The Chipper NGN Card is a pre-funded and reloadable virtual card that can be used for domestic (within Nigeria) online payments. It is absolutely free to acquire.

The Card can be used online in the same way you use your physical debit or credit cards.

Frequently Asked Questions

Is there a fee for withdrawal or adding funds to the Chipper NGN Virtual Card?

We do not charge a fee to add or withdraw funds from your Chipper Card.

What are the Chipper NGN Virtual Card Funding, Spending, and Withdrawal Limits?

Maximum Daily Spend Limit - ₦43,500
Maximum Monthly Spend Limit - ₦43,500

Maximum Daily Funding Limit - ₦4,000,000 (24 Hours)
Maximum Monthly Funding Limit - ₦4,000,000

Maximum Quarterly Funding Limit - ₦4,000,000

Maximum Withdrawal - No Limit

Is my Chipper NGN Virtual Card directly connected to my Chipper Wallet?

No, your Chipper Card is not automatically tied to your Chipper Wallet in the same way your bank card service works! This means that your Chipper Card balance is different from your Chipper Wallet balance.

Your Chipper Card would need to be funded from your Chipper Wallet before it can be used.

On what platforms can I use my Chipper NGN Virtual Card?

You can spend the card online anywhere Visa cards are accepted locally (within Nigeria). This includes merchants such as Bolt, Jumia, Konga, and so on.

However, please note that you can only use the card on merchant sites that fall under our approved/supported merchant categories. The list of supported and unsupported merchant categories may evolve over time. We reserve the right to modify the list to meet certain legal and regulatory obligations.

What Countries is the Chipper Virtual Card available in?

At the moment, the Chipper Virtual Card service is only available to users in Nigeria.

I have a problem with a Chipper NGN Virtual Card transaction. What do I do?

Do you have a complaint about your Chipper Card transaction? Please go to your Activity tab and click on that transaction, then select "Report a Problem" to send us an automated message.

We'll be happy to take a look at the issue and get it resolved for you.

What is my card Billing Address & Postal Code?

Please use your registered house address as your billing address. Also, use the postal/zip code of your registered house address.

My CVV still reads as 123. How do I change that?

Please fund your card first, then your default CVV (123) will change in 24 hours.

Once changed, you can use the new CVV as your security code for transactions on merchant sites.

Is the Virtual Card 3D secured?

Please note that the Chipper Cards(USD and NGN) have been programmed for 3D secured authentication.

Do you need further assistance?

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