UMVA Card FAQ

No. No KYC is required to get a UMVA virtual card. You do not need to upload any identification documents, provide your address, or complete any verification process. Simply fund your account and generate your card instantly.

Your virtual card is issued instantly — in seconds. Once you fund your account and click "Generate Card," your card details (card number, expiry date, CVV) are created immediately and available in your dashboard. Your card is valid for 5 years from issuance.

Yes. You can create as many virtual cards as you need. There are no limits on the number of cards you can generate. Each card can be funded separately and used for different purposes such as subscriptions, advertising, or general spending.

Yes. You need sufficient funds in your UMVA account to cover the card issuance fee and any initial load amount. The exact minimum is displayed in your dashboard when generating a card. Once issued, you can add funds to your card at any time.

You can select from available BINs (Bank Identification Numbers) when generating your card. Each BIN may have different features, accepted regions, or merchant categories. However, the specific card number, expiry date, and CVV are generated automatically and cannot be customized.

We support Visa, Mastercard, and Verve virtual cards. Visa and Mastercard are accepted globally at 90M+ merchants worldwide. Verve cards are accepted across Nigeria and Africa. Multiple premium BINs are available for different use cases including advertising, e-commerce, and general spending.

Both Visa and Mastercard are accepted globally at virtually every online merchant. The key differences lie in the BIN characteristics: some BINs are optimized for specific merchant categories like advertising platforms (Google, Facebook, TikTok), while others work universally. Your dashboard shows which BINs are best for your use case.

UMVA virtual cards are prepaid cards. You load funds onto the card first, then spend up to the loaded amount. This means you cannot overspend or go into negative balance. All cards function as prepaid cards regardless of the network or BIN selected.

Yes. Some BINs are optimized for specific regions or merchant categories. Certain BINs work better with US-based merchants, while others are designed for international spending. The BIN descriptions in your dashboard indicate any regional considerations or recommended use cases.

Verve cards are primarily designed for use within Nigeria and Africa, though some international merchants may accept them. For global spending, we recommend using Visa or Mastercard BINs which are accepted at 90M+ merchants worldwide with no regional restrictions.

Issuance fees and load limits may vary slightly between BINs. Premium BINs designed for specific use cases like advertising platforms may have higher issuance fees or different funding limits. All applicable fees are displayed clearly before you generate a card.

You can fund your UMVA Card using Visa, Mastercard, Amex, or Verve debit/credit cards, cryptocurrency deposits (USDT, USDC, BTC, ETH, and more), bank transfers and direct deposits, or your UMVA account balance.

The minimum load amount varies by card type and BIN. Generally, you can load as little as $1 USD equivalent. Your dashboard shows the exact minimum load amount for each card and funding method available to you.

You can fund your card in USD, EUR, GBP, NGN, and several other major currencies. Cryptocurrency deposits are automatically converted to your card currency at live market rates. Your dashboard shows all supported funding currencies.

Cryptocurrency deposits are converted at live market rates aggregated from major exchanges. The rate shown at the time of deposit initiation is locked in for that transaction. There are no additional conversion fees or markups on crypto-to-fiat conversions.

Funding is instant when using your UMVA account balance or another UMVA card. Card payments and crypto deposits typically reflect within seconds to minutes after confirmation. Bank transfers may take 1-3 business days depending on the sending bank.

Your UMVA card can be used anywhere online that accepts Visa, Mastercard, or Verve cards. This includes 90M+ merchants worldwide for digital advertising, SaaS subscriptions, online shopping, hosting and domains, gaming, international payments, and more.

Yes. UMVA cards support recurring payments and subscriptions. Simply use your card details to sign up for any subscription service. Ensure your card has sufficient balance before each billing cycle to avoid declined payments.

Refunds from merchants are credited back to the same card they were charged on. Refund processing time depends on the merchant, typically 3-10 business days. Once the refund is processed, the funds become available for spending on that card again.

Transactions can be declined for several reasons: insufficient card balance, the merchant does not accept your card network, geographic restrictions on the BIN, the merchant is flagged as高风险 or restricted, or the transaction triggered our fraud prevention systems. Check your dashboard for decline reasons.

