Residents of many African countries often face significant challenges when attempting to pay for goods and services in international stores. These issues arise from restrictions on using local currency cards abroad, high currency conversion fees, and limited support for international payment systems. Virtual cards address these problems by providing access to international payments with minimal fees and without the need to open a foreign bank account.
Virtual cards function just like regular bank cards but exist solely in digital form. Once a card is created through a mobile app or web platform, the user receives a unique card number, expiration date, and CVV code required for online purchases.
There are also virtual cards that support cryptocurrencies and facilitate their conversion into US dollars. The conversion of cryptocurrencies to fiat within such cards occurs automatically. This feature allows the use of crypto assets for standard expenses without the lengthy and multi-step process of withdrawing funds.
In this article, we will review the top 5 virtual cards that support popular cryptocurrencies for USD transactions and purchases.
1.) PSTNET
PSTNET is a financial platform that issues multi-currency virtual Visa/Mastercard cards. These cards are ideal for various purposes, such as paying for subscriptions and services from international platforms like Netflix, Spotify, Paypal, and many others.
In our ranking, the top spot is claimed by the Ultima card from this service. This secure crypto card allows for the quick conversion of cryptocurrency assets into US dollars, making them available for everyday expenses.
The Ultima card has no spending or top-up limits, and all transactions are protected by 3D Secure technology.
Key Features:
- Cryptocurrency Top-Ups: The balance can be topped up with BTC, USDT (TRC 20), ETH, BNB, XRP, TRX, BCH, USDC (Ethereum), USDC (Tron), ADA, SOL, MATIC, BUSD, LTC, DASH, and DOGE.
- Other Top-Up Methods: SEPA/SWIFT bank transfers and other Visa/MasterCard.
- Top-Up Fee: The fee for topping up the card is only 2% regardless of the method.
- Withdrawals: Funds can be withdrawn from the card in USDT with a 0% fee.
- Registration Without Data Verification: To get the Ultima card, you need to register on the PSTNET platform. Registration is available via Google, Telegram, WhatsApp, Apple ID, or email. After registration, you can access your user account and issue the Ultima card with one click.
- Service Interaction: The service’s technical support is available 24/7 through Telegram chat and other contact channels. A Telegram bot is also available for service notifications and receiving 3D Secure codes.
2.) YellowCard
Yellow Card offers virtual multi-currency cards that support Visa and Mastercard payment systems. These cards are ideal for paying for international services such as Amazon, Netflix, and many others. They are also well-suited for converting cryptocurrencies into fiat money.
Key Features:
- Cryptocurrency Top-Ups: The balance can be topped up with BTC, ETH, USDT, USDC, PYUSD, SOL, and other stablecoins and altcoins.
- Other Top-Up Methods: Bank transfers.
- Withdrawals: Funds can be withdrawn in USDT with low fees.
- Registration on the Platform:
- To obtain a card, you need to register on the platform using the website or mobile app.
- The process involves creating an account, uploading necessary documents for verification, and activating the card.
- Transaction Security:
- Advanced security technologies are used, including multi-factor authentication and multi-signature wallets, ensuring a high level of protection for transactions.
- Service Interaction:
- Customer support is available 24/7 through various communication channels, including Telegram, Facebook, and Twitter.
3.) Luno
Luno is a financial platform that provides services for buying, selling, and storing cryptocurrencies. It issues virtual Visa and Mastercard cards, designed for everyday use, including online purchases and cryptocurrency transactions.
Key Features:
- Cryptocurrency Top-Ups: The balance can be topped up with BTC, ETH, XRP, LTC, BCH, and USDC.
- Other Top-Up Methods: Bank transfers or Visa/Mastercard.
- Withdrawals: Details on withdrawal processes, including fees, need to be requested from customer support.
- Registration on the Platform: To obtain a Luno card, you must register on the platform. The registration process involves creating an account using an email address and completing a verification process that requires identity documents.
- Transaction Security: The platform stores 95% of cryptocurrencies in “deep freeze” multi-signature wallets, which are protected by multiple layers of encryption.
- Service Interaction: Luno’s technical support is available 24/7 through multiple channels, including a website chat and mobile applications.
4.) BitPay Cards
BitPay offers both virtual and physical Mastercard cards that allow users to convert cryptocurrency into dollars and use them like regular cash. These cards are suitable for all types of purchases, both online and in physical stores. BitPay cards can be used to pay for a wide range of international services, including major retailers and brands such as eBay, Twitch, Shopify, and many more.
There are certain spending limits for the card, such as a single transaction limit of $2,000 and a daily limit of $6,000.
Key Features:
- Cryptocurrency Top-Ups: The balance can be topped up with BTC, BCH, ETH, XRP, USDC, GUSD, BUSD, and PAX.
- Other Top-Up Methods: Any cryptocurrency wallets supporting the listed cryptocurrencies.
- Top-Up Fees: Depend on the chosen top-up method.
- Registration on the Platform: To obtain a card, you need to download the BitPay app, register, and apply for the card. The registration process takes only a few minutes, and the card becomes available for use immediately after approval. The verification procedure includes providing basic information and uploading identity documents such as a passport or driver’s license.
- Transaction Security: BitPay uses 3D Secure technology to protect transactions.
- Service Interaction: Customer support is available 24/7 through the app, online chat on the website, and via email.
5.) First Kudi
Kudi Cards, issued by the First Kudi platform, support Visa and Mastercard payment systems. These cards can be used for local and international money transfers, as well as financial transactions on popular sales platforms. Kudi Cards also allow users to convert their digital assets into fiat currency.
Key Features:
- Cryptocurrency Top-Ups: The balance can be topped up with BTC and ETH.
- Other Top-Up Methods: Bank transfers through the First Kudi app.
- Registration on the Platform: The registration process involves creating an account and issuing a card through the app. Users conducting cryptocurrency transactions need to complete a verification process, which requires identity confirmation with documents.
- Transaction Security: Transactions are secured using 3D Secure technology.
- Service Interaction: Customer support is available 24/7 through the chat feature in the app and on the service’s website.
Virtual dollar cards are an excellent tool for residents of African countries looking to make international purchases and convert cryptocurrency to US dollars. All the cards in our ranking offer convenience, security, flexibility, and optimal rates. However, to make an informed decision on the best financial provider for cryptocurrency virtual cards, we recommend reviewing real user feedback and comparing all the conditions.
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