«Home

Using Mastercards Issued By Nigerian Banks Online. Issues!?

Hi guys,

I want this thread to be for those using Mastercards issued by Nigerian banks.

I want to register for one. I hear rumours that some merchants overseas are not accepting it. Is that true?

What are the other issues surrounding the use of it for online transactions?

Avatar
Newbie
85 answers

Seems like many Nigerians have trouble paying online for good, if they use cards issued by Nigerian banks. Moreover, those using US or UK bank cards also get refusal from sites, if they indicate the mailing address for delivering goods in Nigeria. This problem might be the consequence of widely spread scam. Nigeria has been known for it worldwide and many people distrust it. So, they are unwilling to process payments from Nigerian banks or from Nigerians in general. Unfortunately, the situation can be fixed only by raising the reputation of this country and gradually building up the trust to it.

0
Avatar
Expert

I can help you make the purchase.Call 08036169013

0
Avatar
Newbie

I need to make an online payment to click Bank Account for a software. But click bank is not available to Nigerians.

however the only source of payment to the merchant is clickbank, Let me know if there can any other means that

I can make payment to clickbank as they do not accept Nigerian debit cards

0
Avatar
Newbie

I HAVE USED A MASTERCARD ( WEB SURFER ) FROM ZENITH BANK FOR UP TO TWO YEARS NOW ONLINE. I AM FULLY SATISFIED WITH ITS PERFORMANCE ONLINE.

SITES LIKE CLICKBANK DO NOT ACCEPT ANYTHING FROM NIGERIA. SOME OTHER SITES AT TIMES REJECT IT BECAUSE IT IS FROM NIGERIA AND I WILL ENTER INTO CORRESPONCE WITH THEM, EXPLAINING THAT IT WAS ISSUED BY A BANK. MOST TIMES THEY DEMAND THAT I SCAN THE FRONT AND BACK AND EMAIL TO THEM. WHAT THEY FEAR IS STOLLEN CARDS, AND SINCE I DID NOT STEAL IT I DO ALL THE EXPLAINATIONS.

2CHECK.COM HAD TO CALL ME ON PHONE FOR VOICE VERIFICATION. THEY LATER APOLOGISED AND ACCEPTED MY ORDER. FOR HOSGATOR WE DID MORE THAN SIX CORRESPONDING BEFORE MY CARD WAS ACCEPTED.

FOR ALL I KNOW THE SINCERE SITES ONLY CARE TO KNOW THAT THE CARD IS NOT STOLEN.

ALSO I COMMUNICATE WITH THE CARD SERVICES DEPT OF ZENITH BANK DURING WORKING HOURS BY EMAIL OR PHONE WHEN EVER I WANT AND THEY ARE FANTASTIC. I HAVE REALLY ENJOYED USING IT FOR ON-LINE PURCHASES.

0
Avatar
Newbie

Try Oceanicbank Mastercard

0
Avatar
Newbie

The cards work for me very well. I use both GTB mastercard

and Acces Bank VISA cards.

Fantastic stuff. . .

0
Avatar
Newbie

Its better you use paypal in order to protect your money and privacy online because many hackers do hack into shop administrator every times.

A little word is enough for the wise

0
Avatar
Newbie

Please, please help me akinalabi I want to buy goods online from amazon or ebay, can u give me the procedures to get this cards. And tell me, do they really work

0
Avatar
Newbie

solution to clickbank purchases

IF you ever need any clickbank product but unable to buy with any nigerian issued mastercard.I can help you to buy it and send it to your email withing hours of ordering it.I only charge a few naira notes as service charge and give you best customer service ever.U can make your orders or further enquiries through my contacts below.

MR TAIWO

TEL- 08052445026

EMAIL- olayanjugto@yahoo.com

YAHOO MESSANGER ID- olayanjugto

0
Avatar
Newbie

For Mastercards i don't know but i must assured you that Visa cards are perfectly working any where in the world. The Visa Classic Debit Card i am using now was issued to me by Skye Bank and i have used it in Francis, Moscow and London. My mother also has Visa Gold Debit Card issued to her by UBA and according to her there has not being any issue in its functionality abroad. I would advice you go to these Banks and ask for Visa cards because it is working.

