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Home Sectors Tech News

Virtual dollar cards: Here are 5 alternatives to Flutterwave’s Barter card

Samson Akintaro by Samson Akintaro
July 18, 2022
in Tech News
virtual USD account
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Flutterwave last week announced the suspension of its virtual card service, Barter card, due to what it described as “an update from our card partner, which will cause the card service to be unavailable for an extended period of time.” This has thrown many Nigerians who rely on this channel for their dollar transactions on edge.

For international online transactions such as paying for Facebook ads, buying on Amazon, on Google, Spotify, or even subscribing to Netflix, it is quite difficult to use your normal bank debit card.

Moreso, with the $20 daily limit on international transactions by Nigerian banks, it becomes practically impossible to transact business internationally. Interestingly, the introduction of virtual cards has proffered a solution to this for many Nigerians.

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What is a virtual dollar card?

A virtual card is a card with all the features of a regular credit or debit card, but one that is not physical. It is an online account like your regular bank account. Virtual cards allow you access to your bank accounts and make transactions in the same way as a physical debit or credit card without carrying it around. Some virtual cards also offer cashback deals which means you can earn rewards on everyday spending like groceries or utilities.

Other virtual dollar card services available in Nigeria

While many had relied on Flutterwave’s Batter me for virtual card service, the suspension, effective from July 17, 2022, means that users will no longer be able to buy or make international payments on the platform anymore. Here are 5 other alternatives:

Chipper Cash

Chipper cash card is a pre-funded and reloadable virtual visa card that can be used anywhere online for payment. The card works in the same way your local bank card works online. The card can be used for online purchases anywhere Visa cards are accepted. It can also be used to book flights, subscribe to Netflix, or buy anything online easily from your Chipper cash wallet.

Chipper Cash has two types of wallets/accounts – tier 1 and tier 2. Tier 1 wallet has many limitations but tier 2 allows you to access more features of the app. Chipper Cash says it offers 5% cash back on all purchases.

ALAT Virtual Dollar Card

ALAT is a digital-only brand operated by Wema Bank, a commercial bank active in all of Nigeria. It offers a complete banking package, with bank account, physical debit card, savings, loans, and it is one of the best virtual dollar cards in Nigeria. Once your account is set up and funded, you can load your card straight from your naira balance for up to $20,000 and change the dollars back into naira if you need to. However, you can’t use it on money transfer websites, and it is not compatible with 3D Secure.

Wallets Africa

Wallets Africa is a Nigerian startup that offers virtual and physical naira and dollar cards. Considering the true nature of these credit cards, it makes them great for travelling, which is something many Nigerians are struggling to do due to the increase in theft.

For travellers who don’t want a physical card to be seen when travelling, this digital wallet is 100% risk-free. All you need to provide is your email address at checkout, and your billing information will remain private as well. However, this comes with a price, as your card comes with a monthly $1 fee, a $0.75 fee on every foreign transaction, and a 2% fee to load it from an external account.

Fundall

Fundall is a Nigerian digital bank providing a wide array of financial services to private and business customers, from a bank account and budget planning to saving pots and loans. They’ve recently launched a virtual dollar card to spend money online without barriers, offering the first card for free, with a minimum load of $5.

Minty Bank

The Mintyn Bank Virtual Dollar Card provides numerous benefits to freelancers, entrepreneurs, merchants, and sole proprietors who do business at home and abroad. With Mintyn’s Virtual Dollar Card, a non-physical dollar-denominated card, customers can pay for international services like Amazon, Apple Music, Netflix, eBay, WordPress, and many more.

To enjoy the many benefits which Mintyn’s Virtual Dollar Card offers, all a customer needs to do is log into their account on the Mintyn app and activate a personal Virtual dollar card which takes less than a minute.


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Tags: AlatBarter appChipper cashFlutterwaveFundallMintyn Bankvirtual card serviceVirtual cardsWallets Africa
Samson Akintaro

Samson Akintaro

Samson Akintaro is a tech enthusiast and has over a decade experience covering and writing about the tech industry. He is currently the Tech Analyst at Nairametrics.

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Comments 24

  1. Doja says:
    July 18, 2022 at 2:26 pm

    Great Article. Very useful. I’d like to see another one about cards that can work with PayPal with regard to the dual exchange rate.

    Reply
  2. ella says:
    July 18, 2022 at 5:35 pm

    Mintyn is powered by Flutterwave, Barter. It is no longer working.

    Reply
  3. Brume says:
    July 18, 2022 at 6:19 pm

    Your article isn’t accurate so kindly edit.

    I chatted with Minty and ALAT last weekend, and they no longer offer virtual dollar cards

    Chipper replied my enquiry today and their limit monthly is $5k.

    I’m yet to confirm from Fundall and WalletAfrica.

    Reply
    • Sam says:
      July 20, 2022 at 2:11 pm

      Please when you get a reply from the other, kindly share so we can have an insight on what to do. Thanks

      Reply
    • Iyke says:
      July 21, 2022 at 3:28 pm

      FundAll suspended theirs too. It seems Flutterwave powered most of the other virtual card issuers in Nigeria.

