If you’ve tried paying for Google Ads, ChatGPT Plus, or Facebook Ads lately with your Naira card, you might have noticed that it sometimes works and sometimes doesn’t.
That’s because, while some Nigerian banks have started re-enabling international transactions on Naira cards in 2025, the feature is still limited. Many global platforms, payment gateways, and merchants don’t yet recognize these cards — resulting in random declines, failed payments, or frustrating “transaction not supported” errors.
The good news?
There’s a reliable alternative that always works — the EverTry virtual dollar card.
In this guide, we’ll explain what changed in 2025, why your Naira card still fails on certain international platforms, and how EverTry helps Nigerians make smooth, global payments without stress.
Why Is My Naira Card Still Not Working Online?
Even with the partial return of international payments, Nigerians still face major roadblocks. Here’s why:
Hidden Forex Fees
When a payment does go through, exchange rate markups and hidden fees often inflate costs significantly.
Limited Merchant Support
Not every platform accepts Naira cards. Many international services like ChatGPT, LinkedIn Ads, Coursera, and AWS still reject them due to regional or bank restrictions.
Inconsistent Bank Approvals
Some banks (GTBank, Access, UBA) allow limited foreign transactions, but they’re often unstable. Payments that succeed today may fail tomorrow due to changing forex controls.
Low Spending Limits
Even where allowed, banks typically cap international transactions around $50–$100 per month, making it nearly impossible for businesses or freelancers to pay for recurring tools and ads.
What Changed in 2025?
In 2025, the Central Bank of Nigeria (CBN) slightly relaxed forex restrictions, allowing select banks to process limited dollar payments via Naira cards.
However:
- It’s not a full restoration of pre-restriction privileges.
- Each bank sets its own limits and supported merchant list.
- Many global payment processors still flag Naira cards as “non-USD” instruments, leading to failed transactions.
In short, yes, you might be able to pay for Spotify or Canva with your Naira card, but don’t count on it for platforms like ChatGPT, LinkedIn Ads, AWS, or Coursera.
The Smarter Way: Use a Virtual Dollar Card
For consistent access to global platforms, a virtual dollar card remains the most reliable option.
Unlike traditional Naira cards, a virtual dollar card lets you:
- Fund in Naira or USDT (Tether)
- Spend in U.S. dollars
- Pay on any international website that accepts Visa or Mastercard
- Enjoy instant approvals and transparent exchange rates
Why Thousands of Nigerians Trust EverTry in 2025
Among all the virtual card options, EverTry stands out as a trusted solution built for Nigerians who need reliability, transparency, and flexibility.
Here’s why EverTry leads the pack:
- Works globally — accepted on Replit, Suno, Distrokid, TikTok, ChatGPT, Netflix, Amazon, Facebook Ads, Coursera, AWS, and more.
- Dual funding options — fund with Naira or USDT.
- No hidden fees — transparent dollar rates and zero surprise deductions.
- Instant setup — create and activate your card in minutes.
- Trusted by thousands — used daily by freelancers, students, and entrepreneurs across Nigeria.
How to Pay Online Without a Naira Card (Step-by-Step)
Step 1: Sign Up on EverTry
Visit EverTry. or download the EverTry app. Create your account and complete KYC verification for security.
Step 2: Fund Your Wallet
You can fund your EverTry wallet through a Naira transfer or a USDT deposit. Your balance automatically converts to dollars at the best available rate.
Step 3: Create Your Virtual Dollar Card
In your dashboard, tap Create Card. Your card (with Visa/Mastercard details) will be ready instantly.
Step 4: Pay for Any International Service
Use your EverTry card details to subscribe, shop, or pay globally — with no “card declined” messages.
Popular Payments Nigerians Make with EverTry
- Learning & Education: Coursera, Udemy, LinkedIn Learning, IELTS, UCAS
- Business & Ads: Facebook Ads, Google Ads, TikTok Ads, Fiverr, Upwork
- AI Tools: ChatGPT Plus, Claude AI, Grammarly, ElevenLabs
- Streaming & Shopping: Netflix, Apple Music, Disney+, Shein, Temu, Amazon
- Essential Services: Starlink, UK Visa fees, cloud subscriptions (AWS, Azure)
Frequently Asked Questions
1. Why does my Naira card still get declined online?
Because many international merchants haven’t restored full compatibility with Naira cards. You’ll need a virtual dollar card for guaranteed acceptance.
2. Has CBN fully lifted forex restrictions?
No. The restrictions have been relaxed, not removed. Naira card limits and supported platforms still vary by bank.
3. How is EverTry different from Barter or Chipper Cash?
EverTry offers higher payment success rates, dual currency funding (Naira + USDT), and faster approvals than most competitors.
4. Can I use EverTry for subscriptions like ChatGPT or Netflix?
Absolutely. EverTry works seamlessly for streaming, ads, SaaS tools, and e-commerce payments.
5. Is it safe?
Yes — EverTry uses bank-grade encryption, verified KYC, and secure payment gateways.
Final Thoughts: Don’t Let Bank Limits Hold You Back
The Nigerian banking system is improving, but international payments with Naira cards are still inconsistent and unpredictable.
If you want stress-free access to global tools, subscriptions, and services, the EverTry virtual dollar card is your best bet.
Start today and enjoy uninterrupted, borderless payments that just work — every time.