The OPAY card is one of the most popular expenses card in Nigeria, offering account holders a seamless and swift way to make payments, shop online on local website, withdraw at any ATM and POS, and access funds with ease.
As more Nigerians embrace digital banking and cashless transactions, many people are asking a lot of questions about how the OPAY card works, its benefits, and what sets it apart from traditional bank cards.
To clear the confusion, we’ve put together answers to some of the most frequently asked questions about the OPAY card—covering everything from how to get one, to security features, charges, and everyday usage. So, let's get into to the article without wasting any time at all.
FAQs about OPAY Cards
Does OPay have virtual dollar card?
No, OPay doesn't currently offer a virtual USD card. You can only request a virtual naira (NGN) on the OPay app and the virtual card works on platforms like YouTube premium, Apple Music, Google Play, Spotify and more that accept NGN payments.
Does OPay have MasterCard card?
No, OPay doesn't offer a MasterCard type of debit card. The fintech app only offers two types of debit cards: the physical ATM debit card and the virtual NGN card. These OPay cards are both verve-backed cards. This means, they're not issued by MasterCard or Visa Card.
Does OPay have a Visa Card?
Currently, OPay is not offering Visa-issued card to its users in Nigeria. Nigerians can only get a card issued by Verve Inc—Africa's most successful card brand with payment tokens and card option that power commerce across Africa. Although, it's been seen that OPay and international card issuers like MasterCard have partnered, but their partnership is not based on issuing MasterCard or Visa Card through the OPay app; their partnership is based on growing the cashless ecosystem and advancing digital financial inclusion for millions in Africa.
How Can I Get OPay ATM Card?
Getting OPay ATM card can be done in three ways: through card sales agent, pick-up from a nearby OPay merchant/agent, and through requesting from the OPay app—which will be delivered to your address. The purchase through card sales agent is instant. If you want the OPay card from the app, you only need to pay the delivery fee of ₦2,500 regardless of location. The issuance fee is free. If you prefer to pick up the card from a nearby merchant or through a card sales agent, then you'll need to pay ₦1000—which will be deducted directly from your OPay account.
How to Get OPay Virtual Card?
You can simply request the OPay virtual card on the fintech app. To do that, login to your OPay and tap "Card" located at the bottom of the dashboard. On the card section, swipe to "Virtual Card" and click on "Request Virtual Card." The card will cost ₦1000, deducted from your OPay wallet balance.
How to activate OPay ATM Card?
If you request your OPay physical card through a merchant or card sales agent, the agent will activate the card through their business account. If you requested the card through your OPay account, then you'll need to activate it on your account when the card is delivered. You'll see the card activation code on the small envelope that comes with the card.
Can OPay virtual card be used for international transactions?
Yes and No. It depends on the currency. Platforms like Apple, Google, Alibaba, AliExpress, YouTube, Spotify, and Netflix accept naira (NGN) for Nigerians, so Verve cards can be used. However, for platforms that only accept USD, EUR, CAD, or GBP, the OPay virtual card and physical card cannot be used.
Is OPay virtual card free?
No, OPay virtual card is not free. The card costs ₦1000 issuance fee, which will be deducted from your OPay account upon request. The card will reflect in less than 30 minutes in your OPay account under the "Cards" section.
How to activate OPay card with USSD code?
Currently, OPay doesn't offer card activation via USSD service. You can only activate your OPay ATM card through card sales agents, merchants, or in-app if you requested the card via your account.
Is OPay card Visa or Mastercard?
OPay Card is neither a Visa Card nor MasterCard. The card is a Verve card, issued under the Verve brand by Interswitch, a Nigerian-based financial technology company.
What is OPay virtual card used for?
OPay virtual card can be used to make payments online anywhere naira is accepted. You can use it to subscribe to Spotify, Netflix, YouTube Premium, Apple Music, and more. However, it cannot be used on foreign platforms that accept only foreign currencies.
How to link OPay card to OPay account?
To link your OPay card to your account, log in to the OPay app, go to the “Cards” or “Add Card” section, and select the option to link a new card. Enter your card details (card number, expiry date, CVV, and sometimes the card PIN), then verify using an OTP sent to your registered phone number or email. Your OPay card will then be successfully connected.
How to Get OPay Card from Agent?
You can walk up to any OPay POS agent near you and ask if they issue cards. If the agent is a card sales agent, you can request a card for your OPay account. The agent will not charge you directly, but OPay will deduct ₦1000 from your account. The agent will then activate the card and link it to your account.
Conclusion
In summary, if you cannot find the question you're looking for in the list of FAQs provided above, kindly drop it in the comments section and we'll give answers to it as soon as possible.