      Reply
    • Aaron says:
      July 21, 2022 at 10:34 pm

      Fundall is powered by flutterwave. i just tried it, they are temporarily unable to provide dollar virtual cards. I honestly don’t know who wrote this article. No offense but i wasted my time

      Reply
    • Henry says:
      July 24, 2022 at 11:09 am

      Thanks. Will try Chipper tomorrow

      Reply
      • ivowi says:
        July 30, 2022 at 7:46 am

        chipper is useless, they don’t have a billing address

        Reply
        • Brain says:
          December 14, 2022 at 7:39 am

          They not in Nigeria and as such do not have a Nigerian office…

          Reply
    • Brain says:
      December 14, 2022 at 7:36 am

      In truth, I have never had the need to reach the Chipper Cash account limits, so I really do not know how it works or what the restrictions may be. However, I do have a Chipper Cash Account, and I can tell you, outside some issues like annoying system maintenance which makes converting Naira to Dollar delayed, and just general slow network on their end (I wanna believe…), their service is fine to me.

      Plus, their cashback policy in my opinion is just crazy, times without number, I’ll go to my account and see monies in excess of what i should have only to find i got cashback, which in most cases I simply add to my existing dollar card and just use to make more transactions or buy airtime or data. I once even got as much as N1,200 cash back which I used to load more data. Oh! Did I also mention that their airtime purchase discounts is really cool too?

      Overall, better service, particularly annoying downtime may be wished of them however, in my opinion, they are a class above the rest, for now…

      Reply
  4. Osas says:
    July 18, 2022 at 7:12 pm

    The so called alternatives you mentioned are also powered by flutterwave. So when flutterwave suspends their service. They too are out.

    Reply
  5. Uche Mordi says:
    July 18, 2022 at 7:22 pm

    Alat $$ card isn’t functional I tried opening it but the service wasn’t available

    Reply
  6. Ron says:
    July 20, 2022 at 7:07 am

    The Alat team need to do more work pushing thier products, i have had an Alat account for years but didn’t know about the virtual dollar card till now

    Reply
  7. Ade says:
    July 20, 2022 at 10:27 pm

    geegpay.africa is a reliable option

    Reply
  8. Clement Ifeanyi says:
    July 23, 2022 at 12:41 am

    Anyone tried wallet Africa

    Reply
    • Rowland says:
      July 25, 2022 at 2:58 pm

      Yes. Wallet Africa is working currently but they charge $1 on every successful transaction. Their rate is 605/$

      Reply
    • Muhammad Lawal says:
      August 3, 2022 at 9:51 pm

      Please don’t make the mistake of trying Wallets Africa. The guys there are fraudulent. You will create account, verify it, fund the account without stress. Once they have your money, to create dollar card na problem. Your transaction will hang forever and the idiots don’t reply complains.

      They stole my money for 4 days and no response yet.

      Please check their Twitter feed to see how people are complaining about their services.

      Reply
  9. Muhammad Lawal says:
    August 3, 2022 at 9:56 pm

    My experience with Wallets Africa.

    That business is into some suspicious activities. Please don’t make the mistake of depositing huge sums using their service. They will frustrate your life. The guys there are fraudulent. You will create account, verify it, fund the account without stress. Once they have your money, to create dollar card na problem. Your transaction will hang forever and the idiots don’t reply complains.

    Worst is, if you complain a lot about the deductions or ask for reversals, they will lock down your account and you will not even have access to the account – let alone know what’s up with your money.

    They stole my money for 4 days and no response yet.

    Please check their Twitter feed to see how people are complaining about their services. I DM-ed the CEO @thejohnoke and the idiot blocked me. Practically, they are thieves.

    Reply
  10. lucky says:
    August 4, 2022 at 7:51 pm

    Nice one

    Reply
  11. Mirabel says:
    August 8, 2022 at 11:36 am

    9pay was the best. I don’t know what went wrong and they suspended their services. I started using barter by flutterwave and they suspended their services as well. I’m glad I read all these comments cos I for enter one chance. Please what is the way forward now.

    Reply
  12. Mustapha says:
    August 17, 2022 at 8:51 pm

    Wow

    Reply
  13. Temitope Gold Opeyemi says:
    August 24, 2022 at 2:05 am

    every services mentioned here is not working anymore.

    Reply
  14. ADEWALE says:
    August 26, 2022 at 5:56 pm

    Please don’t make the mistake of trying Wallets Africa. The guys there are fraudulent. You will create account, verify it, fund the account without stress. Once they have your money, to create dollar card na problem. Your transaction will hang forever and the idiots don’t reply complains.

    Reply
  15. OG says:
    January 16, 2023 at 8:18 am

    Wallets Africa should not be in this list at all.
    I lost funds to them after I have read this post thinking they are realizable not knowing they are scammers.

    Please also ways check this platforms ratings on the app and play store before recommending them

    Reply

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