How To Get A Visa or MasterCard In Nigeria 
UPDATE: Get your Payoneer Mastercard Delivered in Less Than 40 days. Check out this FREE step by step tutorial on How To Order Payoneer MasterCard From LimeExchange.
There are two types of MasterCard available to Nigerians. The First One is issued by Nigerian banks i.e Mastercard Websurfer while the other; Payoneer Prepaid MasterCard is issued by First Bank of Delaware USA and can be gotten FREE from 2CheckOut.
Getting a MasterCard or Visa card in Nigeria has become relatively easy in recent times. About 80 – 90 % of the principal banks now offer this service to their customers.
Unlike cards issued by companies such as Fast Ecash and GraphCard, these Visa-MasterCards are reloadable.
The GTB MasterCard and UBA MasterCard require a domiciliary account which is why I decided to go for the WebSurfer and so far so good, Zenith Bank is the only bank I’ve seen offering it.
Zenith MasterCard WebSurfer
Above is an image of the Mastercard Websurfer issued by Zenith Bank Nigeria. It costs $20 a year and $5 each time you reload it. It’s reloadable for 1 year then renewal is required to make it reloadable and usable for another year.
I’ve blogged about the card before and and you can get detailed info about it in the blog post; MasterCard WebSurfer Vs Graphcard.
Let it be known that they have added a security feature which alerts you each time a transaction is made on your card. This helps to curb fraudulent activities on your websurfer account.
Finally, Zenith Bank also offers Visa Prepaid cards BUT I was discouraged from getting it when I was told by a bank official that, the Visa Prepaid Card required a domiciliary account ie: An Account run in dollars.
2CO Payoneer Prepaid MasterCard
Next in the line the 2CO reloadable MasterCard® famously known as Payoneer MasterCard amongst Nigerian internet marketers.
As at the last time I checked, this card is now been offered free of charge with free $10 credit to every new 2CheckOut merchant.
2CheckOut serves as an authorized reseller of tangible and digital products and they’ve been in business for over 9 years now. They accept merchants from all countries EXCEPT North Korea, Cuba, Iran, Sudan, Syria, Myanmar (Burma).
As published on 2CheckOut’s website, the benefits of this card to 2CheckOut Suppliers/Merchants include:
- No bank account or credit check required.
- Receive funds faster and enjoy immediate access to your funds.
- View your account, payments, balance and transaction history online, 24/7.
- Make purchases and withdraw cash in local currency from any point of sale or ATM worldwide that accepts MasterCard®.
- The money on your card is MasterCard® protected even if your card is lost or stolen. Payoneer will ship you a replacement card and transfer your balance to your new card.
Check out this blog post Which Is Better? PayPal or 2CheckOut to learn more about why I love 2CheckOut and why I’ve declined getting my own Free Payoneer MasterCard.
Henry Omenogor is offering Nigerians a free Payoneer Mastercard, 2CheckOut Affiliate Account and a free site complete with Google Adsense, ClickBank and Amazon Associate products @ his LagosNawa site, all for 15,000 Naira.
I strongly advice you get your own Payoneer Mastercard and 2CheckOut Affiliate account directly from 2CheckOut. The last time I checked, 2CO only offers affiliate accounts to their merchants.
It’s not like other affiliate programs like ClickBank where every Tom, Dick and Harry can join in.
Registering with 2CO requires you driver’s license, international passport, utility bill, a signed agreement form and some other personal stuff and this makes me wonder how Henry gets these cards and how safe they are since I’m assuming, they weren’t ordered in your name.
My advice to you is simple.
Get a Zenith MasterCard WebSurfer and sign up for a 2CheckOut account with a one time fee of $50. Afterwards create your own affiliate account and get you own free Payoneer Mastercard. Thereafter get good quality hosting from Hostgator @ $83 a year if you can afford it or $30 a year hosting from CyberUltra and build your own site on it.
Note: CyberUltra’s payment processor, WorldPay, doesn’t accept Zenith Bank’s MasterCard WebSurfer or probably doesn’t accept orders from Nigeria. I’m curious as to which is the case.
Building a site and adding adsense and ClickBank products to it isn’t difficult at all and can be done in less than an hour if you know how to go about it.
