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Zenith Bank Websurfer Mastercard: How Reliable?

I've been searching for a means of payment for goods/services online. I just stumbled on the Websurfer Mastercard issued by Zenith bank and I'd like to know how reliable it is. I understand most international merchants do not accept Nigerian bank issued credit cards. So if u know a thing or two about this Websurfer card, please share.

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35 answers

Well at http://myafricanstore.co.uk , you no longer need a bank card to shop with major UK brands. Amazon, ebay, Argos, M&S, even Tesco are linked directly to us. And more retail brands are coming onto our platform. Well, just see for yourself ..

http://myafricanstore.co.uk/order/search.php

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The Websurfer card is a physical card, I have used it for 3 years now, I don't shop much online so I use it only to pay for my professional exams which is why I got it, So for me its reliable.

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I thought zenith websurfer is not a physical card. I.e. zenith does not give you a plastic like card but send the details of the card to your email for you to use.

However, I have tried GTB mastercard on amazon without success. I have also tried zenith visa card without success too. so if amazon was unable to process zenith visa card, will they be able to process zenith websurfer?

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How long did the books take to get Nigeria?

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very reliable, although not accepted on some website that dont accept nigeria ip address,been using it for 4yrs.

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it good. worth trying.

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I've been able to resolve this. I have used the websurfer card successfully. I join to say that this is a reliable card from Zenith bank and would recommend it to anyone

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i have websurfer from zenithbank and a mastercard from GTB. both useless.

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I just got one yesterday and it was activated today but when I checked my balance it read -20 even when I've paid them Dollars in the bank. I have not said the card is not good but I need advice from those who have used it. Is this what you faced? what do I do next? could it be my money has not yet been posted?

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thanks a lot.

i've learnt some new ideas which many may not be conversant with.

keep up educative and informative posts

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Sorry I beg to disagree with some of the replies of

this post.The Zenith Bnak Websurfer account is,as

far as I am concerned,the best card in Nigeria today.

If you are you experiencing any problem,whatsoever,

just simply write the site and within 3days,your problem

will be solved.I believe that the reason why any site will

reject you,whatsoever,is maybe because they feel the

card is stolen.

Like I said just write them and they will apologise and

and give you what you want.Remember they in for business

and I see no reason why they should reject you.

What I observe and I would beat my hand on my chest

is that most of those guys that are replying this post have

never used the card or maybe they are using it for fraudulent

motives.

This is a card I have used for more than three years now.

And I have never experienced any problem as such.

If I may repeat,if you are using the Zenith Websurfer Card

and you experiencing a difficulty,just simply write the

site and the problem will be rectified wthin days.

To your success.

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i have just got my web surfer card, but i have not recieved any mail from zenith bank, i dont know how to use the card, can anyone help me pleas

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i dont know much about this stuff and i also want to get one. So could someone who as already got one try this: open the site with another site like tunneldirect.com This site changes your IP, in other words it changes your location. See if it works and give me a feedback.

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I offer online payment service for anyone in Nigeria.

:DCall me on

08052333682, 07084494880

or

contact me at:

#38, 2nd floor, right wing, olowu street off Awolowo way, Ikeja

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2Checkout [2CO] routinely rejects cards issued by Nigerian banks. All you need do is look for merchants that are not using 2CO.

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print the online statement out then and send it to them

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I have used the websurfer card on yahoo and it worked well after yahoo funded the card with less than a dollar and asked for the actual amount they added to the card. I tried it on 2 sites that use 2checkout as their credit card processor and it was rejected. Right now I'm arguing the authenticity of the card with 2checkout but they want me to fax the statement to them and websurfer uses an online statement.

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I got a websurfer since December 2006 and it works fine

When you try and use it in some sites, they may reject it but if you contact the admin, they will send you another link to use for the payment.

On one occassion, a staff of the company I was trying to do business with called me from the U.S to confirm my order.

It was after the call that they removed the money from my account but I had already downloaded what I wanted from the site.

I also got a list of some websites that accept the card without stress from Zenith bank

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there are things you need to know about zenithbank websurfer card.

1. it is a prepaid mastercard not a debit card.

2. it is not a virtual card as some of u guys think.

3. it is the same mastercard you have anywhere in the world.

the challenge is that.

in the US of A, there's AVS- address verification system which does not accept addresses outside the USA. this is experienced by some other continents as well eg some cards from the UK are not accpeted by some US merchants just like Nigerian Mastercard.

Please note that some merchants still accept the card in the USA.

NB.

it is the merchant's discretion to accept or reject your card.

some your posts are correct like the scam issue but not all.please verify your information well before posting.do not mislead people.

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what and what did u purchase on those occasions? were they goods or services?

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I would recommend it!

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It works pretty fine for me. I have used three times now.

