This essay is for you if you're trying to figure out how to get a virtual credit card in Ghana, Nigeria, or anywhere else in Africa and want to do it the best way possible.
In today's environment, using a credit card is a common form of payment. Digital payments via credit cards, cryptocurrencies, and other means are accepted on several Market platforms. Because using digital platforms makes things simpler, every market must participate. This makes having a virtual payment method—like a virtual credit card, bitcoin, or other electronic payment gateways—essential for everyone.
Now, what is a virtual card? It is also a credit card or a type of credit card that enables you to purchase items or things online without necessarily getting in contact with the card physically. Unlike the normal credit card, virtual card issuers only give you a virtual card number, CVV, and the card’s expiry date but not the physical card itself.
virtual can be used in both local and international transactions such as buying goods and services from online marketplaces like Jumia, Amazon, Aliexpress, Alibaba, etc. Also, you can use this card to pay for services, and some also allow you to receive payments from others. You can use these cards to buy services such as hosting packages, freelancing services, and many more.
Most people also need these cards for their PayPal verifications.
Read also Passion Air Ghana: How to book a flight,prices, contacts and flight schedules.
Below are the three methods that I have tested and want to recommend to you. I would like you to read the whole content before making your final decisions since some have limitations and some special offers.
Note that you can apply for these cards without necessarily walking to a bank.
Ways To Get Virtual Credit Card In Ghana and Nigeria - PalmPay Image
1. PalmPay
PalmPay is a payment system that enables you to make payments to friends and family, buy credit and internet data, and also allows you to pay your bills.
I love PalmPay because they always reward you whenever you make transactions, and you can use these points to buy airtime and data bundle.
They give you a free VISA virtual card that can be used anywhere VISA is accepted.
Requirements for your Virtual Credit Card
You must be Tier 2 member before you can apply for a card. In order to be a Tier 2 member, you need to verify your identity by taking a selfie with you an ID card, driver’s license, SSNIT card, etc.
Limitations
Max 24 hours debit GHC10,000.00
Max Card Balance GHC45,000.00
Max Card Load amount per 24 hours GHC2,750.00
Max Card Load amount per 24 transaction GHC2,750.00
Max Card Load amount per Month GHC70,000.00
Max Card Load amount per Quarter GHC280,000.00
Source: PalmPay App
Ecobank (Xpress Account)
Ways To Get Virtual Credit Card In Ghana and Nigeria
Ecobank is a pan African bank which is operating in 36 Africa countries.
Ecobank’s mobile application enables you to create a virtual VISA card used in many local and international transactions.
I use this because, with Ecobank’s mobile app, you can have up to two shopping cards and up to five gift cards.
With this Ecobank app, you start by creating an Xpress account if you don’t have an account with them.
They offer two types of cards; Shopping cards which you can have a maximum of two, and gift cards, which you can also have a maximum of 5.
Their Shopping cards cost GHC5.00, valid for 12 months, and their Gift cards also cost GHC10.00, which lasts for only three months.
You can reward us by using our referral code 233541709799. You can enter by tapping on your profile picture, invite a friend, tap on reward a friend and enter our 233541709799 then tap on proceed.
Barter by FlutterWave
Ways To Get Virtual Credit Card In Ghana and Nigeria -
Flutterwave
Like PalmPay, Barter by FlutterWave is a payment service that helps you pay for your bills, shop online, and buy airtime and data bundles.
Barter by Flutterwave enables you to create unlimited virtual cards for your online purchases.
They also have two types of cards; a Virtual card which costs $2.00, and a Gift card, which also costs $4.00.
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