Payday Virtual Dollar Card 2024: How to Get One | Rate | Limit

  • December 13, 2023

Are you tired of struggling with international online payments? Nigeria’s fintech landscape has the solution for you!

Payday’s virtual dollar card has been a game-changer for Nigerians looking to simplify their financial lives.

In this comprehensive guide, we’ll dive into everything you need to know about the Payday virtual dollar card, including how to activate it, the exchange rate, limits, and much more.

So, let’s embark on this exciting journey of financial innovation! Shall we?

What is Payday Virtual Dollar Card?

Payday virtual dollar card

Payday virtual dollar card is more than just another digital payment solution. It’s a symbol of financial empowerment that addresses the unique needs of Nigerians in the global marketplace.

Since various financial institutions in Nigeria decided to shut down virtual dollar card operations, international online transactions became quite tasking.

Related: How to Get Kuda Bank virtual Card

How Does Payday Virtual Card Work?

Payday virtual card functions just like any other Visa or Mastercard, enabling online purchases and payments. It has filled this void by enabling seamless international payments on platforms like Amazon, AliExpress, and Netflix.

Understanding the Payday virtual dollar card rate is crucial, as it affects the overall spending dynamics.

Check Out: Best Virtual Dollar Card for Online Payments in Nigeria

How to Get a Payday Virtual Dollar Card

Getting a Payday virtual dollar card is an easy and hassle-free process, and we’re here to guide you through every step of the way.

Here’s the step-by-step guide:

1. Download the Payday App

First things first, go to the Google Play Store or Apple Store. Search for the Payday app and click the download button.

Then, wait for the app to install on your mobile device.

2. Create a Payday Account:

Once installed successfully, open the Payday app and tap on the “Create Account” button.

Enter your personal details, including name, email, and phone number.

You may also be required to provide your BVN & Bank Statement for verification.

3. Request for a Payday Virtual Dollar Card:

Once you’re logged in, find the “Virtual Card” section within the app.

Tap on “Request Virtual Card” to initiate the Payday virtual dollar card activation process. Then follow the prompts and fill in the necessary information.

4. Activate the Card

After requesting the card, you’ll receive an activation email or notification.

Follow the instructions in the email or notification to activate your Payday virtual dollar card.

You can now view your Payday dollar virtual card details right on the app.

5. Fund Your Virtual Card:

Next is funding. You can fund your virtual card through wallet funds or bank transfers.

Always ensure that your Payday wallet has a sufficient balance to fund your virtual card when needed.

6. Enjoy Seamless Transactions:

With the card activated, you can now use it on various online and international platforms like Amazon, Spotify, and AliExpress.

Check Out: ALAT Virtual Dollar Card Rate

How to Use the Payday Virtual Card

The Payday virtual dollar card is not just a technological marvel; it’s a practical tool that integrates with various aspects of online payments and transactions.

Here’s how to make the most of it:

Shopping Online

The Payday virtual dollar card works on various online platforms like Amazon, AliExpress, and Netflix.

Simply choose the Payday virtual card as your payment method at checkout and enter the card details.

Concerned about, “Does Payday virtual dollar card work on AliExpress?” Yes, it’s fully compatible.

Sending and Receiving Money Internationally

With the Payday app virtual dollar card, you can easily send and receive money from anywhere around the world.

Transfers within Africa take just 3 to 5 minutes, while outside Africa, it takes 2 to 4 days.

Creating International Virtual Bank Accounts

It’s easy to create USD, GBP, and EUR virtual bank accounts on Payday.

This enables you to transact in various currencies, taking advantage of favorable exchange rates.

Related: CDCare App Review

Understanding Spending Limits on Your Payday Card

The Payday virtual dollar card limit is essential to know. It has a spending cap of $120,000 per month.

Make sure to keep track of your spending to avoid hitting the limit.

Retrieving Card Details on the Payday App

If you ever need to retrieve Payday virtual card details, it can be done effortlessly through the app.

This is handy if you’re shopping on a new device or need to share your details securely.

See Also: How to Get a Payday Loan in Nigeria

Payday Virtual Card: Problem-Solving

Encountering “Payday virtual dollar card not working”?

Customer support is readily available to assist with any issues. They can guide you through resolving any problem, whether it’s activation, usage, or anything else related to the Payday virtual dollar card.

Security Measures on Your Payday Card

The Payday virtual dollar card offers robust security features, ensuring that your financial transactions remain safe and secure.

Always make sure to keep your card details private and only use them on trusted platforms.

Understanding Fees and Charges of Payday Virtual Card

Though setting up the card is free, understanding the Payday virtual dollar card exchange rate and other potential fees ensures no unexpected charges.

Tips on Using Your Payday Dollar Virtual Card

You can activate Payday virtual dollar card for specific uses, such as subscriptions or one-time purchases.

Always check the balance and fund your virtual card from your Payday wallet when needed.

Features and Benefits

Let’s delve into the Payday virtual dollar card limit, rate, and other exciting features that make it stand out:

Exchange Rate

Understanding the Payday virtual dollar card exchange rate helps in effective planning. Payday virtual dollar card exchange rate could range from 500 NGN to 900 NGN per 1 USD.

Spending Limit

The Payday virtual dollar card limit is impressive, with up to $120,000 per month.

Security and Convenience

How to retrieve Payday virtual card details is secure and effortless within the app.

Payday USD Card – FAQs

Here, we answer the common queries, including how to activate Payday virtual dollar card, how to view your Payday dollar virtual card, and other pertinent questions:

Does payday offer virtual card?

Yes, Payday offers a virtual dollar card that’s perfect for online shopping and international transactions.

What is the limit on payday virtual card?

The Payday virtual dollar card has a monthly spending limit of $120,000.

What is the dollar to naira rate for payday virtual card?

The dollar to naira exchange rate for Payday virtual card varies, check the Payday app for current rates.

How long does it take to get a virtual card on payday?

Getting a Payday virtual dollar card is quick; just follow the app’s instructions and get it instantly.


The virtual card for Payday app has undoubtedly revolutionized the way Nigerians interact with the world economically. Whether you’re curious about how to activate Payday virtual dollar card, or need insights on the Payday virtual dollar card limit, this guide has it all.

From convenience to empowering international transactions, the Payday virtual dollar card is here to stay. So why not take control of your financial destiny today? Download the Payday app, create your virtual card, and welcome a world of endless possibilities!