Top 7 Best Websites to Get Free Virtual Card in all countries including and Africa

Virtual Cards which work in Africa, Europe, Asia & other others

Virtual cards have become an essential tool for secure and hassle-free payments. These digital alternatives to physical bank cards provide users with a safer way to shop online, pay for subscriptions, and even verify accounts. Whether you’re a freelancer, an entrepreneur, or an everyday shopper, international virtual cards offer a convenient way to make payments without exposing your primary bank details.

For users in Africa, African virtual cards bridge the gap between traditional banking and global transactions. Many African countries face restrictions when it comes to international payments, but virtual credit cards provide an easy workaround. They function like prepaid cards, allowing users to load funds and spend only what they need, reducing the risks associated with fraud or overspending.

One of the biggest advantages of virtual cards is their compatibility with platforms like PayPal. Many African users struggle with PayPal restrictions, but PayPal virtual cards enable them to link their accounts, verify PayPal, and transact globally with ease.

Some of the top providers of virtual cards in Africa include Chipper Cash, Eversend, and MTN Virtual Cards—each offering unique benefits tailored to users who need secure and reliable payment solutions. Whether you need a card for online shopping, business transactions, or PayPal verification, these platforms provide the flexibility and security required in today’s digital age.

This article will cover the top 8 best websites to get free virtual cards, their features, pros and cons, and who should use them.

1. PayPal Virtual Card

If you’re already using PayPal, you can take advantage of their free virtual Visa card. It’s an excellent option for users who want a secure and widely accepted payment method.

Features:

• No foreign transaction fees: Avoid extra charges when making international purchases.
• Purchase protection: PayPal’s Buyer Protection ensures security when shopping online.
• Global acceptance: The PayPal virtual card is accepted on most websites that support credit and debit card transactions.

Pros:

✅ Easy to set up for PayPal users
✅ No additional fees for international transactions
✅ Offers buyer protection

Cons:

❌ Not available in all countries
❌ Requires a linked bank account or card for funding

Who Should Use It?

If you frequently use PayPal and need a secure virtual card for online purchases, this is an excellent option.

2. ecoPayz Virtual Card

ecoPayz is a great option for individuals who shop globally and need to handle multiple currencies. It provides flexible virtual card services with added security.

Features:

• Multi-currency support: Hold and use money in different currencies, making it ideal for international shopping.
• Single-use virtual cards: Create disposable cards for extra security.
• Physical card option: ecoPayz offers a Mastercard linked to your virtual account.
• ATM withdrawals: Withdraw money directly using a virtual card.

Pros:

✅ Supports multiple currencies
✅ Offers both virtual and physical cards
✅ Provides disposable cards for enhanced security

Cons:

❌ Some features require a premium account
❌ Limited availability in certain regions

Who Should Use It?

If you frequently deal with international transactions and need both virtual and physical card options, ecoPayz is a great choice.

3. Slice Virtual Card

Slice offers a free and easy-to-use virtual card perfect for online shopping. It stands out for its budget-tracking features and additional security options.

Features:

• Disposable card: Each transaction generates a unique card number for added security.
• Expense tracking: The app helps visualize your spending habits and budget.
• Bill splitting: Easily split bills with friends within the app.
• Instant freeze and unfreeze: Quickly lock or unlock your card for security.

Pros:

✅ Free to use
✅ Great for tracking expenses
✅ Strong security features

Cons:

❌ Limited global acceptance compared to PayPal
❌ No physical card option

Who Should Use It?

If you want a secure way to shop online while keeping track of your expenses, Slice is an ideal option.

4. Bitnob Virtual Card

Bitnob is a great choice for users who deal with cryptocurrency and want a virtual card that supports both crypto and regular money.

Features:

• Crypto-friendly: Supports Bitcoin, USDT, and other cryptocurrencies for payments.
• Easy funding: Deposit funds via crypto or local currency.
• Secure virtual cards: Works like a regular debit/credit card and can be used anywhere.
• Fast withdrawals: Withdraw funds to your bank or mobile wallet instantly.

Pros:

✅ Supports cryptocurrency payments
✅ Secure and widely accepted
✅ Quick and easy funding options

Cons:

❌ Requires knowledge of crypto transactions
❌ May have regional restrictions

Who Should Use It?

If you’re into cryptocurrency and need a versatile virtual card, Bitnob is a great option.