I’m almost 90% sure, that the free site been offered @ LagosNaWa is hosted on one of those 15MB disk space – 100MB bandwidth plans and generically generated using Virtual Mechanics SiteSpinner V2.
If you have noticed I’ve somewhat of deviated from the topic of this post to reviewing Henry Omenogor’s LagosNaWa: The Missing Chapter. I’m sorry but his product was the inspiration for this post.
Before I round off on this post, allow me to say that, if doing the work yourself seems like hardwork, you are welcome to go ahead and choose the easiest way out by getting Henry Omenogor’s LagosNaWa: The Missing Chapter.
If you know of anybody who has bought Henry’s package, do invite him/her to leave a comment and let us know their honest opinion of what the 15,000 Naira Gold Package really is like.
UPDATE: Get your Payoneer Mastercard Delivered in Less Than 40 days. Check out this FREE step by step tutorial on How To Order Payoneer MasterCard From LimeExchange
Related Articles You May Like To Read
- How To Order A US MasterCard et Nigerian MasterCard
- How To Get A Free Payoneer Prepaid MasterCard
- Zenith MasterCard WebSurfer: The Graphcard Alternative
- How To Fund Your LimeExchange Payoneer MasterCard
- How To Fund Your Paypal and Payoner Prepaid Mastercard
I applied for a payooner Debit MasterCard in May this year. The card did not arrive up till begining of October, so I sent a message to their support and a new card was issued. Two days ago, the old card finally arrived, no thanks to the snail postal system being operated by NIPOST. I can no longer use the card with me because it has been cancelled. Yet, the new card is yet to arrive. That is one of the challenges that only Nigerian Online Entrepreneurs face.
My conclusion is that the Payooner Debit MasterCard is availabe to Nigerian, but getting it in a legitimate way can take months, because they insist on posting it to an address and not a post office box. So you end up being at the mercy of the lazy folks at NIPOST. Also, their charges is a bit on the high side. Your account balance get’s diminished even when you are not using the fund. There are monthly charges, loading charges and card re-issue charges.
I guess the Zenith surfer debit card is a better option for now as long as it is widely accepted.
@Nigerian Entrepreneur: I must say Zenith’s Websurfer has performed beyond expectation. It worked with 99% of sites I’ve ordered from. From Hostgator to 4Shared.com. Simply amazing. I ran for the door on seeing Payoneer’s charges. IMHO, it’s useless and I don’t have any intention whatsoever to use it. Reminds me of how UBA fleeced me with the inexplicable bank charges before I ran off to GTB.
NIPOST ain’t all that bad oh. I ordered things and gotten then in less than 1 month, tops 2 months. It all depends on if the good was sent via the cheapest option available.
first i most say thank you for all the information posted to us, keep up the good work, note that it is only god that can pay you back, and he will keep the still on your face constantly, i stunble up on your page when i was dying for help, people out they charge so much for this kin of information that you just provide for free, i most say once again and again keep the good work,
pls i will love you to tell me how i can open this count properly, like if i am opening the free credit card how will i then put my usa address, is it the same shipping address that i will use,and how will i get a free usa home address for free, and telephone number,
@Justin: Thanks for the compliments. I’m really grateful that you appreciate my efforts. I really wish I could help you out with REAL information but unfortunately I didn’t apply to have the Payoneer Mastercard sent to me. Their fees were just unbelievable.
Getting the Payonner Mastercard from 2CheckOut requires you pay your one time fee of $49 after which you’d be given the option in the payment section of the members area, to apply for a free mastercard. I’m really not sure which address is linked to the card but I guess that by logic it’s meant to be the address with which your 2CheckOut account was opened.
Shipping address only comes into play when you’re ordering to have a physical product delivered to you in the mail. It can be the same as Billing address or not.
So far so good, I haven’t come across a site that gives away Free USA address and phone numbers. I doubt if anyone offers it for free. Graphcard offers that service for a fee.
At the moment I’m doing research on another company that seems to be offering free Payoneer Mastercard as well. Hopefully I’ll writing a post about that company soon.
