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How to Get a Virtual Credit Card in Cameroon for Online Payments

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Gone are the days when you were required to spend more than 50,000frs and submit a long list of documents to open a bank account with a bank in Cameroon for you to be eligible to get a credit card to do online payments.

In addition to the hefty cost of opening a bank account in Cameroon and the long list of requirements, most banks in Cameroon will take more than two weeks before they can issue you a credit card (after standing in a long queue for hours at the bank). This long wait time often cause many Cameroonians (who are urgently in need of cards to do online payments) to lose opportunities.

Nowadays you don’t need to go through so much stress or spend a lot of money just to get a credit card to do online payments thanks to the availability of virtual credit cards in Cameroon.

Unlike the bank issued Visa & Mastercard cards, you don’t need to open a bank account account with any bank in Cameroon or submit any documents to any bank to be able to get a virtual credit card in Cameroon.

One interesting facts which has made virtual credit cards highly sought after in Cameroon, is the fact that within a space of 15 minutes, anyone in Cameroon can buy a virtual credit card with Mobile Money, load it and use it to do online payments from the comfort of their homes.




Somebody may likely want to ask What is Virtual credit card (VCC)???

Virtual credit card (commonly referred to as VCC) is a special type of credit card specifically designed for people who wish to do online payments “only” with no intension of withdrawing money from it via the ATM machines.

Virtual credit cards (VCC) functions almost exactly like the normal credit cards issued by UBA, Ecobank and as such can be used for shopping on any online shop, Apple Music subscription, Netflix subscription, verify PayPal accounts, pay for Facebook Ads and many more.

Whenever you buy an item online or pay for a service online with your virtual credit card, your virtual credit card balance will be debited…till the fund in your virtual credit card gets depleted/finished…and when you run out of cash, you can reload your Virtual credit card via Mobile Money and continue shopping online.

Users of the virtual credit cards also receive an SMSes and email notifications for every transaction done which enables easy tracking of transactions”.

Unlike the plastic credit cards (which is issued by banks), virtual credit credit cards (e-cards) are issued by authorized internet entrepreneurs in Cameroon commonly called virtual credit card issuers (VCC resellers) with license from the Visa & Mastercard company.

To obtain a virtual credit card from most VCC resellers in Cameroon, all you need to provide, is a photo of your valid Cameroon identity card, driving license or passport… and they will issue you a virtual credit card instantly.

This simply means that you can get a virtual credit card in Cameroon and fund it from the comfort of your home and start shopping online without you stepping foot in a bank.

The most apparent difference between virtual credit cards and the plastic debit & prepaid cards issued by the banks in Cameroon, is the fact that the virtual credit cards can only be used for online payments i.e. you can’t withdraw funds from a virtual credit card via the ATM machines in Cameroon as they are e-cards (intangible).

In other words, after you have obtained a virtual credit card from the VCC issuers in Cameroon, you will only receive your virtual credit card details digitally via SMS or Email, but do not get a physical card itself (I mean the plastic card) and therefore you cannot use it in traditional offline shops (POS) or ATMs.

After you have bought a virtual credit card from the VCC issuers in Cameroon, you will receive the following credit card details by Email (or the recipient will receive the info by SMS):

*** Name of Cardholder
*** 16-digit Virtual Card Number (40XX-XXXX-XXXX-XXXX)
*** 3-digit Security Code (CVV/CVV2)
*** VCC Expiration Date (XX/20XX)
*** Billing Address




You can use the above information (your virtual credit card details) to issue payment on any platform that accepts credit card payments.

Origin of the Virtual Credit Card idea

The virtual credit card idea is actually an old idea which has been implemented by the credit card companies to make credit card very accessible to the common man.

I remember back in my secondary school days, i bought my first domain name using my mum’s debit card.

She had to send me her credit card details (Card Number, 3-digit CVV security code and expiration Date) by email for me to buy the domain name online.

Just like me, you must have used the credit card info of a close relation to shop online many times, prior to the invention of the virtual credit cards.

This is possible because to shop online, you don’t need a physical card, all you need is the credit card info (Card Number, 3-digit CVV security code, expiration date and billing address) of a credit card.  This is explains how hackers are able to steal credit card details and use it to shop online without the concern of the owners.




So when you buy a virtual credit card from the virtual credit card issuers in Cameroon, what you will receive is just your virtual credit card details; which is enough for you to make payment on any online platform; where credit card payment is accepted. Your credit card details will be sent to your Email address or SMS.

Requirements for obtaining a virtual credit card in Cameroon

To get a virtual credit card in Cameroon from the authorized Virtual credit card issuers in Cameroon, you will need the following items/info….