5. AstroPay Virtual Card

AstroPay is an excellent option for frequent international shoppers who need a secure and convenient virtual card.

Features:

• Widely accepted: Works on numerous online stores worldwide.
• Multiple currency support: Supports transactions in various currencies.
• Physical card & ATM access: Get a physical AstroPay card for ATM withdrawals.
• Send money abroad: Allows easy international money transfers.

Pros:

✅ Supports multiple currencies
✅ Physical card option available
✅ Works for international transactions

Cons:

❌ Some features may require a premium subscription
❌ Not available in all countries

 

6. Chipper Cash Virtual Card works in several African countries

Chipper Cash is a popular fintech platform that allows users to send and receive money across multiple African countries. It also offers a free virtual Visa card that can be used for online transactions worldwide.

Key Features:

✅ Free Virtual Card – No setup fees, and you can generate a card instantly within the Chipper Cash app.
✅ USD Denominated – The card is issued in US dollars, making it ideal for international transactions.
✅ Security & Control – You can freeze and unfreeze your card anytime for security purposes.
✅ Works with Subscription Services – Can be used for Netflix, Amazon, and other online services.

Pros & Cons:

✔️ Pros: Free to create, widely accepted, good for online subscriptions.
❌ Cons: Not available in all countries, funding limits may apply.

Fees:

• Card Transactions Below $4: A flat fee of $1 is applied to all card transactions less than $4.

• Card Top-Up Minimum Amount: The minimum amount to fund your virtual card should be greater than $5.

• Monthly Maintenance Fee: Chipper Cash charges a monthly maintenance fee of $1 on all active virtual cards. If your card balance is insufficient to cover this fee, it accumulates and is deducted the next time you top up your card.

Note: Chipper Cash has a daily spending limit of $1,000 and a monthly limit of $4,000 on its virtual card.

Who Should Use It?

If you’re in Africa and need a USD virtual card for online shopping, streaming services, or international payments, Chipper Cash is a great option.

7. Eversend Virtual Card works in several African countries

Eversend is a digital banking platform that provides a multi-currency wallet and a virtual USD card that can be used for global transactions.

Key Features:

✅ Instant Virtual Card – Get a Visa virtual card instantly.
✅ Multi-Currency Support – Allows you to hold multiple currencies in your wallet.
✅ Low Foreign Exchange Fees – Competitive exchange rates when converting currencies.
✅ Easy Top-Up – Fund your virtual card using mobile money, bank transfer, or other payment methods.

Pros & Cons:

✔️ Pros: Multi-currency support, low FX fees, user-friendly app.
❌ Cons: Some funding methods may take time, and not all countries are supported.

Fees:

• Card Creation Fee: You can choose between paying 3$ one time or 1$ monthly fee.

• Cross-Border/FX Fee: A 3.5% fee is applied when making non-USD payments via the virtual card or if the payment originates outside the United States.

• Insufficient Funds Penalty: A $0.50 fee is charged when a payment attempt is made without sufficient funds on the card, regardless of whether the transaction is successful.

Note: The minimum top-up amount when creating a card is now $1, which will be credited to your card upon creation

Who Should Use It?

Eversend is perfect for freelancers, online shoppers, and travelers who need a virtual card with multi-currency options and low FX fees.

8. MTN Virtual Card for Uganda

MTN, one of Africa’s largest telecom companies, offers a virtual prepaid card that is linked to MTN Mobile Money (MoMo). This card allows users to make international payments without a bank account.

Key Features:

✅ Issued in Local Currency – The card is linked to your MTN MoMo wallet.
✅ One-Time Use – The card is disposable for added security.
✅ No Bank Account Needed – You only need an MTN Mobile Money account to get started.
✅ Accepted Globally – Works on international websites like Amazon, Netflix, and eBay.

Pros & Cons:

✔️ Pros: No bank account required, easy to set up, added security with disposable cards.
❌ Cons: Limited validity, funding limits depend on mobile money balance.

Fees:

• Card Issuance Fee: MTN MOMO VIRTUAL CARD IS 1,000 Uganda shillings ($0.27), one time payment.

• Transaction Fees: They are no monthly charges

Note: MTN Virtual Cards are linked to your MTN Mobile Money (MoMo) wallet, and any charges may depend on your local MTN operator’s policies.

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