Take care.
i most say that i am greatful with your work, i appreciate people who understand how life is going and to help people that is newbie online, people like me, once again i most say thanks, for your quick reply,
ok, if i made that payment, i mean that 49 dollars one time payment, then on the second page were they say agreement of the law, and the second page were you see Billing information (for $49 USD one time signup fee):
and below you see About your company:
then you see Company Mailing Address: then you see Company Physical Address: then give me the step by step on how i can handle it, should that be my house address, that i will put they.because you that this an internet business, so for now they is no office for that,and should i go straight to payoneer site to apply or should i go to 2checkout site to apply which one, first i am using 2checkout site to apply, i just dont want to make silly mistake
finally, can i still apply for other cards from payoneer site, or do you know if other cards they accept nigeria, like 2check out card, i will be looking towards your new post on this payoneer card.issue
@Justin: May I ask your nationality please? I must say it takes quite a while for me to read and understand your comments. Your Company Physical Address in most cases is also your Company Mailing Address unless you receive your mails at any entirely different location. In my case when I filled the form, I used my home address as my Company Mailing Address and Physical address since I’m running my “business” from the comfort of my home.
As far as I know, Payoneer only gives out it’s prepaid mastercards through resellers. One of them is 2CheckOut and the other is Plimus. 2checkOut costs $49 to join while Plimus is FREE!
I’m still trying to find a way of getting the Payoneer Prepaid Mastercard from Plimus.
one more, how to get free MasterCard debit card for verify or verification paypal without Payoneer Mastercard. visit walkweb.blogspot.com
i saw the post on the mastercard issue iwant to share my knowlegde with you so as to know the next step to take when looking for payment proccessor in the internet if you need my knowledge email at buchianofrancis@yahoo.com i will reply you back in immediately
@Francis: Thanks for stopping by. Do feel free to share your knowledge here on my blog AS LONG AS you are not looking to pitch a product on my blog eg; sales letter. Cheers
Hi admin,
I really need to start accepting credit cards payments on my network marketing website which i’m working on. It will be ready in hopefully 3 months time. Do you think that 2checkout will be a better option to process the cards from people and bankwire me funds regardless of how much as i expect my program to be making sales of more than $100,000 monthly.
What about Chargebacks ? Does 2CO charge back on us when they are affected by such transactions?
Finally i heard about Solid Trust Pay and Alertpay. Which of these 3 Companys would you more likely recommend to me ?
Thanks
2CheckOut would be a reliable option since PayPal ain’t for Nigerians and you run the risk of using your money if you use them illegally.
2CheckOut will definitely charge you for Chargebacks so my advice to anyone is to refund as soon as possible when a customer asks for one. Refunds costs next to nothing unlike Chargebacks that could be detrimental to your business.
I’m not conversant with Solid Trust Pay and Alertpay so I don’t have an opinion about them. One thing I do know for sure is that a good number of naija internet marketers do business with 2CheckOut and Alertpay.
I’m sorry I can’t go in depth right now but I’ll do a little bit of research and write a blog post about chargebacks etc.
Do please stay subscribed to my RSS Feed to get this post.
Have a lovely week ahead.
Hope this post helps
: A Quick Look @ Chargebacks and 2CheckOut.
The link won’t be active until after 9am tomorrow. Something to do with maintaining a constant schedule of posting (Every Mondays and Thursdays @ 9am Nigerian time)
Guys i appreciate una efforts. I really want to know how i can get a mastercard for free. Help me out. My email: silvaniltd@gmail.com
If you need a free Payoneer Mastercard, do please read: How To Order Payoneer MasterCard From LimeExchange. Cheers
hello brother’s in here i really say i am highly delighted in what am seeing here will be greatfull to recive infor on how to join you people am also a card applly and am waiting for mine this month will hope to say thanks for what have seen here.am ordering mine from limeexchange and friendfinder affilate.thanks to you all.
i just applied for a Skye bank visa card..yet to test it and see how it works on online….UBA now seem to have integrated ATM cards straight with VISA prepaid cards. will see how the 2 work out…
by the way….this is what happens when customers get good service…they talk good about it…unlike what happened in this post..
http://www.strictlyonlinebiz.com/blog/unapologetic-utiware/1343/
@all please i need a master card for free and i dont know how to do it,pls enlight me on it
You can learn to get a free Payoneer Mastercard @ http://www.strictlyonlinebiz.com/blog/lime-exchange-payoneer-mastercard-application/1131/
my mail is lagbe4show@yahoo.com
i dont want tp agree with you totally bcoz in less than 3 weeks of my applying for the payoneer master card it arrived and their fees are infinitesimal compared to the ones we have here from gtb or zenith.
