USD virtual cards
Issue USD virtual Mastercard instantly. Ideal for international payments, subscriptions and online shopping.
Now serving Nigeria, Kenya and Zambia
Issue cards and deploy USSD through API and dashboard
Complete card issuing infrastructure for Nigeria. Issue USD virtual Mastercard and NGN physical Verve and Mastercard through our REST API or dashboard, and add USSD banking for offline transactions.
- PCI DSS compliant
- White-plain cards ready in 24 hours
- USSD works offline
- REST API and webhooks
150+businesses on the platform
1,500+cards issued
18,000+transactions in the last 12 months
Features
Everything you need to issue cards
Complete card issuing infrastructure for businesses across Nigeria, with USSD and verification from the same wallet.
NGN physical cards
Verve and Mastercard physical cards with EMV chip and contactless, branded for you and ready for pickup or delivery.
Developer APIs
Clear REST APIs with JSON responses and webhooks for real-time events. Integrate in hours, not months.
White-plain cards
Ready-to-pickup white-plain cards with your branding, with no BIN onboarding fee.
Real-time dashboard
Manage cards, track transactions, monitor spending and see performance in one place.
Enterprise security
PCI DSS compliant, with encrypted connections, PIN confirmation and full logs of every call.
Card solutions
White-plain and co-branded cards
Choose ready-to-pickup white-plain cards, or fully custom co-branded cards with your logo and design. Plug them into your wallet, mobile app or any platform straight away.
See card prices
White-plain cards
Ready-to-pickup cards with no BIN onboarding fee. Just a ₦100,000 setup fee for integration.
- Verve: ₦2,100 per card
- Mastercard: ₦2,500 per card
- Minimum order: 20 cards to test your integration
- One-time ₦100,000 setup fee to integrate them into your platform
- Print your logo on white-plain cards and plug them into your platform
- No BIN fee and no financial licence needed
Co-branded cards
Your own design with your logo and branding. Needs a financial licence.
- Choose the scheme: Verve or Mastercard
- Pay for the cards: minimum 1,000 Verve or 2,000 Mastercard
- Pay the BIN fee: ₦3.5M to ₦5M one-time, for up to 1 million cards
- Card art design: 1 to 14 days
- Production and delivery: 10 to 16 weeks
A financial licence is required for co-branded cards.
USD virtual cards
Instant virtual Mastercard for international payments.
- $3 per card
- $1.5 a month maintenance per card
- $1.5 per funding, $2.5 quarterly scheme fee
- Ready as soon as your account is approved
How it works
Card transaction workflow
Seamless integration with real-time webhook notifications.
Fund your wallet
Fund your business wallet (your pool account) so card payments go through smoothly.
Balance check (free)
When a customer checks their balance at an ATM, we ask your server by webhook. It is free.
Withdrawal or payment
We check your wallet first, then ask your server for the customer's balance. If both are enough, we debit your wallet and tell you to debit the customer. If either fails or times out, nothing is debited.
Transaction processing
Once confirmed, the payment goes through at the ATM, on the POS or online.
Real-time notifications
You get a webhook for every transaction, POS, ATM and online, so you can track every step.
Keep your wallet funded
A payment your wallet cannot cover is declined, with a ₦20 charge per failed transaction.
Important: your webhook must always be reachable and answer within 2 seconds. Keep your wallet funded to avoid the ₦20 charge for insufficient funds on failed transactions.
Dashboard
Powerful control at your fingertips
Manage card programs, monitor transactions and analyse performance from a single interface.
USSD solutions
Reach every customer with USSD
Customers without smartphones or data can check balances, pay and buy airtime from any phone. Here is how a dial works.
Customer dials your code
On any phone and any network, for example *123# or *123*11#. No data needed.
The network sends it to us
We check the code is active and charge the session from your wallet, per 20 seconds.
Your menu answers
Screens you built on the dashboard show straight away. No server needed.
Or your server answers
When a screen hands over to you, we send the session to your endpoint with everything typed so far.
You reply CON or END
CON shows a screen and waits for input; END shows a last message and closes.
Every step is logged
Sessions, charges and replies are on your dashboard. Test first on the phone simulator.
Try it now
This phone runs a menu made with our menu builder. Build yours on the dashboard in minutes, or connect your own backend for live balances and payments.
- Dedicated codes (*123#) or shared codes (*123*11#)
- Menu builder, no code needed, or your own server
- Phone simulator to test before you go live
- Billed per 20 seconds, with every session logged
Press Dial to try *123#
A demo menu built with our menu builder. Nothing is sent anywhere.
Developer experience
Your server approves every card payment
When a customer pays, we ask your server for their balance and you approve or decline. Balance checks are free. Your webhook should answer quickly; if it is slow, you can let us decide from your wallet instead.
Already have your own API? Point us to your endpoints and tell us where the fields are. No need to change your code.
Read the API docs// we send to your server
{
"event": "card.authorization",
"unique_identifier": "CUS-10293",
"amount": 500000,
"transaction_reference": "c.auth.84Q1"
}
// your server answers
{
"status": "00",
"data": { "balance": 12500.00 }
}
Pricing
Simple, transparent pricing
No subscription. Everything is charged from your wallet, with a receipt.
USD Virtual Cards
Mastercard virtual cards for international payments
Card creation$3
Monthly maintenance$1.5
Card funding$1.5
Most popular
NGN Physical Cards
Verve and Mastercard physical cards
Verve card₦2,100
Mastercard₦2,500
Monthly maintenance₦100/card
USSD Services
One-time setup fee for code generation and webhook linking
Dedicated USSD (*123#)₦8.8M
Shared USSD (*123*11#)₦250K
Yearly licence renewal₦1.5M
Frequently asked questions
How quickly can I start issuing cards?
Virtual cards are instant after your account is approved. White-plain physical cards are ready for pickup within 24 to 48 hours. Co-branded cards take 10 to 16 weeks to produce.
What is the difference between white-plain and co-branded cards?
White-plain cards use a ready design and can be picked up straight away, with no BIN onboarding fee. Co-branded cards carry your logo and design. They need BIN onboarding (₦3.5M to ₦5M), a minimum order (1,000 Verve or 2,000 Mastercard) and a financial licence.
What currencies do you support?
USD for virtual Mastercard, and NGN for physical Verve and Mastercard. Other currencies are available for enterprise clients.
How does USSD pricing work?
There is a one-time fee to create your code and link it to your server, then a monthly renewal from your wallet. Each session is charged per 20 seconds.
Are verification calls refunded?
No. BVN, NIN and bank account checks are charged per call from your wallet, whatever the result, and are not refunded.
Ready to launch your card program?
Open an account in minutes, or tell us what you are building and we will help you plan it.