I am aware some banks in Nigeria have started issuing Visa dual currency cards, but am not sure how it works since i have not made use of it. though Banks claim it is ties to both your naira account and domicilary account.

0
Avatar
Newbie

Hi Guys

I am surprised some of you have successfully used the GTB Master card for online transactions. My experience has been very bitter. Since I obtained the card two weeks ago duly  funded and activated, I have not successfully made any online transaction. All the sites I visited to purchase downloadable softwares and ebooks redirected me to Clickbank or paypal. Clickbank always give the message: "Unable to process your order at this time ". When I complained to Clickbank, they sent me the following message:

On rare occasions the bank network may decline perfectly good cards.  We are not told the reason why a particular card is declined, and we cannot take orders by phone or fax.  The best advice would be to try your purchase again with a different card.  If this doesn't work for you then please contact the publisher directly for alternative payment options, such as money orders, checks, etc.

We apologize for the inconvenience.

Best regards,

ClickBank Support

I also complained to GTB but all what they told me is that my card is ok as it is funded and activated. It is against this background that I am begging those of you who have successfully used their GTB Mastercard to kindly list the sites that accepted the card. Any advice on other payment options with my card is welcome. Please help because I have hundreds of dollars locked up in the card. Thanks

0
Avatar
Newbie

Am in d process of obtaining a GTB Mastercard.Pls can i have an idea of d charges on d card?Apart from d $30 & any other yearly fees,what are d charges per transaction? Thanks

0
Avatar
Newbie

hehehehehehehehehehehehe

lol

0
Avatar
Newbie

Master card is very different from bank issued debit card okay. Thats why your Nig. master/visa card will work however to own one in Nigeria you need to be mega-rich. So watin 'poor' man go do?

*Nice virtual credit cards from abroad, but you still need a 'credit card' to pay for them,  hmmm?

*Boy! the prices! Like the are the only ones offering that service? No way I'll pay that.

*Even the Nig 'Banks' are charging the roof!

*Check your backyard. look up SoftPay VCC. for the 'small' business man. They got denominations from as little as £20. which you can buy in Naira!

just follow their web link, Click Here.

0
Avatar
Newbie

they even collect money lol no wonder they no get shame!!

0
Avatar
Newbie

true could be the trend of legitimate business or those countries have their postal residential address verifiable by the local govt that is stored properly its not exactly easy or cheap to send goods to nigeria

or perhaps those EU countries have some sort of agreement concerning business/customer dispute and refund policies they honour

0
Avatar
Newbie

I wonder what you guys need to understand that this is a quest in futility. Just like the last poster said, the banks are bot ready to do anything. They keep calling themselves world class yet their services are contrary to what they claim to be. It is not just by the size of your balance sheet.

If they were worth what they claim, they should know that it is even an insult for their cards to be rejected and Mastercards does nothing about it.

If we can not use them to make purchases online, then what are these cards for?

We are contented with the interswitch ATM cards if it's just about making purchases in Nigeria.

If no Merchant will accept it, they banks should either stop issuing them or get something done fast.

Till then, i'm contented with using paypal. Besides, i do buy from ebay and it gets shipped to Nigeria.

I will continue to do this despite the cost until our Banks realise what Banking is all about.

0
Avatar
Newbie

Might I add, I've sold a few things on ebay several times. and I paid my seller fees using my 9ja issued Mastercard and they gladly accepted my money. It's usually all these smaller merchants who don't honor 9ja cards. yes they are being careful, but sometimes they are also just plain silly. Paypal and 9ja Debit cards, FORGET IT.

0
Avatar
Newbie

The major, if not the only problem lies with the banks themselves. ALL banks that issue Mastercard/Visa cards are guilty of this crime. They are NOT doing enough to address the problem of non-acceptance of Nigerian issued credit/debit cards. Full stop. They can do so much more, but their inherent talent for generally lousy customer service does not allow them do more. They can do such things as pull their weight together and put pressure on Mastercard/Visa to encourage online merchants to stop rejecting 9ja issued cards. They also can contact merchants who refuse to honor a 9ja issued card and ask/insist that the card be honored. Instead they sit on their asses and collect the yearly fees and all what not.