You need to check your facts again. Maintaining a Payoneer Mastercard costs a whole lot more than Zenith’s MasterCard WebSurfer.
Thanks for sharing this information on how to get a Zenith MasterCard WebSurfer and Payoneer MasterCard. I dont know that Zenith bank have such card that is acceptable for online payment.
how can i get a visa or master card i want to buy things online.
Please read this post well? You can get Visa or Mastercard from most nigerian banks.
hi, i am wondering, when one gets a domiciliary account in naija, lets say from gtb, how do you withdraw? am i supposed to get a chequebook from them? because since i opened the account them never give me anything oh! thanks for your help
Looks like you’d have to contact their customer service department to clarify that as I personally don’t have a domiciliary account @ all.
The problem is not getting payooner master card in Nigeria but being able to cash money at atms. I got the card myself I am finding it extremely difficult to withdraw at any atm in Enugu Nigeria. If anybody knows any atm that honours payooner master card let the person let me know.
Thanks for the feedback man. My payoneer is till lying around somewhere in my mum’s bedroom as she was the one that received it when it arrived. (I no dey Lasgidi @ the moment cos of NYSC). I’ll probably start using mine when I start earning from networks that pay through Payoneer. Then I should be able to start testing it out. Folks like Henry Omenogor say it works in Nigeria and since the guy is based in Lagos, I’m assuming that he means it works in Lagos.
If memory serves me right, it only works in specific atms that have the mastercard logo ONLY. I think Ecobank is one of them as well as Zenith. I no remember again.
I already have my Lime Exchange MC but the problem is how to fund this card.
See if this post can help you out: http://www.strictlyonlinebiz.com/blog/nigerians-fund-withdraw-paypal-payoneer-mastercard/1111/
I luv dis blog… @least a real naija… Wt a blog addressing local problems faced by my naija netprenuers… 4 free…can u beat dat? Dats da power of naija… Ur swags no hard 2 see…we dey feel u. Im also in d process of redesigning my blog 2 adress homebased biz wt a focus on Naija… Kip up d gud work… Peace
Thanks for the compliments and BEST OF LUCK with your upcoming blog
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I luv dis blog… @least a real naija… Wt a blog addressing local problems faced by my naija netprenuers… 4 free…can u beat dat? Dats da power of naija… Ur swags no hard 2 see…we dey feel u. Im also in d process of redesigning my blog 2 adress homebased biz wt a focus on Naija… Kip up d gud work… Peace
Thanks man
To those who care to know, limeexchange is closing down permanently 24 Dec. 2010. If u ve any earnings in ur acct. u re advised to withdraw ur funds immediately
I just got that email too. Na bad thing oh!
I just received a payoneer card from limeexchange barely last month and i’ve not been able 2 make money into it from their affiliate programme. Now that they are shutting down, i’m wondering if it will affect my card, or can i just load it via card-2-card transfer using maybe a web surfer card from zenith? i heard the setup fee 4 the card is $19.99, how about if i load it with say $50, will the transaction be successful since i’ve not made any money from limeexchange into it. Pls i need suggestions on what to do cos i dont want the card 2 be a waste.
I’m going to contact Payoneer today to see what will happen to folks like us. I’ll feed you back.
my comment is that i am very very happy with this issue master card. i love it and i want get it very soon. thank u. nuraddeen yakasai
I’m virtualy a newbie in all these! but what I realy wana ask is this=>, I do some programming Jobs 4 guys worldwide and the one I hav been doing, I get paid through liberty reserve but majority of them would tell me that they can only pay me through credit cards. My question now is how do I get A visa or master card, load from nigeria here or xchange LR into it, and get the job with the money I have inside it, then when they wana pay me I would also present my card details for them to transfer the money to it, so that I can get the money here in Nigeria or shop online with it or probably xchang to other currency mediums?. Cos datz how we do it witin liberty reserve thanx!
