Currently in 2026, the OPAY virtual card costs N1,000, and the card will be issued to you immediately after you make payment through your OPAY balance. The debit card can be used to make international payments on platforms like AliExpress, Alibaba, Spotify, and YouTube Premium, and it can also be used locally to make payments online on platforms like Jumia. You can also link the virtual card to your Google Pay so that it'll be easier to make in-app purchases.
The OPAY virtual card is now more useful than you can imagine, and in this article, we're going to walk you through the step-by-step guide to obtain your own virtual card inside the OPAY app and how to use it. We'll also answer some frequently asked questions regarding the card. At the end, if you find this article helpful, don't hesitate to share it on at least one of your social media platforms.
Details about OPAY Virtual Card
An OPAY virtual card is a digital-only version of a debit card that is designed for secure online payments. The card is issued with a unique 16-digit number, expiration date, and CVV—basic information needed to complete online transactions where a card is required.
It's important to note that a virtual card is different from an OPAY physical card. A physical card can be used at any ATM to dispense cash, but a virtual card has more advantages when it comes to instant issuance, higher fraud protection via single-use options, and easy cancellation without replacing a physical wallet card.
You can create the virtual card instantly and control your spending limits on the OPAY app. In fact, you can temporary block the card if you don't want any automatic renewal from any service or app.
Verve, Africa's leading domestic payment card scheme and technology brand, issues both OPAY virtual and physical debit cards. In fact, most virtual cards in Nigeria are currently Verve-backed cards, issued in collaboration with Verve International. OPay has also partnered with Mastercard to offer a virtual payment solution specifically for global online shopping.
How to Get OPAY Virtual Card
Currently, OPAY has over 50 million registered users in Nigeria. So, you must have registered an account with OPAY before you can think of obtaining a virtual card. However, if you've not created an account, you'll need to create one account using your NIN, BVN, and address.
If you've not verified your account (KYC), you'll also be required to complete your KYC before you can request a virtual card on the platform. KYC is mandatory for card features, be it the physical ATM card or virtual debit card. You'll be asked to link your BVN and NIN, upload the selfie, and verify your address with proof.
Most importantly, a user must be in tier 2 or 3 before the card features can be unlocked on the OPAY. Additional things you need to know are that getting a virtual card costs N1,000 on OPAY, and this amount will be deducted from your balance or OWealth. So, you must fund your account as part of the requirements.
Once all of that is down, follow these steps to create a virtual card on the OPAY app:
- Tap "Cards" on the OPAY app's interface
- Swipe right to select "Virtual Cards"
- Tap "Create a Virtual Card"
- Choose your preferred "Card Design"
- Confirm your information such as Names
- Accept the term and conditions for using virtual card on OPAY
- Tap on "Get my Virtual Card"
- Create a 4-digit PIN for authenticating transactions.
N1,000 will be deducted from your balance, and the card will be issued and activated instantly with no approval or review required. You can begin using the card for online transactions.
How to Use OPAY Virtual Card
You can use the OPAY virtual card online the way you use MasterCard and Visa Cards. All you need to do is enter the card's number, CVV, expiry data, and the 4-digit PIN on the app or website you want to use it to make payment.
The OPAY virtual card works on YouTube, Spotify, AliExpress, Amazon, Jumia, TikTok Ads, Meta (Facebook) Ads, Shein, Temu, Google Ads, Netflix, Movie Box, Apple Music, DSTV, Alibaba, and Showmax.
The virtual card can also be linked to your Google account (Google Pay/Google Wallet) to make in-app purchases on any local and international platforms.
How to Manage OPAY Virtual Card
There are preferences and options on the virtual card dashboard. As you can see in the image above, you can see the details of your virtual card whenever you need them; you can manage the card settings, such as resetting the PIN and controlling the spending limits; you can manage a dispute if any failed transaction occurs; you can re-customise your card even after you've created it; you can manage the online merchants you deal with using the card; and you can see all the card transaction history.
Under “Card Settings”, you will see many options, including options to set a transaction limit, change or reset your card PIN, manage alert subscriptions which cost N4 per alert, block and unblock your virtual card, customise the card, and cancel the virtual card.
FAQs
Can OPAY Virtual Card Be Used For International Transactions?
Yes, despite that it's a verve-issued card, the OPAY virtual card can be used for international transactions, such as making payments on international e-commerce stores and paying for international streaming subscriptions. In fact, you can link the card to Google Pay to make in-app purchases on international platforms.
Is OPAY Virtual Card Visa or MasterCard?
No, the OPAY Virtual Card is neither a Visa card nor a MasterCard. It is a Verve-issued digital debit card.
Can I Use OPAY Virtual Card for TikTok Payments?
Yes, you can use OPAY Virtual Card to TikTok payments including TikTok ads and purchasing of coins.
Follow these guidelines to use your OPay virtual card for TikTok payments: open your TikTok account via web or app, go to the TikTok Ads payment section and select the service you want to use the card for. Next, choose “Add Payment Method”. Choose “Credit/Debit Card" as your option, and enter your OPAY virtual card details, including CVV, expiry date, and card numbers. You must add it exactly as shown in your OPay app. Next, add your billing information such as billing address and Zip Code. After that, confirm the payment and wait for TikTok to process it. In some cases, OPay may send an OTP to your registered phone number for security verification. Once approved, the card becomes linked to your TikTok account, and future payments such as promotions, TikTok Ads, or subscriptions can be charged directly from the virtual card. So, it's important to always keep enough funds in the card before running campaigns or making purchases.
Is OPAY Virtual Card Free?
No, the OPAY Virtual Card is not free. As of 2026, the card cost N1,000 only to obtain on the OPAY app.
Final Notes
The OPAY virtual card works online for both local and international payments; it cannot be used at point-of-sales (POS) and ATM terminals. Also, it cannot be used for online transactions in dollars (USD), as it pulls money out directly from your OPay wallet balance in naira.
Unlike a physical debit card, no monthly fee is charged on the virtual card as long as you complete at least one transaction within every 6 months, according to standard industry rules. Upon requesting the card, if it's giving “Card option not showing” errors, then you need to complete your KYC to use the card features.
If you get insufficient funds while using the virtual card for online transactions, then you need to fund your OPAY wallet. It's important to note that the OPAY virtual card uses funds available in the wallet balance for transactions. This contradicts some USD virtual cards that store funds directly within.
If you get “Transaction Declined” errors, you might have entered spending limits. You might also have inputted an incorrect PIN. Check your spending limit or reset your PIN in the card management dashboard if any of these is the issue. Lastly, if the card dashboard interface or the entire app is not functioning as expected, then you may need to update your OPAY on your device's app store to the latest version. the
