Virtual & Physical Cards in Nigeria — Naira and Dollar Cards
A card in minutes, in Naira or Dollar, on the networks you know.
Some payments will not take a transfer: online subscriptions, foreign websites, and the shops that only accept a card. InspireMe Pay issues virtual cards you can use immediately, and physical debit cards you can carry.
Your card is funded from your wallet balance, so topping up your wallet is the same as topping up your card. Card details, spending limits and freezing are all managed inside the app.
Cards are issued on the networks available to your account — Verve, AfriGo, MasterCard or Visa — and the network is chosen when you request the card.
Card options
Naira virtual card
A Naira-denominated card for online payments in Nigeria, issued instantly.
Dollar virtual card
A USD card for international websites and subscriptions that do not accept Naira cards.
Physical debit card
A card you can hold — request it in the app and use it at ATMs and POS terminals that accept the network.
The networks you know
Cards are issued on Verve, AfriGo, MasterCard or Visa, depending on what is enabled for your card type.
Spending controls
Set a spending limit, freeze the card when you are not using it, and view the masked card number any time.
Card details when you need them
View the number, expiry and CVV inside the app so you can pay online without digging through your bag.
How it works
- 1Open Cards in the app and choose the card type you want.
- 2Pick the card network available for that type.
- 3Confirm the card fee, which is shown before it is deducted from your wallet.
- 4Your virtual card is issued and its details appear in the app.
- 5Fund your wallet to load the card, and freeze or unfreeze it at any time.
Why use InspireMe Pay for this
Available across Nigeria
InspireMe Pay cards are used by customers in Lagos, Abuja, Port Harcourt, Ibadan, Kano, Enugu and beyond — anywhere in Nigeria that needs a card for online shopping, subscriptions or everyday spending.
More ways to use your wallet
Pay bills online →
Electricity tokens, TV, internet, airtime and data from one wallet.
Airtime to cash →
Convert MTN, Airtel, Glo and 9mobile airtime into spendable funds.
QR payments →
Scan and pay as a customer, or collect payments as a merchant.
Send money →
Bank transfers, wallet-to-wallet payments and a virtual account to receive on.
International accounts →
USD, EUR and GBP accounts, plus cross-border payments for Nigeria.
Savings →
Fixed savings plans that earn interest, with auto-save from your balance.
Investments →
Investment plans, portfolio tracking and IPO subscriptions.
Loans →
Short-term loans from your wallet, subject to eligibility.
WhatsApp banking →
Send money, buy airtime and pay bills by chatting on WhatsApp.
USSD banking →
Check balance, send money and pay bills without internet.
Voice banking →
Pay bills and send money by speaking, in four Nigerian languages.
Airtime & data →
Instant recharge and data bundles on all four major networks.
Live metering →
Buy prepaid tokens and monitor your meter balance live.
Flight booking →
Search and book local and international flights from your wallet.
Event tickets →
Buy tickets for concerts, shows and events, paid from your wallet.
Merchant payments →
QR collections, inventory, sales reports and staff access for SMEs.
Languages →
Use the wallet in English, Yoruba, Hausa or Igbo.
See everything →
All InspireMe Pay services, channels and security features.
Frequently asked questions
How do I get a virtual card in Nigeria?
Open the Cards section of the InspireMe Pay app, choose a virtual card, select the card network available for it, confirm the fee and your card is issued. Its details are then available in the app for online payments.
Does InspireMe Pay issue Dollar cards?
Yes. A USD virtual card is available for international payments and subscriptions that do not accept Naira cards. The fee and the networks available for the dollar card are shown in the app when you request it.
Which card networks are supported?
Cards are issued on the networks the issuer has enabled for us, which include Verve, AfriGo, MasterCard and Visa. The available networks are listed when you request a card, and may differ between card types.
What does a card cost?
Each card type has its own fee, and the exact amount is shown on a confirmation screen before it is deducted from your wallet. Virtual cards are cheaper than physical cards, and the price list is kept inside the app.
Can I freeze my card if I lose it?
Yes. Every card can be frozen from the Cards screen, which stops new payments on it immediately. You can unfreeze it at any time once you are sure the card is safe.
Do I need to complete KYC before getting a card?
Yes. Cards are issued to verified accounts, so you need an approved verification. The higher your verified tier, the more card options become available to you.
Start with your wallet
Create a free InspireMe Pay account, fund your wallet, and use it from the app, WhatsApp, USSD or by voice.