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I think he meant IP and not ISP . If you are shopping online and you enter your credit card details, the system checks the address of the card owner and compares it with the IP address of the network you are browsing from. This is called the AVS system. Address Verification system. So if you are shopping from nigeria, and the address on the card says UK or Us, they will flag the process and hold the transaction because the IP address of your computer, indicates Nigeria. If you were from other "trusted" countries , they may give you a benefit of the doubt that you are on a travel/vacation and ask you to send proof of card ownership but if you are Nigerian and in nigeria and you contact them, sorry no show. Unless the AVS system checks out.

I have not had problems using my credit card except on two isolated cases.

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well i have a websurfer card and have been usin i since january 2007,i wont agree with most replies on this questions cos am quite okay with the services of the card

i have used the card to make online payment for my postgraduate application to about 2 schools-i mena application fess and i ahve used it to purchase books from amazon book

the only challenge i ever had was with my payment with amazon in which amazon requested more information from the card issuer; i just called the IT deparment # at the back on the card and zenith did send to amazon all required document via fax and withiin 72 hrs my order was effected

this is my own story am enjoying my card-so far so good

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If you say that it doesnt have your name on it, then thats going to be a problem. Using my credit card to pay online, I run into sites that will just flag the transaction with a fraud alert once they see your location through the AVS system. If I still have problems once in a while when using my credit card with my name, address and everything on it, what do you expect of the *websurfer*? I suggest you get a Dom account with any of the banks that issue mastercard and get a card.

This is one of the reasons why I detest the Yahoo Yahoo boys and all that rubbish. Majority of Nigerians, who are into legit business, are being hard done by the activities of this misguided and unrepentant few

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Zenith Bank Websurfer Mastercard is not that reliable because most merchants (especailly those with third party payment processors like clickbank.com and paypal.com) don't accept it. The issues are:

# Nigerian IP address are flaged for scam or spam

# Nigerian address is also flaged, and if you use a U.S or U.K address, it won't match with your ISP provider link

# Zenith Bank cannot back up the purchase since it is debit card not credit card

Even though you use software to manipulate the ISP link, they will detect it. For a credit card to work, it's owner address must match the ISP, the bank details, etc

The solution to online payments for Nigerians is to ask a friend or relative abroad to help you out with your purchase. Or use the service of businesses who can use their contact abroad to make the payment. They will charge commission. You can use www.oxcheck.net they make payments by credit card, cheques, paypal, Nairapro, egold, money orders, etc.

Over the years I have had expereince with credit card. I bought my first credit card in 1999. I loaded it from the U.S, and it carried my name but a New York address and phone no. I made some payments but the big processors like paypal.com were denying it. So any time I want to make online purchase, i will spend days looking for a site that will accept me.

Now I noticed that most site are moving to third party services for security reasons. I dump that card with about $60 left inside.

Getting a proccesor to accept payment on your site is the same as paying. My first payment processor cancelled my account one week after they noticed I was operating from naija. I tried more and kept getting problems before God link me to a new site. They operate from German, and so far I've gotten two cheques.

Taking advantage of Internet is limited to Nigerian becuase of our government and 419.

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It is ok! More so when you have sufficient funds to play around with! Such funds are not too difficult to come by at Club Freedom.

Club Freedom has changed the way Nigerians look at Travel and Tourism. Membership affords free international travels plus an excellent business plan to earn over $6,000 every travel cycle at the board. Registration is simply by sending a request for more information to me through my email: travellingjobs@yahoo.com

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just same like other card

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@neroflick

The web online payement if e-gold is inclusive on their payment system easy and convenient to pay, check and confirm if e-gold is among the virtual payement accepted, then go to e-gold site register and make your payement with your account number.

regard

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I am going to apply for one today at zenithbank. i downloaded the form which had a ref no to it. it actucally a virtual card with all your details sent to your email.so once i get a hands on it, will let yo guys know.

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Its a physical card, but its meant to be used exclusively online. It doesn't even come with your name on it. However, you don't need to have an account with Zenith, to own one.

See: http://www.zenithbank.com/debitcreditcards.cfm

As said earlier, some merchants WILL reject you for the simple reason that you are located in Nigeria.

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Is the Websurfer Mastercard a physical card like the others? If so, then how is it different?

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I have not used it personally, but i know someone who had a very bitter experience with it. Despite all the proof he tendered about the card being his, the order was still declined.

Your could still go ahead and give it a try, since some other websites will still accept it.

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@ syskay

thanks for the info , but if may ask, have u ever used it? i just need basically to pay for services (domain, hosting, downloadables, etc). do u think it could work for all these? cos i'm in dire need of a inexhorbitant means of making payments online.

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It works for some merchants, while some other merchants reject it. many online merchants simply don’t wanna have anything to do with Nigeria. So if you don’t want any disappointments, ask a friend or relative abroad to help you out with your purchase.

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