Navigating International Payments with Nigeria’s Top Virtual Cards

By  |  February 13, 2025

It’s tough for Nigerians to pay for things online internationally because of recent restrictions on regular bank cards by the Central Bank of Nigeria (CBN). These restrictions have left many feeling cut off from global markets, making it hard to do things like buy courses on Udemy or shop on Amazon.

But there’s a solution: using the best virtual dollar cards available in Nigeria. These cards can help you bypass the limitations of naira cards and engage with the global digital economy. 

Here’s a curated list of the top virtual dollar cards in Nigeria that can reconnect you with international services:

Top 5 Virtual Dollar Cards in Nigeria

Get a virtual dollar card from either Cardtonic, Switch, Cleva, Bitmama, or Mintyn to break the barriers of traditional naira cards. 

1. Cardtonic

At a time when some Nigerian fintech brands are winding up their card services, Cardtonic stands tall, ensuring that Nigerians experience seamless cross-border payments. This is clear in the platform’s globally accepted virtual dollar card unveiled sometime in early 2024.

The Cardtonic virtual dollar card is your ticket to a world of global and secure transactions. From shopping online to paying for courses on e-learning platforms, the card is the reliable companion you can always count on. 

The funding flexibility of the virtual card puts it at a vantage point over its competitors. Users can load the card as much as they want to cater to their spending needs. That can be done directly with their Naira wallet balance, eliminating the bottleneck of currency conversion.

Cardtonic doesn’t just aim to connect you to a world of seamless cross-border payments. The platform ensures you’re totally protected while doing so. This is seen in its top-notch security measures like card’s deactivation. If you notice a suspicious activity with your card, you can immediately deactivate it on the Cardtonic app to protect yourself from fraud.

With some card providers offering virtual dollar cards for as high as $10, Cardtonic’s virtual dollar card which costs just $1.5 to create is one of the cheapest options out there.

Getting a virtual dollar card on Cardtonic requires just a few clicks. Sign up on the platform and provide the necessary credentials for identity verification. Proceed to fund your wallet in order to create your virtual dollar card, and there you have it.

2. Switch by Sterling

Switch by Sterling is a digital bank fully managed by Sterling Bank Ltd. This platform that promises hassle-free cross-border payments for its customers has enticing features like multi-currency savings.

Switch by Sterling offers a virtual dollar card that can be used to pay for goods and services on international platforms. 

3. Cleva

Cleva is a fintech brand largely known as a payment solutions provider. Users can create a Cleva US-based account in their names to receive USD payments from anywhere around the globe.

The platform bridges the gap between Nigerians and the global economy with its virtual dollar card. Shopping on your favourite e-commerce websites has now become akin to eating a piece of cake, thanks to the Cleva virtual USD card. 

4. Bitmama 

Cryptocurrency adoption has been spreading at a fast pace in recent times. Being able to pay for goods and services with your cryptocurrencies without the need to convert to local currency will be bliss. This is what Bitmama offers its customers.

With the Bitmama virtual dollar card, Nigerians can conveniently make payments on international platforms like Alibaba, AliExpress, Amazon, and Netflix with their USDT.

5. Mintyn Virtual Card

In a bid to salvage Nigerians from card rejections when making international payments, Mintyn launched its virtual dollar card sometime in 2023.

Since its unveiling, the Mintyn virtual dollar card has ushered in an era of smooth international transactions for both individuals and businesses in Nigeria.

Frequently Asked Questions About Paying Online With Virtual Dollar Cards In Nigeria

1. What Is the Best Virtual Dollar Card to Make International Online Payments in Nigeria?

The Cardtonic virtual dollar card is your best bet when it comes to making international online payments in Nigeria. The card is widely accepted, so the chance of your transactions getting declined is minimal.

2. Which Virtual Dollar Card Can I Use as a Nigerian to Pay for Facebook Ads?

You can use the Cardtonic virtual dollar card to pay for Facebook ads. The card is also readily accepted by other Meta subsidiaries like Instagram.

3. Which Virtual Dollar Card Service Is Currently Serving in Nigeria?

The Cardtonic brand is currently serving the Nigerian market with its globally accepted virtual dollar cards. Their card has become a choice virtual card in Nigeria.

4. How Do I Pay for iCloud in Nigeria?

You can pay for iCloud in Nigeria with the Cardtonic virtual dollar card. Quickly sign up on the Cardtonic platform and complete the simple KYC process to get the virtual dollar card.

5. Can I Use a Cardtonic Virtual Dollar Card to Pay for a Microsoft 365 Subscription in Nigeria?

Yes, you can use the Cardtonic virtual dollar card to pay for a Microsoft 365 subscription in Nigeria. The card can also be used to pay for a Spotify subscription.

So here’s what you can do

Get connected to the global digital economy when you get a virtual dollar card from either Cardtonic, Switch, Cleva, Bitmama, or Mintyn today.

The best virtual dollar cards in Nigeria are here to lead you to a world of financial freedom that you deserve. The choice to get liberated from the shackles of Naira cards is in your hands. Don’t hesitate to get a virtual dollar card today!

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