Virtual Cards
Create secure cards instantly for online payments and subscriptions.
Instant Issue
Online Spend
Card Controls
Freeze Instantly
Overview
Payvora Virtual Cards let you spend your wallet balances anywhere Visa or Mastercard is accepted online. Design a card, fund it from any fiat wallet, and start spending immediately — with your real bank details never shared with a merchant.
Each card has its own balance, spending limit, lock control and full transaction trail. Freeze a card instantly if something looks off, unlock it just as fast, and terminate cards you no longer need without a phone call.
What you get
Instant issuance
Generate a working card in seconds after verification — no waiting for plastic.
Fund from any wallet
Top up a card from your USD, GHS or other fiat wallet, or via card checkout.
Lock & unlock
Freeze spending instantly and unfreeze just as fast — you stay in control at all times.
Spend limits
Set a per-card spending ceiling and adjust it whenever you like.
Card-level history
Every authorization and decline is visible per card, with details reveal behind re-authentication.
How it works
- 1Complete identity verification — required before cards are issued.
- 2Design your card, choose a network style and set an initial funding amount.
- 3Fund it from a wallet, then copy the details securely when you need them.
- 4Lock, unlock, top up or terminate — all from the Cards page.
Common questions
Where can I use the cards?
Anywhere online that accepts the card's network, subject to merchant category restrictions.
Can I have more than one?
Yes — issue multiple cards for different purposes, each with its own balance and controls.
What if I suspect a charge?
Lock the card instantly, review its transaction trail, and contact support if you need a dispute raised.
Start using Virtual Cards
Visa and Mastercard virtual cards, funded from any wallet and locked in seconds.
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International-standard payments to 20+ regions, with smart forms that fill themselves.
Local Payouts
Send from your wallet straight to bank accounts and mobile money — locally, instantly.
Currency Exchange
Convert between your wallets at live rates — instantly, with the rate locked up front.
Bill Pay
Track, schedule and settle your bills from one place — never miss a due date.