Spending limits vary by BIN and card type. Limits typically include a daily transaction limit, a maximum single transaction amount, and a monthly spending cap. Your specific limits are displayed in your dashboard card details section.

Yes. All UMVA Cards are protected by EMV 3D Secure 2.0 authentication. This provides an additional layer of security for online transactions, protecting you from unauthorized use. 3DS prompts may appear for qualifying transactions at participating merchants.

Yes. Your UMVA Card works internationally wherever Visa or Mastercard is accepted. With 0% FX fees, you can spend in any currency without worrying about foreign exchange markups. Just ensure your card has sufficient balance in the currency the merchant charges in.

The issuance fee varies by BIN and card type, typically ranging from a small flat fee per card. This is a one-time fee paid when you generate a card. The exact issuance fee for each available BIN is displayed in your dashboard before you create a card.

No. There are no monthly maintenance fees, no inactivity fees, and no hidden charges. Your card is valid for 5 years with zero ongoing costs. You only pay the one-time issuance fee when you generate a card.

We charge 0% authorization fee and 0% foreign exchange (FX) fee. This means every dollar you load onto your card is available for spending — no percentage lost to fees. International transactions use competitive exchange rates with zero markup.

No. There are no inactivity fees on UMVA Cards. Your card remains active for its full 5-year validity period regardless of how frequently you use it. Funds on the card also do not expire.

Card replacement is free. If you need to replace your card for any reason — such as suspected compromise, lost card details, or upgrading to a different BIN — you can do so from your dashboard at no additional cost.

Yes. UMVA Cards support Apple Pay, Google Pay, and Samsung Pay. You can add your virtual card to your mobile wallet for tap-to-pay at millions of contactless merchants worldwide, as well as for online purchases within apps and on websites.

In your dashboard, open the card details for the card you want to add, and select "Add to Mobile Wallet." Follow the on-screen instructions to add it to Apple Pay, Google Pay, or Samsung Pay. You may need to verify the card via SMS or email during the setup process.

Yes. Mobile wallets use tokenization technology, which replaces your actual card number with a unique device-specific token. Your real card details are never shared with the merchant during contactless payments. You can also use biometric authentication (Face ID, fingerprint) to authorize payments.

UMVA Cards are compatible with Apple Pay, Google Pay, and Samsung Pay. Support for other digital wallets varies. You can also save your card details in your browser or merchant accounts for one-click checkout, just like any other card.

Prohibited activities include illegal transactions, gambling where restricted, money laundering, fraud, purchasing controlled substances, and any activity that violates our terms of service. Please review our full guidelines page for the complete list of prohibited merchant categories.

Our fair usage policy ensures all customers have reliable access to card services. We monitor for unusual spending patterns that may indicate fraud or abuse. Legitimate business and personal use is always welcome without restrictions. Excessive chargebacks or policy violations may result in card suspension.

UMVA Card transactions are final. Chargebacks are not available as our cards operate on a pre-funded basis. For disputes regarding specific transactions, please contact the merchant directly or reach out to our support team for assistance in resolving the issue.

Yes. You can freeze and unfreeze your card instantly from your dashboard. Freezing your card prevents any new transactions from being authorized while keeping the card details and balance intact. This is useful if you suspect your card details have been compromised or for temporary spending control.

If you notice unauthorized transactions on your card, immediately freeze the card from your dashboard and contact our support team. We will investigate the transactions and help you secure your account. Since we monitor transactions in real time, we may also flag suspicious activity proactively.

Your card dashboard lets you generate new cards, view card details (number, expiry, CVV), check balances and transaction history, freeze or replace cards, set spending limits, download transaction reports, add cards to mobile wallets, update funding methods, and manage your preferred BIN settings.

Card details including the full card number, expiry date, and CVV are available in your dashboard under the specific card view. For security purposes, the CVV may be hidden by default and revealed on demand. You should never share your card details with untrusted parties.

UMVA Cards are valid for 5 years from the date of issuance. Before your card expires, you will receive a notification to generate a replacement. Any remaining balance on the expiring card can be transferred to the new card or withdrawn to your UMVA account.

You can reach our card support team via live chat from your dashboard, by opening a support ticket, or by email. For urgent issues such as suspected fraud, contact us immediately so we can help you freeze your card and investigate.