If you’ve tried making an international payment with your Naira debit or credit card recently, you’ve probably faced declined transactions or error messages. This is because most Nigerian banks have stopped supporting Naira cards for international transactions due to forex restrictions imposed by the Central Bank of Nigeria (CBN).
The good news? There’s a way around it. In this guide, we’ll explain why your Naira ATM card is not working online and introduce the best alternative—the EverTry virtual dollar card—so you can continue paying for services like Chatgpt, Starlink, Netflix, Amazon, Facebook Ads, and more without stress.
Why Is My Naira ATM Card Not Working for International Payments?
Nigerians have faced increasing difficulties with online payments due to several reasons:
- CBN Forex Restrictions: Banks have stopped allowing international transactions on Naira debit cards due to the ongoing dollar scarcity.
- Monthly Limits: When Naira cards were still allowed, the limits were drastically low (around $20 per month), making them almost useless for real online spending.
- Card Blockage: Many users reported that even when they had enough funds, their transactions were declined without explanation.
- Bank Policy Changes: Several banks (GTBank, Zenith, First Bank, UBA, etc.) have completely stopped processing international transactions on Naira cards.
This has left many Nigerians stranded, unable to pay for services like Apple Music, Spotify, AWS, Coursera, Fiverr, and more.
What’s the Best Alternative to Naira ATM Cards for International Payments?
Since traditional Naira debit and credit cards no longer work for international transactions, Nigerians need a reliable and hassle-free payment solution. A virtual dollar card is the best alternative, allowing you to fund in Naira or USDT and spend in dollars effortlessly.
Among the many options available, EverTry stands out as one of the most trusted virtual dollar card providers in 2025. Thousands of Nigerians rely on EverTry for seamless online payments across different platforms, including:
Online Learning & Skill Development
If you’re looking to upgrade your skills or pursue higher education, EverTry makes it easy to pay for:
- Alison, Udemy, Coursera, LinkedIn Learning – Access thousands of courses to grow your career.
- Foreign University Applications & School Fees – Pay for WES, UCAS, UKVI, IELTS registration, and direct university applications without stress.
Digital Advertising & Business Growth
For business owners, content creators, and advertisers, EverTry is the go-to solution for funding ads on:
- Facebook & Instagram Ads – Grow your brand with targeted advertising.
- Google Ads & YouTube Ads – Reach your audience effectively.
- TikTok Ads & Snap Ads – Boost engagement on trending platforms.
AI & Productivity Tools
Whether you’re a creator, developer, or entrepreneur, EverTry lets you pay for top digital services like:
- ChatGPT, Claude AI, ElevenLabs – Stay ahead with AI-powered tools.
- GitHub, Zoom, and Intercom – Essential platforms for developers and businesses.
- QuillBot, Grammarly – Writing and productivity enhancements.
Streaming & Entertainment
Enjoy unlimited entertainment without worrying about payment restrictions:
- Apple Music, PlayStation Plus, Netflix, Disney+ – Subscribe with ease.
- Temu, Alibaba, and Shopify – Shop from global e-commerce platforms without declined transactions.
Essential Services & Subscriptions
Beyond shopping and streaming, EverTry helps Nigerians access important international services like:
- Starlink Internet – Get uninterrupted satellite internet access.
- UK Visa, Immigration Fees & Application Costs – Make hassle-free payments.
Why Choose EverTry Virtual Dollar Card?
✅ Works for all international payments (Amazon, Netflix, Facebook Ads, etc.)
✅ Easy funding with Naira or USDT
✅ No hidden charges—transparent pricing
✅ Instant card creation and activation
✅ Secure & widely accepted
If you’re tired of dealing with ‘card declined’ errors, it’s time to switch to EverTry and enjoy smooth, unrestricted online payments.
How to Pay Online Without a Naira Card (Step-by-Step Guide)
If your Naira ATM card keeps declining, here’s how to switch to an EverTry virtual dollar card and continue making international payments hassle-free:
Step 1: Sign Up on EverTry
- Visit EverTry’s official website or download the EverTry mobile app and create an account.
- Complete the simple KYC verification (upload your ID and selfie for security purposes).
Step 2: Fund Your EverTry Wallet
- You can fund your wallet using Naira bank transfer or USDT (Tether).
- EverTry instantly converts your Naira to dollars at the best exchange rate.
Step 3: Create Your Virtual Dollar Card
- Navigate to the ‘Create Card’ section and enter your preferred card details.
- Your EverTry virtual dollar card will be ready in seconds.
Step 4: Use Your Card for International Payments
- Copy your EverTry dollar card details (card number, expiry date, CVV).
- Enter them at checkout on any international website.
- Your payment will go through instantly—no more card declines!
Frequently Asked Questions (FAQ)
Why is my Naira ATM card not working for online payments?
Most Nigerian banks have blocked international transactions on Naira cards due to CBN forex restrictions. You need a virtual dollar card like EverTry to continue making payments.
How does EverTry compare to Chipper Cash, Barter, or ALAT?
EverTry stands out because of its higher success rate for payments, flexible funding options (Naira + USDT), and lower fees.
Can I use EverTry for subscriptions like Netflix, Spotify, and Apple Music?
Yes! EverTry works perfectly for all online subscriptions, including Netflix, Apple Music, AWS, Coursera, Fiverr, Zoom, and more.
Is it safe to use a virtual dollar card?
Yes! EverTry’s virtual dollar card is secure, encrypted, and widely accepted across all international merchants.
Conclusion: Say Goodbye to Naira Card Payment Issues
If you’re frustrated by constant ‘card declined’ errors when trying to pay for international services, you’re not alone. Nigerian banks have placed strict limits on Naira ATM cards, making it nearly impossible to complete online transactions.
The good news? You don’t have to deal with these restrictions anymore.
With the EverTry virtual dollar card, you get a reliable, stress-free, and 100% accepted way to pay for international services—whether it’s streaming subscriptions, online courses, advertising, or shopping. No more failed payments, no more restrictions—just seamless transactions, anytime, anywhere.
Make the switch today and enjoy hassle-free online payments with EverTry!