We cannot but affirm the presence of many digital payment systems in Africa, with Payday being one of those smart initiatives. These platforms try to have unique features to stand out among peers. As such, Payday is a fast remittance app innovated by Africans for Africans. It has continued to pride itself as one of the trailblazers in the corridor of payment platforms.

Payday was launched in 2021, and it has grown to be a platform for thousands of users who employ its payment service to send and receive money, shop online using the Payday virtual card, pay bills, etc.

How Does A Payday Virtual Dollar Card Work?

Payday virtual dollar card

A Payday virtual card is a digital dollar card in Mastercard and Visa cards. Since various fintech companies decided to shut down virtual dollar card operations in the country for some reasons, International online transactions have become tasking.

However, we still have a few fintech firms in Nigeria that allow users to access virtual dollar card services. Payday is one of the top virtual dollar card providers in Nigeria. Therefore, you can use your Payday virtual dollar card to send and receive money, make online purchases, and transact on international platforms like Facebook, Spotify, Amazon, Ali Express, and Netflix.

How To Get A Payday Dollar Virtual Card

Getting a Payday virtual dollar card is not difficult. Follow these steps to access the virtual dollar card:

  • Download the Payday app on Google Play Store or Apple Store
  • Create a Payday account by following the instructions promptly
  • Request for a Payday virtual dollar card for free

Furthermore, Payday currently has good ratings on Google Play Store and Apple Store, and there are Payday reviews that enunciate the products and services that the company offers its customers.

Having satisfied the curiosity of whether or not a Payday virtual dollar card works, Payday continues to bail many Nigerians out; once comfortable with the exchange rate, Payday dollar virtual card works out well with online stores both locally and internationally.

Payday virtual dollar card has relieved many Nigerians that would have been affected by the sudden announcement of the suspension of international transactions on the naira cards by banks in Nigeria and many other fintech companies.

Frequently Asked Questions

How Long Do Transfers Take To Deliver With Payday? 

With Payday, transfers within Africa take 3 to 5 minutes to deliver, whereas countries outside Africa require 2 to 4 days.

Can I Set up an International Virtual Account On Payday? 

It is easy to create USD, GPB, and EUR virtual bank accounts on Payday.

How Many Virtual Cards Can I Create With Payday? 

Currently, users can only create one virtual card for one account.

Can I Fund My Virtual Card Directly From My Virtual Foreign Account? 

Currently, it is not possible to fund your virtual card from your virtual foreign account, but it is possible to withdraw to your payday wallet and afterwards fund your virtual card.

Does Payday Charge A Fee For Its Virtual Card?

Setting up a virtual card on Payday is free, and it can be used on several online platforms for transactions at home and abroad. Payday has a spending limit of $120,000 per month.


The way of making payments has significantly changed with the development of Payday virtual dollar cards that enable you to make local and international payments from the comfort of your home. In this regard, you can pay and earn in US dollars while in Nigeria.

However, it is essential to understand the terms of use of the virtual dollar card before going for it. But these cards give you access to payment services of endless possibilities.