UMVA Card FAQ
Frequently asked questions about UMVA virtual cards
Everything you need to know about getting, funding, and using your UMVA virtual card. If you cannot find your answer here, feel free to contact our support team.
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 privacy is our priority — no paperwork, no identity checks, no delays.
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. You can choose your preferred card network when generating your card. Multiple premium BINs are available for different use cases including advertising, e-commerce, and general spending.
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. No waiting for approval, no manual processing. Your card is valid for 5 years from issuance.
You can use your UMVA virtual card for any online payment where Visa, Mastercard, or Verve is accepted. This includes:
- Online shopping — Amazon, AliExpress, eBay, and more
- Digital advertising — Facebook Ads, Google Ads, TikTok Ads
- SaaS subscriptions — Netflix, Spotify, ChatGPT, Canva, and more
- Web hosting & domains — cPanel, hosting plans, domain registration
- App stores & gaming — Google Play, App Store, PlayStation, Steam
- Business tools — AWS, Google Cloud, Microsoft 365, Slack
You can fund your UMVA virtual card using multiple methods:
- Cryptocurrency — USDT, USDC, BTC, ETH (deposit and convert instantly)
- Visa, Mastercard, or Verve — deposit using your existing card
- Bank transfer — direct bank deposits
- User Balance — use your existing UMVA account balance
Absolutely! You can refill your virtual card anytime from your dashboard. Simply enter the amount you want to add and confirm. The balance updates instantly. A funding fee of 10% applies to each refill. If you encounter any issues with the refill process, our support team is available 24/7 to assist you.
You can freeze, block, or replace your card instantly from your dashboard. If your card is lost, stolen, or compromised:
- Freeze the card immediately from your account settings
- Generate a replacement card — your remaining balance transfers automatically
- Contact our support team for assistance with any fraudulent transactions
No monthly maintenance fees. You only pay a one-time issuance fee when you create your card. After that, there are no recurring charges. Your card is valid for 5 years with no monthly, annual, or inactivity fees. You only pay the funding fee (10%) and processing fee ($1) when you fund your card.
Yes! There is no limit on the number of virtual cards you can create. You can generate multiple cards for different purposes — one for subscriptions, one for ad spend, one for shopping, etc. Each card has its own balance and can be managed independently from your dashboard. Each card costs a one-time issuance fee.
Yes. Your virtual card details are protected with bank-grade security:
- All transactions use 3DS 2.0 secure authentication
- Your card details are encrypted and never shared
- Two-factor authentication (2FA) on every login
- Real-time fraud monitoring — automated and human review
- You can freeze or replace your card instantly if needed
- Tokenization support for Apple Pay, Google Pay & Samsung Pay
Your UMVA virtual card is valid for 5 years from the date of issuance. There are no monthly or annual maintenance fees during this period. When your card expires, you can generate a new one. The remaining balance from your expiring card can be transferred to the new card.
No. UMVA Card charges 0% foreign exchange markup. When you spend in a different currency, you get the real exchange rate with no hidden fees. Most banks and card providers charge 2-3% FX fees — with UMVA Card, you pay zero. There are also no authorization fees (0.00%).
Still have questions?
Our support team is available 24/7 to help you with any questions about UMVA Card.
Contact Support