OPAY virtual card is a digital verve card used for online transactions within Nigeria. The card is issued and stored inside your OPay account with it 16-digits card number, expiry date, and 3-digits CVV security code. The card can be used to pay for goods and services online on platforms like Jumia, Netflix, Apple Music, and YouTube Premium.
The card can also be used for payment on international transactions on platforms that integrate their payment collections via Google Play or Apple Store. The verve debit card is also link to platforms that require card payments to facilitate payments on any platforms naira (NGN) accepted.
However, it's important to note that OPAY virtual card is not issued by MasterCard or Visa. It's issued by Verve, a card issuance and domestic payment fintech company that facilitates seamless transactions across various channels, including online, POS terminals, and ATMs in Nigeria and Africa.
OPAY Virtual Card for International Transactions?
The OPay Virtual Card can be used for international payments on platforms or websites that accept naira (NGN) as a mode of payment for Nigerians. Apps that integrate their mode of payment collection via Google Play and Apple Store can also collect payment using the OPay virtual cards.
However, it's important to note that the virtual card cannot be used for international transactions facilitated using foreign currencies like United States Dollar (USD), European Union Euro (EUR), or Great British Pound (GBP). The card can only be used for naira payments online on both international and national platforms.
How to Use OPAY Virtual Card
Follow these steps to use the OPAY virtual card to make payments online both on foreign platforms and local platforms that accept NGN:
- Open your OPay app and log in to your account.
- Go to the Cards section and select your virtual card.
- Copy the card details (card number, expiry date, CVV).
- Visit the website or app where you want to make payment.
- Select “Pay with Card” at checkout.
- Paste the virtual card details.
- Input the card PIN and confirm payment.
- An OTP will be sent to your OPay registration number, confirm the OTP verification request.
- Wait for payment confirmation from the merchant.
Note: These steps are also the same ways to add your OPay virtual cards to Google Play account and Apple Store account. Once the card is added successfully, the card details will be stored and the apps stores will charge your card directly for in-app purchases without having to input the card details again.
How to Fund OPay Virtual Card
You don't need to add money to your OPAY Virtual Card to use it for payment online. The card charges directly from your OPAY wallet balance. In nutshell, OPAY virtual card draws money directly from your OPay wallet balance whenever you make a payment. So as long as your OPay account has enough money to cover the transaction, the virtual card will work instantly.
FAQs
How Much is OPay Virtual Card?
OPAY virtual card os not free; the card issuance fee is N1000. The card uses 3 years before it expires. This means you'll need to pay another issuance fee when the card expires to request a new card.
Is OPay Virtual Card a Mastercard?
OPAY virtual card is neither a MasterCard nor a Visa Card. It's a digital debit card issued by Verve Global. So, OPay virtual debit card is a Verve Card.
What is the OPay Virtual Card Limits?
The working minimum OPAY virtual card limit you can set is N250,000 and the maximum is N5,000,000.
Does OPAY have a virtual dollar card?
OPay does not currently offer a USD virtual card. The fintech provides Naira-denominated virtual cards and physical debit cards which work within Nigeria and for certain online payments in Naira.
Conclusion
OPay virtual cards can actually be used for international transactions but it'll only work on international platforms like Alibaba, AliExpress, Temu, and more that accepts naira (NGN) as a currency of payment for Nigerians.
The virtual cards also works for international transactions for platforms that integrate payments via Google Play and Apple store. Did you get values from this article, please don't hesitate to share and drop your opinions in the comments section. We'll reply as soon as possible.