I have a card from intercontinental, which I use more for subscriptions and anything that does not involve physical shipping. The first time I tried to have something shipped to me, the transaction went through and the email said my goods would be shipped the next day. I got a mail the next say saying they don't ship internationally, and that my order was not processed and my card would not be charged. Month end comes, and I see a charge in my statement of account for the transaction in question. Long story short, it took Intercontinental bank almost 4 months to get my money back. After uncountable calls checking up on them and sitting on their asses. This is the second time I've had to ask that a chargeback be made. The first time took almost 5 months.

Now, whenever I have to ship physically, I send to my cousin in the US who ships to 9ja regularly. She just includes my stuff in her paackage and it gets to me in about 2-3 weeks.

Bottom line, we will get there eventually, we can only wish these silly (and I'm almost tempted to say the silly people who run these banks) banks would help us get there faster.

0
Avatar
Newbie

May i know which websites you have made your purchases?

0
Avatar
Newbie

Hey guys, as at the time I started this thread, I was a bit skeptical about the mastercard thing.

Right now, I have registered with GTBank. I have received the card and I have started doing online payments with it without hassles. It works. I do not have the first issue about it. So guys, what are you waiting for?

0
Avatar
Newbie

Is it possible to verify Paypal accounts with the credit cards issued by Nigerian banks?

0
Avatar
Newbie

That is left for ebay and timberland to answer.I suppose,if you buy indigenous products you wont have that problem.

0
Avatar
Newbie

I have a GTBank Mastercard which i obtained about a month ago. I was charged $30 for subscription and card fees, no hard feelings but it is dissappointing that i have not been able to use the card for any internet purchase (not transactions).

I strongly agree that the problem is not the banks issuing the cards, but the merchants accepting the cards as a means of payment based on our country of residence that is known for crime and fraud. There are European countries worse than Nigeria in fraud and crime, yet, they do successful internet transactions with credit cards, may be is due to the volume of "legitimate transactions" that they do or some other reasons.

Sites like Ebay and Timberland, once you select NIGERIA, the next message is that credit cards are not accepted as a means of payment from this country.

why does this happen and for how long will it continue to happen?

0
Avatar
Newbie

I have a GTBank Mastercard which i obtained about a month ago. I was charged $30 for subsription and card fees, no hard feelings but it is dissappointing that i have not been able to use the card for any internet purchase (not transactions).

I strongly agree that the problem is not the banks issuing the cards, but the merchants accepting the cards as a means of payment based on our country of residence that is known for crime and fraud. There are European countries worse than Nigeria in fraud and crime, yet, they do successful internet transactions with credit cards, may be is due to the volume of "legitimate transactions" that they do, level of development etc. i wouldn't know.

Sites like Ebay and Timberland, once you select NIGERIA, the next message is that credit cards are not accepted as a means of payment from this country.

why does this happen and for how long will it continue to happen?

0
Avatar
Newbie

I have a GTBank Mastercard which i obtained about a month ago. I was charged $30 for subsription and card fees, no hard feelings but it is dissappointing that i have not been able to use the card for any internet purchase (not transactions).

I strongly agree that the problem is not the banks issuing the cards, but the merchants accepting the cards as a means of payment based on our country of residence that is known for crime and fraud. There are Europeans countries worse than Nigeria in fraud and crime, yet, they do successful internet transactions with credit cards, may be is due to the volume of "legitimate transactions" that they do or some other reasons.

Sites like Ebay and Timberland, once you select NIGERIA, the next message is that credit cards are not accepted as a means of payment from this country.

why does this happen and for how long will it continue to happen?

0
Avatar
Newbie

I wonder: if Mastercard has agreed to do business with Nigerian banks, why would they not insist that Nigerian banks do all that is needed to make their cards work worldwide, online and at merchants shops?

Mastercard must do something.

