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How to Overcome International Payment Limitations in Nigeria: Top Solutions


In recent times, many Nigerian banks have suspended International MasterCard transactions due to the scarcity of Foreign Exchange and the central bank's strict Capital outflow regime. This has made it challenging for Nigerians to pay for services like Upwork connects, Elon Musk's Starlink, international subscriptions and more. However, I come bearing solutions that will help you bypass these limitations and make international payments seamlessly. In this article, we will explore various methods, including virtual cards and domiciliary accounts, to help you continue making global transactions from Nigeria.

Ezzocard - Anonymous Online Payments:

To make anonymous online payments, consider using Ezzocard. This virtual card provider allows you to purchase disposable cards that can be used for one-time payments. An exciting feature of Ezzocard is that you can fund the card using cryptocurrency, offering you an additional layer of privacy and security. - Virtual Accounts for Global Transactions: provides virtual accounts that you can use to receive payments from around the world. This platform offers free virtual accounts and enables currency conversion. You can also utilize their virtual card for international payments.

Klasha - Spending Without Limits:

Klasha offers a virtual card that allows you to spend internationally without limitations. Use it for subscriptions, Upwork Connect, shopping on Amazon, eBay, AliExpress and many other websites worldwide. Klasha is a cryptocurrency-powered platform, giving you more flexibility in funding your card.

Payday Africa - Multiple Currency Accounts:

Payday Africa enables you to open virtual USD, Euros or Pounds accounts for free. You can seamlessly convert your money from one currency to another and use their virtual card for global payments. Payday Africa offers competitive exchange rates.

Chipper Cash - Convenience and Limitations:

Chipper Cash, a well-known virtual card service in Nigeria, provides a USD card for international transactions. The downside is a specific monthly limit, which caps your transactions at $5,000. If you exceed this limit, you'll need to wait for the next month to make another transaction.

Gotok - Secure Virtual Card Payments:

Gotok offers a virtual card that allows you to pay bills, subscriptions, buy Upwork Connect, and shop for goods and services internationally. Powered by Binance Pay and Solana Pay, Gotok ensures secure and convenient virtual card payments.

Root by Sudo - Customizable Virtual Dollar Cards:

Root by Sudo provides customizable and programmable virtual dollar cards. This innovative option is excellent for software developers and platform owners, offering a unique way to serve users with customizable cards.

Payoneer MasterCard - Freelancer's Choice:

Payoneer MasterCard is a convenient option for freelancers and remote workers who receive payments in their Payoneer account. It is accepted internationally and can be used for making various payments.

Domiciliary Account - Your Nigerian Bank Solution:

Another way to bypass international payment limitations is to open a domiciliary account in your Nigerian bank. These accounts are dollar-based and you can manually deposit dollars into them. Some recommended banks for domiciliary accounts include UBA and GTB, offering dollar prepaid cards that can be used for international transactions.

Leverage Family and Friends:

If all else fails, you can leverage family and friends living abroad. Send them the Naira equivalent of the required amount and they can use their foreign cards to make the international payment for you.


Despite the challenges posed by suspended International MasterCard transactions in Nigeria, there are several effective ways to continue making international payments. From virtual cards like Ezzocard, Klasha and Payday Africa to domiciliary accounts and leveraging connections abroad, these solutions ensure that you can pay for your subscriptions, school fees, Upwork connects and more with ease. Take action today and continue making global transactions from Nigeria.

Note: Please review the terms and conditions of the chosen solution to ensure it meets your specific needs and requirements. The foreign exchange situation in Nigeria may improve over time but for now, these options will help you overcome the limitations and make international transactions. We hope you find this article valuable and if you have any questions or comments, please feel free to leave them below.

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