regular bank account with virtual card that allow you access to your bank accounts and make transactions in the same way as a physical debit or credit card without carrying the card around like ATM Card.
Some virtual cards offer rewards known as cashback deals, on your daily spending in paying for goods and services.
Top 10 Best Virtual Dollar Cards in Nigeria
1. PSTNET
PSTNET offers virtual dollars payment cards and stands out among its analogues not only for the convenience of registration, but also for deep integration with popular payment systems. Account creation is possible through various methods: via email, Google, Telegram, WhatsApp, or Apple ID. This makes the process accessible to a wide range of users worldwide.
For new users, the option to receive the first card without the need for verification is available, speeding up the process of obtaining it and immediately putting you on the path of international payments with a limit of $500. If additional cards or a higher limit are needed, PSTNET offers a simple and fast verification procedure.
One of PSTNET features is the wide range of deposit methods available, from cryptocurrencies to traditional Visa/Mastercard and bank transfers. This provides you with freedom of choice and convenience in managing your funds.
The service offers various types of cards for different purposes, supporting 3D-Secure technology for additional payment security. Low fees are a distinctive feature: there are no charges for confirmed and declined transactions, as well as for fund withdrawals and operations on blocked cards.
PSTNET also has its own BIN checker, allowing real-time verification of card BINs, adding an additional layer of control over your financial transactions.
2. Klasha
Klasha offers users simple and effective solutions for creating and managing virtual dollar cards. This service is ideal for individuals seeking minimalism and speed. With Klasha, you can instantly start online shopping or pay for services abroad without unnecessary hassle.
3. FlexCard
FlexCard offers flexibility and multi-functionality for those who wish to control their overseas expenses without limitations.
An intuitive interface and a variety of features make this service an excellent choice for travelers and online shoppers.
4. GotoK
The GotoK service is tailored to the needs of modern users who prefer transparency and complete control over their finances.
This service guarantees the security of your data and transactions while providing ease of use simultaneously.
5. PayDay
PayDay is the optimal solution for freelancers and remote workers who prioritize the speed and reliability of international payments. The service simplifies the process of transfers and payments, making it accessible and understandable for every user.
Choosing the right virtual dollar card depends on your individual needs and preferences. Each of the presented services has its unique features that can meet various requirements. Familiarize yourself with the terms of the offers and user reviews to make an informed choice.
6. Chipper Cash
Chipper cash card is a pre-funded and reloadable virtual visa card that can be used to make payments online. It works in the manner your local bank visa card works online. Chipper Card can be used for online purchases anywhere Visa cards are accepted. You can as well use it to book flights, subscribe to Netflix, or buy anything online easily from your Chipper cash wallet.
Chipper Cash has two types of wallets/accounts: tier 1 and tier 2.
Tier 1 wallet has limited features and capabilities while tier 2 allows you to access more features of the app. Chipper Cash offers 5% cash back on all purchases.
7. Wallets Africa
Wallets Africa is a Nigerian Fintech startup that offers virtual and physical naira and dollar cards.
This card saves from the risk of physical cards theft especially as a traveller.
Travellers who don’t want carry cash or physical card while travelling, can use this 100% theft risk-free digital wallet. All you need to provide is your email address at checkout, and your billing information will remain private as well. The only disadvantages are that using this card, you will be charged $1 monthly fee, a $0.75 fee on every foreign transaction, and a 2% fee to load it from an external account.
8. Minty Bank
Minty Bank is a Nigerian Fintech startup. The Mintyn Bank Virtual Dollar Card provides numerous benefits to individuals, freelancers, entrepreneurs, merchants who do business online. With Mintyn’s Virtual Dollar Card, shoppers can pay for international services like Amazon, Apple Music, Netflix, eBay, WordPress, and many more.
To enjoy the many benefits which Mintyn’s Virtual Dollar Card offers, all a customer needs to do is download the Mintyn app, create account and activate a personal Virtual dollar card in minutes.
9. Fundall
Fundall, a Nigerian digital bank that provides a wide range of financial services to private and business customers, from a bank account and budget planning to saving pots and loans, recently launched a virtual dollar card enable individuals and businesses make payments online without barriers.
The Fundall offers its first virtual card for free, with a minimum load of $5.
10. ALAT Virtual Dollar Card
ALAT is a digital banking product powered by Wema Bank. ALAT by Wema offers a complete banking package, with bank account, physical debit card, savings, loans, and it is one of the best virtual dollar cards in Nigeria.
Once you download the app, set up your account and fund it, you can credit your card straight from your naira balance for up to $20,000 and change the dollars back into naira if you need to.
The disadvantages are that you can’t use it on money transfer websites, and it is not compatible with 3D Secure.