I think what you are looking for is the Zenith Visa Prepaid Card. It allows for card to card transfer
I love your article and I will try the steps out.Thanks.
Please, I opened a domiciliary account with UBA to help me shop on the internet. Was my decision okay? They offered me a dual currency card. Will the card be recognized by sites like ebay,amazon and co. With that do I need to fund any other account like that done by liberty reserve, paypal?
Need to hear from you soon
Thanks
I really don’t know man BUT it’s meant to work. If the card gets rejected by ebay and amazon, contacting UBA’s customer care should be able to fix that as that’s what I do with my Zenith cards.
When it comes to liberty reserve and paypal, I know nothing man.
Chuks God bless u. As u know limeexchange has been acquired by freelancer.com and this new owner charge $30 for card.
The Avafx.com conditions is on the high side, same goes with 2checkout.com. Which other company do we rely on?
Nna so far so good, I no know of any other way to get the card oh! I’ve even somewhat of decided not to use it again. I received $30 from 2CheckOut and most of the cash went into payoneer charges. To make payment online with the card sef come be wahala again. I’m sticking with my Zenoith Visa abeg
Pls! guy I want create a website I will be using for affiliate marketing on Clickbank, google adsense and others. My Niche is on Weight loss and Phones. Pls! can you advice on what to do. I do not know anything on how to design a website neither do I know about HTML code. In fact I am a newbie, I do not even know how to link a website. Please! bros help me o….! on how I can do it.
Please download the free ebook on setting up wordpress @ www.facebook.com/strictlyonlinebiz
could you please send me the procedures on how to get a payoneer master card.
hi,iwant to get a free master cards
Try payoneer
hi,can one get visa card from zenith websurfer act bcos were i want to make payment,the accept both mastercard and visa but can pay you only thru visa.liberty reserve have credit card merchants,have any body use their cards?
No you can’t get visa card from websurfer account
so how can i get a visa card that is widely accepted like zenith surfer mastercard.keep the good work chuks,am impressed
You can get the Zenith Visa Prepaid Buxz. It’s quite cool
Please, can you help me with how you were able to customize your wordpress header and add adsense to it.
Please step to step guide i beg, i prefer you email it to my email address “independentformula@yahoo.com”
Thanks
Check your email
My advice for you all is go to any of our banks Zenith, diamond, uba, eco etc. and apply for master or visa card, you need a domi account and i know with $200 dollar you are good to go than spend money through the process of getting payonner …., i got my mastercard with ecobank only with $200 dollar, the balance of about $150 or thereabout depending on the bank will remain in your account after they have charged you for the card and services
Can one still get the zenith web surfer card and how much does it cost for activation and crediting the card. I look forward to reading from you guys soonest.
Thanks
Here you go: http://www.strictlyonlinebiz.com/blog/the-pros-and-cons-of-mastercard-websurfer-and-graphcard/229/
I need the credit card
I need visa card or mastercard
I need a credit card, how will get one email me Rappilotincharge@yahoo.com
Contact Ecobank
okay thanks
I’m pretty impressed with your blog design, really simple. I dont know if you can do me a blog review,i’ve been trying to redesign and it’s like i’m not feeling satisfied, like i’m not up to par. Take a look and tell me how i can make it better looking.
Well i disagree with you on one point. Its not important to have a dorm account to get the zenith websurfer. I didnt get one either. You can check out my blog and see how i got it without having an account with the bank.
I had to make it as plain as simple as ever so that it would be able to load faster for even those on dial-up internet connection.
Pls note that I never said you need a dorm account to get a Websurfer oh!
With regards to your site, you seem to have a lot of promotional posts/ sales letters and this could go wrong with Google. Having a special category for them would do you better instead of having them on the main page.
You could create a page for them tagged Job Opportunities
Ok Sir. Thanks for your prompt reply. Those articles that looked promotional are free advertising businesses. I will work on it.
I just need a prepaid Master/Visa card that I can credit anytime in the UK, and get to spend whenever I visit Naija… what’s the best for this?
I think Zenith Visa Prepaid Buxz but I ain’t sure