0
Avatar
Newbie

I have the GTB Master card and I have used it online to buy stuff. However, some online merchants do not accept transactions from Nigeria.

So, even after you receive your payment transaction confirmation email, the merchant ends up cancelling the order due to my geographical area.

The only disadvantage is when you want a merchant to refund you money back to your card. It takes almost 24days for the credit to reflect.

0
Avatar
Newbie

For me, i have other solutions to this. I will not try it. I know what i will encounter if i get into it.

When ever the banks in Nigeria finally wake up from their slumber

maybe then i will look into it.

For now, i avoid it like a plague. I'm okay with using paypal.

0
Avatar
Newbie

Loads of problems from people i know

Them bullshit thing are worthless piece of plastic benders

Everyone needs to boycott them

0
Avatar
Newbie

Little common issues but not good enough for me to say NO.

Try GTB MasterCard, "The Preferred". It rocks but just that my CVV2 code is one of a kind.

I use it to buy software and licenses. I can pay my partners in US and India smoothly.

CONDITIONS: Just mind the time you deposit cos it's not instant to deposit. Someone from GTB has to take transport to MasterCard office and leave for home early enough. i.e. if you deposit after 12 noon, he would have gone to work and would not answer you.

Something like that. Otherwise! All is well!

Goodluck!

Rgds,

BOSA

0
Avatar
Newbie

Oh yes! I have heard about graphcard since 2006 but I doubt if it is not another Scam. My doubt reached the height that I though they may be another 'peck and sucks'. I even went as far as registering with them as registeration is free online but I never fund it till date!

I think I better check back on them. A friend of mine actually was insistent that they are good.

Check from here: <p><a href="http://www.graphcard.com/?rid=18841"><img border="0" src="http://www.graphcard.com/images/graphcard_banner2.gif" width="470" height="62"></a></p>

Thank you for reminding me.

0
Avatar
Newbie

Hi Friends,

To my mind, I think these hoo and cries are becoming too much. What is the way out should now be our major concern.

The way out of this dreadlock I think is that the Central Bank should wake up and wade into this matter.

There should be a lasting solution.

If one Master Card from one is working then all others should also work.

What is the problem?

Thank you.

www.cashgenerals.com

0
Avatar
Newbie

When you guys tire una go return the cards.Useless plastics.

0
Avatar
Newbie

Seems everyone is using them for foreign transactions online only

Are the cards accepted/usable on Nigerian website at all?

0
Avatar
Newbie

Yet to set up my matercard acct. I do have a friend here in calif. wt a GTB mastercard.

in fact, i helped the guy bring the card from naija last Jan when i was coming back to the US. (he travelled in Nov 07 and set up the acct) Card wasnt ready when he was coming back.

Anyway, he doesnt have problems pulling cash out at all. Money is loaded in his domiciliary acct and he will pull cash out here in the US. No problem to the best of my knowledge. Im not sure if any fee is applicable tho.

0
Avatar
Newbie

i have UBA mastercard, after all the marketing gemicks

Summarry,

It's a big SCAM,

the next time i visit the branch am closing the AC and returning the plastic card,

why I have to pay for having the plastic in my wallet,

NEVER work, was only lucky to pull my initial deposited fund from a Zenith ATM.

until today it's just a useless piece of plastic.

NEWZ, I got a letter from the branch that am on a debit of $200

ha ha ha for not even using the plastic LoL.

I can bet it's not some internet fraud coz no INTERNET SITE accepted IT

Lets stop the deceit 9ja still got a long rope to pull.

0
Avatar
Newbie

Looks like this guy smoked some crack whilst in Baltimore and Toronto.

@d1tha1

Please educate people who jump the gun on this thread. You are the official keeper on this thread.

That was really funny. You made me laugh after a stressful day.

Please for others who want to jump in, the issue is ONLINE PURCHASES! From there we can narrow it to Non-Shippable and Shippable Purchases to give it some sense of direction.

Please let’s list “real” sites that we shopped in “Online”, so that others who want to perform legitimate transactions can go there too.

Nigeria We Hail Thee!

