Imagine finding the perfect gadget on Temu or Amazon, eager to check out, only to have your payment declined. Or picture trying to subscribe to ChatGPT for work or studies, only to realize your naira card won’t go through. Many Nigerians face this frustrating reality daily.
The demand for international products and services has skyrocketed in Nigeria. People want to shop on platforms like Temu, Amazon, and AliExpress, stream content on Netflix and Spotify, subscribe to AI tools like ChatGPT, and enroll in online courses on Coursera and Udemy. However, paying for these services in US dollars (USD) has become a major challenge.
With Nigerian banks restricting international transactions on naira cards, customers are constantly searching for reliable alternatives. If you’ve ever struggled to complete a USD payment, you’re not alone—here’s why it happens and how to fix it.
Why You Can’t Use Naira Cards for International Payments
In recent years, Nigerian banks have tightened the restrictions on naira cards for international payments. Many banks no longer allow foreign transactions, while others have set very low spending limits.
This means you cannot use your naira debit or credit card to pay for international services like Facebook Ads, Apple Music, or Namecheap.
Why Are Naira Cards Declined?
There are several reasons why Nigerian banks block foreign payments with naira cards:
- Dollar Scarcity – The Central Bank of Nigeria (CBN) struggles to provide enough foreign exchange (FX) for international transactions.
- Government Regulations – To control forex reserves, the CBN has restricted the use of naira cards abroad.
- Bank Policies – Many banks have disabled international transactions on naira cards due to the forex crisis.
Impact on Nigerians
These restrictions have made it difficult for Nigerians to:
- Pay for online subscriptions like Netflix, Amazon Prime, and Zoom.
- Buy products from international stores.
- Pay for digital services like domain registration and hosting.
To solve this problem, Nigerians now rely on alternative payment methods like gift cards and virtual dollar cards.
Best Ways to Pay for Services with USD in Nigeria
1. Gift Cards
What Are Gift Cards and How Do They Work?
Gift cards are prepaid digital cards that store a fixed amount of money. They can be used to pay for goods and services on specific platforms.
For example, if you buy an Amazon gift card, you can use it to shop on Amazon without needing a debit or credit card.
Popular USD-Denominated Gift Cards in Nigeria
Some of the best gift cards you can use in Nigeria include:
- Amazon Gift Card – Used for shopping on Amazon.
- Apple Gift Card – Used for purchasing apps, music, and subscriptions on Apple services.
- Google Play Gift Card – Used for buying apps and subscriptions on Google Play.
- Steam Gift Card – Used for gaming on the Steam platform.
- Netflix Gift Card – Used to pay for Netflix subscriptions.
- American Express (AMEX) Gift Card – A prepaid card accepted by various international merchants.
How to Buy and Redeem Gift Cards in Nigeria
- Purchase gift cards from reputable platforms like EverTry.
- Receive the digital code via email.
- Redeem the code on the respective platform.
- Use the balance to pay for services.
Pros and Cons of Using Gift Cards for USD Payments
✅ No need for a bank account or card.
✅ Works instantly once redeemed.
✅ No foreign exchange (FX) restrictions.
❌ Limited to specific platforms.
❌ Some gift cards may have expiration dates.
2. Virtual Dollar Cards (EverTry Virtual Card)
What Is a Virtual Dollar Card and How Does It Work?
A virtual dollar card is a digital prepaid card that works just like a regular debit card. The difference is that it’s designed specifically for international payments in US dollars (USD).
Every virtual dollar card comes with:
- A 16-digit card number
- An expiry date
- A CVV code
You can use it to pay for subscriptions, online shopping, ads, and courses on international websites. Platforms like Amazon, Coursera, Facebook Ads, and Namecheap all accept virtual dollar cards.
Unlike naira cards, virtual dollar cards are not restricted by forex limitations. This means you can shop, subscribe, or pay for services without worrying about failed transactions.
Want a hassle-free way to pay in USD? A virtual dollar card is your best bet!
Why EverTry Virtual Dollar Card Is the Best Option
EverTry offers one of the best virtual dollar cards in Nigeria. Here’s why:
✅ Easy sign-up process – Get started in minutes.
✅ Quick verification – Fast KYC approval.
✅ Multiple funding options – Fund with naira or USDT.
✅ Low fees – Affordable transaction costs.
✅ High success rates – Works on most international platforms.
✅ Security and reliability – Your funds and transactions are safe.
Where Can You Use EverTry Virtual Dollar Card?
EverTry virtual card is accepted on many platforms, including:
- E-commerce
- Amazon, AliExpress, eBay, Temu – Buy gadgets, fashion, and household items.
- Advertising
- Facebook Ads, Instagram Ads, Google Ads, TikTok Ads, Snap Ads – Run ads for your business or personal brand.
- Education
- Coursera, Udemy, Alison – Pay for online courses and certifications.
- University Admission & UCAS – Cover application fees for schools abroad.
- Web Services
- Namecheap, Bluehost, HostGator, DigitalOcean – Pay for domain names, web hosting, and cloud services.
- Entertainment & Software
- Google Play Store, Apple Music, ElevenLabs – Subscribe to apps, music, and AI-powered tools.
- Travel & Immigration
- VISA Applications – Pay for visa fees and other travel-related services.
How to Create and Fund an EverTry Virtual Dollar Card
- Sign up on EverTry – Visit the EverTry website and create an account.
- Verify your identity – Complete KYC verification.
- Fund your wallet – Deposit naira or USDT into your EverTry account.
- Create your virtual card – Generate a USD virtual card instantly.
- Start making payments – Use your card to pay for services in USD.
EverTry vs. Other Virtual Card Providers
EverTry stands out from other providers because of:
- Ease of use – Simple and fast registration.
- Affordable fees – Lower transaction costs.
- Better success rates – Works on more platforms than competitors.
FAQs About USD Payments in Nigeria
What Is the Safest Way to Pay in USD from Nigeria?
The safest methods are virtual dollar cards and gift cards from trusted providers like EverTry.
How Do I Choose the Best Virtual Dollar Card Provider?
Look for a provider that offers:
- Easy account creation.
- Affordable fees.
- High transaction success rates.
EverTry meets all these criteria.
Can I Use a Virtual Dollar Card for Subscriptions and Online Shopping?
Yes! EverTry virtual dollar card works for subscriptions, online shopping, and advertising payments.
Conclusion
Paying for services in USD from Nigeria is no longer a challenge. Since naira cards are no longer accepted for international transactions, alternatives like gift cards and virtual dollar cards are the best solutions.
Among these options, EverTry virtual dollar card stands out as the most convenient, secure, and flexible way to make USD payments.
Get started today and enjoy hassle-free international transactions! 🚀