OPay MasterCard: Does OPAY Have a MasterCard?
Many OPay customers in Nigeria are asking if the fintech have a MasterCard because they believe that with a MasterCard or VISA Card, they'll be able to complete international transactions such as making purchases on Alibaba and Aliexpress E-commerce websites.
But it's unfortunate to announce to you that OPAY currently do not offer a MasterCard. OPAY offers two card via it app in Nigeria; the physical debit card and the virtual card which can be used for online transaction such as payment for streaming platforms like YouTube Premium, Apple Music and many more in Nigeria.
The OPAY Physical Debit Card will be delivered to your submitted address upon request via the app. The debit card can be used at any ATM and POS location nationwide. The OPay physical debit card can also be used for online transactions on websites that accept Naira as their primary currency.
Both the OPAY Physical Debit Card and Virtual Card are locally issued Verve Card. They are not a MasterCard or VISA Card.
Does OPAY Have MasterCard?
No, OPAY do note currently have MasterCard or offer MasterCard/Visa Card to Nigerians. Many people have been talking about the partnership between MasterCard and OPAY. Yes, that's true, OPAY and MasterCard form an alliance but it's for the purpose of growing cashless ecosystem and advance digital financial inclusion for millions and for offering a MasterCard Debit Card for Users.
As per the information posted on MasterCard's website, "the collaboration enables OPay consumers and merchants in the region - including Algeria, Morocco, Egypt, Nigeria, Ethiopia, Kenya, Pakistan, South Africa and the UAE - to engage with brands and businesses anywhere across the globe, thanks to a Mastercard virtual payment solution linked to the OPay eWallet."
In a nutshell OPAY is not currently offering a MasterCard or Visa Card in Nigeria. If you need a MasterCard or a card that can carryout international transactions, it's better to explore other options like Chipper Cash Dollar Card.
OPAY Virtual Dollar Card
It's also important to let you know that OPay do not offer a Virtual Dollar Card to Nigerians. OPAY only provides a Virtual Naira Card that the card is issued as a Verve card which means it can only work on websites that accept Naira as their primary currency.
The OPay Virtual Card is a digital card linked to your OPay account, allowing you to make online payments without needing a physical card. It works just like a regular debit card but is entirely digital. You can use it for purchases on local websites that accept card payments.
To get an OPay Virtual Card, you need to have an active OPay account. Once logged in, you can request the virtual card through the OPay app by navigating to the card section and following the instructions. The card details (card number, expiration date, and CVV) will be generated instantly for you to use.
Although the OPAY Virtual Card is free to create. However, it's important to know that the card has spending limits that are determined by your OPay account level and the amount of money you have loaded onto the card.
FAQs
Can I use OPay Card for online payment?
Of course, you can use both OPay physical debit card and virtual card for online payment. However, it's important to note that the OPay Cards work only on naira accepted websites.
Does OPay have MasterCard?
No, OPAY does not have a MasterCard in 2024.
How can I get OPay Card?
To get OPay Card, kindly login to your OPay App and click on "Cards" tab at the bottom of the app's dashboard. Choose your prefer Card type. If you're choosing a Physical Debit Card, you'll be required to enter your home address so that the card can be delivered. For virtual card, jsut tap on request card and within 24 hour, your card will be available for use. To activate your debit card upon delivery, login to your OPAY app, click on "cards", choose "physical card' and click on receive card. Next, you'll be asked to setup card PIN - setup the card and PIN and click on "Activate".
Does OPAY have VISA Card?
No, OPAY is not offering Visa Card as of now.
Can I use OPay Virtual card for international transactions?
No, the OPAY Virtual Card or ATM Card cannot be used for international transactions. The OPAY Cards work on Naira accepted websites only. Although, some internation companies are accepting Naira, you can use the OPAY virtual card on those websites and apps. But if the websites like Alibaba and AliExpress are not accepting naira payment, then the card won't work.
Hpw long does it take to deliver OPAY Card?
Usually, it can take up to 7 business days to get your OPAY debit card delivered to yout doorstep. It's important to note that your geographical location can also participate in the card delivery delays.
How much is OPAY Card?
While OPAY Virtual Card is free of charge, the physical debit card cost N2500 which is the delivery fee. Card issuance fee and maintenance fea are N0. To reduce the cost of the card, you can choose to "Pick up the card from nearby merchants".
Does OPay card have CVV?
Yes, the OPay Virtual Card does have a CVV (Card Verification Value). The CVV is a three-digit code found on most debit and credit cards, and it's used as a security feature to verify online transactions. When you receive your OPay Virtual Card, you'll be provided with the card number, expiration date, and CVV code, just like with a physical card. This CVV code is required whenever you make online payments using the OPay Virtual Card, ensuring an extra layer of security for your transactions.
Is OPay virtual card a Mastercard?
No, both the OPay Virtual Card and Physical Debit Card are Verve Card. OPay is yet to offer Mastercard. This means the OPAY Cards are not accepted for international transactions.
