Can I fund a virtual card with naira?

Yes — top up via instant NGN bank transfer and convert to USD at a rate quoted before you confirm. You can also fund with USDT or USDC directly if you already settle trade in stablecoins.

Is USDT funding really supported?

Yes. Stablecoin top-ups (USDT and USDC) are a first-class funding method, reflecting how much Nigerian cross-border commerce already settles that way. Funds convert into card-spendable USD balances.

What limits apply to cards for Nigerian businesses?

You set the limits. Each card carries its own per-transaction and monthly caps, merchant and country rules, and can be frozen or deleted at any time — the platform does not impose the low blanket caps associated with naira cards.

Virtual Cards

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Virtual Cards · Nigeria

The Dollar Card Naira Cards Couldn’t Be

Fund with a naira transfer or USDT and spend in USD anywhere Visa or Mastercard is accepted online — international billing that works while naira cards stay restricted.

Create Virtual Card Book a Demo

Fund with NGN or USDT
Spend globally in USD
Per-card hard limits

Nigerian businesses know the pattern too well: international payments declined on naira cards, spending caps that change without notice, and years in which many banks suspended international transactions on naira cards altogether. Meanwhile the business still has ads to run, suppliers to pay and software to renew — all priced in dollars.

A KeyBS Pay virtual card breaks the dependency on bank card policy. Fund your wallet with a naira transfer or with USDT/USDC — the settlement rail much of Nigerian cross-border trade already uses — and issue USD virtual cards with limits you control. One for the ad account, one per supplier, one per tool.

Fund your card in Nigeria

Local currency: Nigerian naira (NGN) — conversion is quoted on screen before every top-up.

NGN Bank Transfer

Fund from any Nigerian bank account via instant local transfer, with NGN→USD conversion quoted before you confirm.

USDT / USDC

The rail Nigerian cross-border trade runs on — fund cards from stablecoins directly, no banking bottleneck.

USD Wallet Balances

Receiving dollars from exports or clients? Fund cards straight from your USD balance at face value.

Multi-Currency Options

EUR and GBP balances are supported too, for businesses billing or spending across several currencies.

How businesses in Nigeria use their cards

Ad Accounts That Stay Live

USD cards keep Meta, Google and TikTok billing running where naira cards decline.

China & UAE Sourcing

Per-supplier cards for marketplace orders and deposits along Nigeria’s biggest trade corridors.

SaaS & Tools in USD

Hosting, design, analytics and AI tools billed reliably on capped per-tool cards.

Common questions

In recent years many Nigerian banks restricted or suspended international transactions on naira cards, and where allowed, monthly caps are often far below business needs. A USD-funded virtual card removes that dependency — you spend from dollars you loaded yourself.

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Ready to create your first card?

Verify your business online, fund your wallet, and issue virtual Visa & Mastercard cards in seconds.