Hello guys! In this article, we are going to explain how you can use the OPay Virtual Card to make payment on the web. The OPAY Virtual card is a digital payment card that allows users to make transactions online without the need for a physical card. It functions similarly to a traditional ATM or debit card but is generated digitally with a dedicated unique card number, security code (CVV), and expiration date.
However, it's important to know that some virtual cards provides details that can be used for once. That is the CVV, card number and expiry date will be generated for every each transaction. Meanwhile, the OPay Virtual Card details are permanent once the virtual card is created.
I requested my virtual card on OPAY three years ago, and till date, I'm still offer the same CVV, PAN and Expiry Date. Primarily, sticking to one virtual card's details is important for revolving around security, management, and convenience. Imagine your card details have already been saved on your browser, any time you want to carryout web purchase, the details will be inputted automatically rather than generating a new virtual card details.
With that being said, OPAY virtual cards are designed for users to facilitate any online transactions on any merchant's website or webstore where Nigerian-Naira is denominated. Any other currencies like USD, GBP or EUR will not be accepted. This is the major reason why the OPAY virtual card will not work for international website like AliExpress or Alibaba web purchase.
So, What Is OPAY Virtual Card Used For?
The OPAY virtual card is primarily designed for local transactions in Nigerian Naira and is not suitable for international online transactions. This is mainly because the card is issued as a Verve card, which is only accepted within Nigeria and cannot be used for payments in foreign currencies like USD. Additionally, many international merchants do not accept Verve cards, further restricting its use for global shopping.
Despite these limitations, the OPAY virtual card is still useful for various purposes within Nigeria. It can be used to make online purchases on Nigerian websites that accept Naira payments, subscribe to local services, and verify accounts on platforms that accept local cards. However, for international transactions, other card options like Visa or MasterCard would be more appropriate.
How to Activate OPAY Virtual Card
Follow the steps highlighted below to request and activate the Virtual Card on your OPAY App in Nigeria:
- Sign-in to your OPAY Account via App.
- Click on "Cards" at the bottom Menu of your dashboard.
- Swipe Left to take you to "Virtual Card Dashboard".
- Now, click on "Get Virtual Card"
- Follow the prompts instructions and within 24hours, your virtual card will be live, active and ready for use.
How to use OPAY Virtual Card
To use the OPAY virtual card in Nigeria, you first need to log into your OPAY app. Once logged in, navigate to the "Card" section in the app and request a virtual card. The card is typically ready for use within 24 hours. To fund the card, you can transfer money from your OPAY wallet or link it to another bank account.
The OPAY virtual card can be used for online purchases on Nigerian websites that accept Naira payments. It's useful for buying goods and services, paying for subscriptions, and verifying accounts online. However, it’s important to note that the OPAY virtual card is a Verve card, which is not accepted for international transactions or for purchases in foreign currencies like USD. It's strictly meant for local transactions within Nigeria.
Managing your OPAY virtual card is simple and can be done directly from the app. You have the ability to freeze or unfreeze the card, set spending limits, and view your transaction history, giving you control over your spending and security.
The OPAY virtual card offers several benefits, including enhanced security since the card details are stored securely in the app, reducing the risk of fraud associated with physical cards. It also provides convenience by eliminating the need for a physical card, making online transactions quicker and easier. Additionally, the card is free to issue, making it a cost-effective option for online payments within Nigeria. However, keep in mind its limitations for international transactions.
In a nutshell, the OPAY Virtual Card can be used for:
- Online Purchases on Nigerian websites that accept Naira.
- Paying for Subscriptions to local services.
- Account Verification on platforms that accept local cards.
Is OPAY Virtual Card Free?
Yes, The OPAY Virtual Card is Free to GET, and you can easily request it through your OPAY account without any issuance fees. However, it's important to note that while the virtual card itself is free, there are fees associated with OPAY's physical cards, such as delivery or pickup charges and issuance fee. Meanwhile, these do not apply to the OPAY virtual card.
OPAY Virtual Card Limit
The OPAY Virtual Card Limit can be adjust to N5,000,000 daily transaction as shown in the image below:
At first, the Limit will be at N50,000 which is the default limit. To increase the virtual limit, you need to login to the OPAY Virtual Card App, navigate to "Cards" section and swipe left to "Virtual Card". Click on "Card Settings" and "Set Transaction Limit".
Once you're done adjusting the Limit to your preference, click on "Done" and the limit of your OPAY Virtual Card will increase immediately. You can then proceed to use the card to purchase goods of higher amount on the web.
Can OPay virtual card be used for international transactions?
NO! Like we've discussed in this article, the OPAY virtual card is designed specifically for online purchases within Nigeria and cannot be used for international transactions. It operates as a Verve card, which is limited to payments in Nigerian Naira and does not support foreign currencies like USD. This makes it unsuitable for international online shopping or services that require payments in other currencies.
Additionally, many international merchants do not accept Verve cards - this further limiting you to use the OPAY virtual card for global transactions like making payment on Alibba or AliExpress online store.
In a nutshell, while the OPAY Virtual Card offers payments convenience for local online purchases, it lacks the broader acceptance and capabilities of international cards like Visa or MasterCard. If you need to make international transactions, you would need to use a different payment method such as Chipper Cash Dollar Card that supports such activities.
