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Z9Pay

Virtual cards

A dollar card that works where your naira card stops.

Create a USD virtual card in about two minutes. Fund it from your naira balance at a rate you see first, and use it for subscriptions, ad accounts and online stores.

What people use it for

Specific things, paid in dollars.

  • Online sellersShopify, Selar and domain renewals$39 / month
  • MarketersMeta, Google and TikTok ad accounts$250 top-up
  • DevelopersApple Developer, AWS, Vercel, GitHub$99 / year
  • FreelancersUpwork Connects, Fiverr, Canva Pro$12 / month
  • EveryoneNetflix, Spotify, YouTube Premium, ChatGPT$15.49 / month

Controls

One card per subscription. Freeze any of them in a tap.

If a merchant overcharges or gets breached, freeze or delete that one card. Your other cards and your naira balance are untouched.

Your cards

Demo
  • Meta Ads

    $250.00 of $500 this month

  • Subscriptions

    $54.49 of $80 this month

  • ShopifyFrozen

    $39.00 of $50 this month

Virtual cards

Illustrative
Virtual cards fees
ItemPrice
Create a dollar cardOne-off. Up to 3 active cards.$2
Fund the cardRate shown before you fund.1%
Monthly maintenanceWaived on months with no transactions.$0.50
Declined transactionWe will never charge for a decline.Free

FAQ

Questions people ask

Something else? support@z9pay.com

Where does the card work?
Online merchants that accept cards in USD, such as subscriptions, ad platforms, software and online stores. Some merchants block virtual cards; we list known ones in the app.
How do I fund it?
From your naira balance. You see the rate and the 1% funding fee before you confirm.
What if a merchant charges me twice?
Freeze the card from the app straight away, then raise a dispute in the transaction details. Our team handles it with the card issuer.

Get started

Get a dollar card in two minutes.

Sign up with your BVN and a valid ID, fund from naira, and pay.

Store links go live at launch.

Paying more than ₦50m a month?

Get a named dealer and same‑day settlement.

Talk to sales