Do you have an Opay account and are you looking for how to get a virtual card online in the app? Apply for a virtual Opay card through the Opay app. Go to the cards section, select a standard card, and pay the issue amount.
Get your own virtual Opay card that you can use for online transactions in seconds. Learn about Opay Virtual Card features, how to get one, and related topics.
What is an Opay Virtual Card?
Opay Virtual Card is a Naira digital payment card linked to your Opay wallet and Owealth balance. Using this Opay Naira card, you can pay online for goods and services on various sites, such as Jumia, Netflix, etc. All you have to do is enter the virtual card information, and the money will be withdrawn from your Opay account.
In fact, Opay offers virtual cards to all customers. It’s a Verve card, not a Mastercard. Since this is a virtual card and not a physical one, your Opay cannot be lost or stolen.
Virtual Opay card is issued through the Opay app. Within minutes, you can get your Opay card, activate it, and use it for online transactions.
How to Get Your Virtual Opay Card in Nigeria
Are you wondering “How to create a Virtual Opay card?” Getting an Opay virtual card is quick and easy through the Opay app.
Step 1. Create or log in to your Opay Account
If you are new to Opay, you will need to register for an account. If you are already a user, just log in. Either way, you’re on your way to a virtual Opay card.
Step 2. Go to the virtual card section
After logging in, look for the Virtual Card section. This is where the magic happens; this is where the process of how to make an Opay virtual card begins.
Click on the Virtual Card option, and you are one step away from knowing how to use a Virtual Opay Card.
Step 3. Apply for Opay virtual card
Now is the time to apply for your virtual Opay card. Follow the ordering instructions, fill in the required information, and your order will be on its way.
“Aunt is a free virtual card?” you may ask. Although the card itself is free, you may be charged some fees, so be sure to read the terms and conditions.
Step 4. Select the limit of your Opay Virtual Card
One of the great features of Opay’s virtual card is the ability to set spending limits. Whether you want to manage your spending or set a budget, setting your Opay virtual card limit gives you the control you need.
Step 5. Enter the personal identification number (PIN) of your Opay virtual card
Security is important, so you should create a PIN code for your virtual Opay card. Choose a backup code to remember, as you will need it when building the app.
Step 6. Activate Opay Virtual Card
Before you start using your card, you need to know “How to use Opay Virtual Card.” Do not worry; it’s easy! Follow the instructions on your account, and your card will be ready to use.
How can I verify my Opay Virtual Card?
Once you’ve completed your order, you’ll want to verify your credit card. To view your Opay virtual card details, go to the Virtual card section of your Opay account.
How to recover Opay Virtual Card Data
Lost your credit card information? You may be thinking “How to recover Opay virtual card data.” Log in to your Opay account, go to the Virtual card section, and you will find all the information you need.
How to use the Opay virtual card
Using Opay’s virtual card is a digital wallet that goes directly to your smartphone. Here’s how you can make the most of it:
- Make payments online
Have you ever wondered: “How can I use the Virtual Opay verve card?” It’s easy! Use it as a regular card for online purchases, subscriptions, and more.
- See the action description
“How can I verify my Virtual Opay card”? Log in to your Opay account, and all your transaction details are right there to help you keep track of your spending.
It is important to save your Opay virtual card PIN and details. Always log out of public computers and keep your PIN secret.
Why Choose Opay Virtual card
Opay virtual card is the most popular in the crowded virtual card market. That is why:
- Unique features
From Opay virtual card activation to Opay virtual card USSD code, everything is designed for user convenience.
- Compatibility with Nigerian financial systems
Opay’s Naira virtual card is perfectly suited to local needs.
Is Opay Virtual Card Free?
Opay virtual card is not free but it costs 500 Naira. Opay will charge you 500 Naira when you apply for an Opay virtual card on the app. This amount will be deducted from your Opay account immediately.
So, make sure you have a balance of at least 500 Naira to successfully apply and get your virtual Opay card. If you don’t reach this amount, pay your Opay account by bank transfer.
Interestingly, Opay does not charge card maintenance fees on a quarterly or annual basis, unlike other Nigerian banks.
Can Opay virtual cards be used for international transactions?
You can use an Opay virtual card for international online transactions. It can be used to pay online for goods and services in other countries, like US Dollar, British Pound, and other currencies. Opay Virtual Card is similar to all Nigerian bank debit cards you can use online.
However, Central Bank of Nigeria regulations prohibit the use of naira debit cards from Nigerian banks for international transactions. This also affected Opay virtual card. This limits the amount of money you can use your Opay virtual card to pay for international transactions.
Currently, CBN’s limit for international transactions is $500 per month on Naira debit cards. However, Opay has a special limitation for virtual cards.
Opay Virtual Card Limit
The Opay virtual card daily limit varies depending on the account level. The level of your Opay account determines how much money you can spend with your virtual card.
Below is the Opay virtual card daily limit by account level:
- Opay account type: Opay virtual card limit
- Opay Level 1 Account: ₦50,000
- Opay Level 2 Account: ₦200,000
- Opay Level 3 Account: ₦5,000,000
Therefore, upgrade your Opay account to increase your Opay virtual card limit.
Is it possible to Link Opay Virtual Card with Paypal?
Opay virtual card does not work with a PayPal account. You cannot link your Opay debit card to your PayPal account. PayPal does not accept this. This is not only for the virtual Opay card but also for other Nigerian Naira debit cards.