What you need to know:

The scarcity of foreign exchange has forced Banks in Nigeria to limit international transactions on naira debit cards (MasterCard and VISA) to $20USD per month. What this means is that you would not be able to make an international transaction above $20USD on all your naira debit card
(MasterCard and VISA) per month.

(NB: This regulation affects every dollar payment you want to make across every payment gateway- PayPal, Stripe, American Express, etc.)

How to ensure a successful international transaction:

  • Ensure you have enough money in your account
  • Ensure the transaction is not more than $20
  • Ensure you have not reached your $20 monthly cap

Ensure you use cards that have been verified for successful international transactions (Some of these cards are Zenith bank Naira MasterCard, GTBank Naira MasterCard, Access Bank Visa card, FCMB card, UBA Prepaid Card (Africard), and Wema Bank Dollar Card)


What if I comply with the above and I still get an error message:

Use another card that is among the suggested cards above.

What if I want to pay above $20USD?

  • Visit any of the tier 1 banks in Nigeria (Access Bank, GTBank, UBA, First Bank) to request for a dollar MasterCard. 
  • Use the newly collected dollar MasterCard to make payment
  • (The monthly limit on a dollar MasterCard is $1000)