Get a virtual Naira or US Dollar card for your secure local and international payments, fund transfer & online shopping.

Whether you’re an individual looking to have more control over your online shopping or a large corporate entity, a small business, or a freelancer looking to grow your business... UfitPay virtual card services are designed with awesome set of features to perfectly fit into your cashless life-style needs.

UfitPay virtual card services are available on UfitPay Mobile app and also accessible via Our Virtual Card APIs. Proudly powered by MasterCard.

Get UfitPay App Explore Card API

Why UfitPay Virtual Cards

Multi-currency card with support for USD spending
Self-issued and Ready in seconds
Theft & Fraud Protection with 3D authentication
Available for payments on both local and international platform
Unlimited local monthly spending limit
Withdraw funds from your card to your Naira or USD wallet at anytime
Up-to $2,000 monthly international spending
Issue and manage multiple cards under your account
One-click card activation and deactivation
Available via APIs for developers

How it Works?

Here is a step-by-step guide on how to use our virtual card services. We have also put together an interactive video guide Here for you.

Download the UfitPay app on your device and sign-up an account if you haven't done so already
Follow the prompts on the app to complete your Identity & KYC verifications if you haven't done that also
For added account security, click the Settings icon towards the lower right part of your app then scroll-down and select Set Account PIN to set a PIN on your UfitPay account
Click on the Fund or Deposit icon on the UfitPay app home screen to fund your UfitPay account. You can also do this by making a bank transfer to any of your UfitPay virtual bank account numbers
Now that your account is funded, click on Cards icon on the home screen of your app to open the card section
Clcik New Card button, Select desired card brand (i.e VISA or Verve)
Choose the currency for your card (i.e US Dollar for a dollar card ot Naira for a naira card)
Choose what balance you like to debit for card issueing fee (i.e. Naira or US Dollar, depending on where you have funds)
Enter your UfitPay account PIN to authorize then click Create Virtual Card to finish
Now that your new card is created, Click on the image of the card anytime to view your card details
At this point, your card won't have any balance on it so you need to add funds to it. Click Options button at the top-right and select Fund Card to fund your new card. Once funded, you can start making payments with your card.

Remember that you can create as many cards as you need and fund as many times as you want... awesome right!

What platforms accept UfitPay cards?

Our virtual MasterCards are accepted on almost every platform that supports a virtual card. We have compiled a long list of platforms our Regular VISA card has been tested on; here.

Please note that transactions on Crypto-currency and money transfer platforms may be blocked as those are considered high-risk transactions.

Supported Countries

UfitPay cards can be used to make payments in any country. However, we can only issue our cards to users from the following countries;
- Nigeria
- Kenya
- Ghana
- Ivory Coast
- South Africa
- Sierra Leone
- Togo
- Senegal
- Cameroon
- India
- United States
- United Kindom
- Algeria
- Netherland
- Brazil
- Morocco

How secured is my virtual card?

Our virtual cards are protected against hijack, fraud or theft with the latest 3D card authentication, which requires a 4 – 8 digits PIN as well as One-Time Password (OTP) whenever a payment attempt is made with your card.

You also have an easily accessible feature that allows you block or unblock your card at anytime from our app or via API.

How much does it cost?

Refer to Our Pricing Page to learn more about our card pricing.

What about exchanges & rates?

UfitPay uses discounted opern market rates for all its exchanges. In this way, we are able to guarantee a steady and stable eschange at every instance. Check Here for a real-time open market rate information.

Virtual Card