Designed for NigeriansVirtual Cards for Nigerian Residents
Create US-based, virtual credit cards instantly, with no credit checks. Bypass naira card restrictions and pay at 150M+ US and international merchants. The best virtual card provider for Nigerian residents is Halocard.
Takes less than 5 minutes
“Nigerian banks suspended international transactions on naira cards for years. Even now, the limits are tiny. Halocard gave me a proper US credit card — I can finally pay for tools and subscriptions without worrying about blocks.”
Chidi O.
Tech Entrepreneur, Lagos
Why Nigerian residents need Halocard for international payments
Real Visa credit cards issued from the USA
Nigerian banks suspended ALL international naira card transactions for three years (2022–2025). Even now, limits are just $1,000/quarter. Halocard gives you US-issued Visa credit cards with no local banking restrictions.
More virtual cards for every purchase
Create dedicated cards for SaaS subscriptions, freelance tools, and international services. Isolate costs and prevent billing surprises.
US billing address included
Every card comes with a US billing address (or choose to nominate your own) which is essential to access US-only services and pass address verification checks.
Independent of Nigerian bank restrictions
Halocard operates outside the Nigerian banking system. No CBN FX restrictions, no $1,000/quarter caps, no dependence on local dollar liquidity.
Why do Nigerian cards fail for international payments?
Nigerian banks suspended ALL international transactions on naira cards for nearly three years (2022–2025) due to severe FX pressures and dollar shortages. Banks only resumed international card use in July 2025, with strict quarterly caps of just $1,000. Halocard bypasses these restrictions entirely with US-issued Visa credit cards.
3 years
Duration of the suspension on international transactions for naira cards (2022–2025), leaving millions unable to pay for global services.
$1,000/qtr
Current quarterly limit on international transactions for naira cards — far too low for businesses and professionals.
How to get a virtual credit card in 3 simple steps
1. Sign-up with a phone
Sign up from your browser. No app download needed.
2. Quick identity check
Verify you're a real person in less than 3 minutes. No SSN or US residency required.
3. Add funds to your account
Use stablecoins, debit/credit card or ACH/SWIFT bank transfer (coming soon).
Your virtual card is ready.
That's it! Your virtual cards can now be used for online and in-person purchases anywhere in the world where Visa is accepted.
Why Nigerian users love Halocard for virtual cards
Apple Pay & Google Pay ready
Add your virtual cards to Apple Pay or Google Pay. Tap to pay anywhere contactless is accepted in Nigeria, the US, or anywhere in the world. Halocard works independently of CBN restrictions.
No CBN spending limits
Pay with USD virtual cards at US merchants without being subject to Nigeria's $1,000/quarter international spending cap or naira card restrictions.
Custom card controls
Set per-transaction, daily, and monthly limits. Get real-time alerts and instantly lock or cancel any card to prevent unwanted charges.
Private purchases
Your purchases are nobody's business. Halocard keeps your international subscriptions and spending separate from your Nigerian bank accounts.
Global acceptance
US-based Visa credit cards accepted at 150M+ merchants worldwide. No US residency or SSN required to sign up.
Made with ❤️ to provide the virtual card experience you deserve
Instant funding
Top-up with stablecoins, card payments and US/Global bank transfers (coming soon).
Instant card creation
Virtual cards ready to spend in seconds for your purchases and subscriptions.
No apps to download
Your Halocards are accessible from your phone or desktop with no app download required.
Freeze on demand
Lock any card instantly or cancel it permanently if something feels wrong.
Real-time visibility
See every charge as it happens and get alerts before fraud ever hits your account.
Private purchases
Never worry about purchases showing up on your primary bank statement.
How Halocard compares to Nigerian virtual card providers
Feature
Halocard
ALAT (Wema Bank)
Chipper
Card type
Account funding
New virtual cards every month
Acceptance at US merchants
Apple & Google Pay support
US billing address
ID verification required
Private purchases
Choose a plan and create your first card in under 5 minutes
Starter
Up to 3 cards per month
$6/mo
or $50 per year (Save $10)
Unlimited spending
Custom card controls
Apple Pay & Google Pay
0% fee on USD purchases
1.5% FX fee on non-USD purchases
Chat, Email & Phone Support
OpenClaw integration
Plus
Up to 12 cards per month
$12/mo
or $100 per year (Save $20)
Unlimited spending
Custom card controls
Apple Pay & Google Pay
0% fee on USD purchases
1.5% FX fee on non-USD purchases
Chat, Email & Phone Support
OpenClaw integration
Teams
Up to 60 cards per month
$59/mo
or $590 per year (Save $118)
Unlimited spending
Custom card controls
Apple Pay & Google Pay
0% fee on USD purchases
1.5% FX fee on non-USD purchases
Chat, Email & Phone Support
OpenClaw integration
Full API Integration
2-hour Support SLA
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