0
Avatar
Newbie

You guys should stop lying, i have held an Intercontinental Bank Mastercard since 2005, i have used it in UK several times even to buy fuel at the filling station or my groceries at Tesco, i have used it on several occasions in Macy's and Jos A Bank in Atlanta, i used it to hire a car in Baltimore and Toronto just last month. I am tired of all this i use Zenith card, GTB rocks claptrap or that because of 419 the card is rejected. It is just a lie and now that i have been residing in Nigeria for the last 12 months and my wife in London, i got a counterpart card and i put dollars in the account here in Lagos and she has never had any problem accessing the cash at ATM or indeed at POS transactions. Please if u dont have the facts, dont come here and tell porkies. geddit?

0
Avatar
Newbie

This issue is really a serious challenge to us all in Nigeria who do genuine business on the net. Or don't you people think so? but now that the challenge is there looking at us in the eyes, what is the way out of this disturbing trauma?

I think it is high time we begin to look for solutions to this problem if this country is to progress and meet the international standard of growth and development. Come to think of it, if as a nation, we are so repressed as not to be allowed or accepted to transact internationally as individual(s) or group, it is nothing to be desired.

0
Avatar
Newbie

Niece post we have here, as for the acceptability of credit cards from nigeria i know GTbank master card is been accepted though i have not collected mine, my friend is using it to buy online since last year.

But that they are rejecting cards from nigeria or black listing us have not stop cyber crime, that is the reason i always shout it louder with every little opportunity that  i have is an insult to us as a nation, nigerian government should  look into this paypal and clickbank palaver because what this black listing means is that all nigerians are criminal including our president since they did not black list countries russia,italy and south africa who are also rated in cyber crime. am discussing these problem

0
Avatar
Newbie

Well as for me, as far as Im concern, I have used my Gtb Matsercard before at the few sites I have done my online transactions and it worked.

0
Avatar
Newbie

hello,

i am using zenith master card, i used it and purchase so many thinks on the net, i also travelled abroad with the card i spend over 15,000 dollars, you can try zenith bank master card the range is between 2,000 dollars to 10,000 dollar limit

0
Avatar
Newbie

Well, I use a GTBank mastercard and can confirm it has worked on a couple of internet sites. Not sure if it is widely accepted though. I am however surprised that no one has mentioned anything on the POS charge, $6.50 per transaction!!! So everytime you use your card at a point of sale overseas, you are charged that amount. I was livid when I got my first bill because they hid that fact from me when marketing the product. Its the highest I've come across anywhere in the world. Most annoying entry was a tiny $17 grocery shopping that turned to $23.50 in my bill. Crooks!!

0
Avatar
Newbie

someone said here Mastercard from Intercontinetal bank are not accepted online huh ? well i must tell you that i hve been getting Dedicated Servers with Intercontinital bank Master Card not only that i even told someone who was intrested in buying some stuffs online, he went ahead and bought Master card from Intercontinetal and they accepted it, so i don't know what you guys are talking about it, follow simple instruction on the purchase website, thats all and you will get want you want.

0
Avatar
Newbie

Hey friend, I hate to burst your bubble. Books and magazines are not so important to the merchants as electronics, clothes and other tagible items.

Try buying electronics and see if they will ship to you.

0
Avatar
Newbie

I purchased some books from Amazon.com

Subscribed to some Magazines

Purchased Web Hosting and Domain Names

Right here in Nigeria, and with a Nigerian IP Address, Can even View my account Balance Online,

Its kind of good thing for Nigeria, at least we are out with something to show, I am waiting for Nigerian PayPal,

0
Avatar
Newbie

Have u ever tried that issued by GTB? It's working and I think it's one of the best.

0
Avatar
Newbie

I have an Ecobank mastercard which I have been using since Dec 2005. I have used it on several occasions for online purchases on amazon which were delivered to me in Nigeria via DHL.

I also used in anytime I go to Europe and the US. Infact, I hardly carry cash for these trips again.

0
Avatar
Newbie
Your answer
Add image

By posting your answer, you agree to the privacy policy and terms of service.