1) A valid National ID card, passport or driving license as most virtual credit card issuers in Cameroon will demand that you send/upload a photo of one of the aforementioned identification documents to confirm your identity before they can issue you a virtual credit card in Cameroon.

2) Accessible Email address

3) Active Phone Number

4) Android powered smartphone to run their VCC App.

5) A Mobile Money account (this is very essential as most Virtual credit card issuers in Cameroon will ask you to pay VCC issuance fee via Mobile Money before they can issue you a VCC) and you will also be expected to fund your VCC with Mobile Money before you can start shopping online.

How to use a Virtual credit card for online payments in Cameroon

To use a virtual credit card, you just need to visit any eCommerce website (online shop) that accept credit card payments.

On the eCommerce website, you will be required to enter your virtual credit card details to issue payment.

Like i mentioned earlier, after you have bought a virtual credit card from an authorized VCC issuer in Cameroon, your virtual credit card details will be sent to your Email or SMS inbox.




Below is a sample of a virtual credit card details.

*** Name of Cardholder
*** 16-digit Virtual Card Number (40XX-XXXX-XXXX-XXXX)
*** 3-digit Security Code (CVV code)
*** VCC Expiration Date (XX/20XX)
*** Billing Address

Enter the above info on any eCommerce website and click on the CHECK OUT NOW button to issue payment as seen in the screenshot below.





If an ecommerce website accepts only PayPal, no worries, you can easily create a PayPal account on the PayPal Cameroon website and link your virtual credit card to your PayPal account….then you can buy from the ecommerce website with your verified PayPal Cameroon account without facing any issue.

A virtual credit card (VCC) is indeed a complete online payment solution for Cameroonians of all walks of life.

If you have a Mobile Money account, the you can get a Virtual credit card in Cameroon from the comfort of your home.

Best Virtual Credit Cards in Cameroon for Online Payments.

Nowadays there are lots of virtual credit card issuers in Cameroon.

In this post, I’m going to recommend two virtual credit cards; which in my opinion are the best virtual credit cards for online payments; accepted on all eCommerce website.

  1. Noupia Virtual credit card

Noupia virtual credit card is a mobile money funded virtual credit card which is issued by Noupia; a virtual credit card issuer based in Buea.

Mobile Money Funded Noupia Virtual Credit Card




How does Noupia Virtual Credit Card work???

  • Purchase a Noupia virtual credit card with the funds in your Mobile Money account.
  • After you have acquired a Noupia virtual credit card, you can then transfer money from your Mobile Money account to your Noupia virtual credit card and use your Noupia virtual credit card to shop online.

For example if I wish to buy an Android smartphone which cost 50,000frs from Amazon in Cameroon, i just need to get a Noupia virtual credit card from Noupia with the fund in my MoMo account. After i have bought my Noupia virtual credit card, i just need to fund my virtual credit card by transferring $90 (50,000 Frs CFA) from my Cameroon MoMo account to my Virtual credit card.




After funding my virtual credit card, i can then use my virtual credit card to issue payment.

10 interesting Features of  NouPia Virtual credit card.

  • It cost just 2000frs CFA to buy and fund Noupia Virtual credit card.
  • The minimum initial deposit is 3000frs CFA.
  • You can easily fund your Virtual credit card by transferring money from your MoMo account to your Noupia credit card (cash-in is instant/there’s no delay!)
  • Validity period of a Noupia Virtual credit card is 4 yrs (this simply mean that you can keep funding and using your Noupia virtual credit card for 4 yrs)
  • Noupia offers both Visa and Mastercard virtual credit cards hence you can use your Noupia virtual credit card to shop on any online shop that accepts Mastercard and Visa cards as Noupia virtual credit card is a Mastercard/Visa branded virtual card.
  • Noupia Virtual Credit card holders can transfer money to other Noupia Virtual Credit card holders (do Card to Card Transfer).
  • Noupia Virtual Credit card holders can transfer money from the Noupia Virtual Credit card account balance to their MoMo account (withdrawal is instant i.e. takes just seconds) and Noupia charges just 200 frs for every withdrawal.
  • Noupia Virtual credit card account holders can link their virtual cards to their PayPal accounts to shop online on shop that accept PayPal (however we are still to confirm if its possible to transfer money from a PayPal account to Noupia Virtual Credit card account balance )
  • Noupia charges just a little transaction fee for the usage of their virtual credit card (3% card load fee and 3% withdrawal fee for every withdrawal to Mobile Money account). Simply put you will be charged 200frs for every withdrawal and 300 frs for every card load.

Disadvantages of the Noupia Virtual credit card.

  • No ATM withdrawal i.e. Just like other virtual credit cards, Noupia virtual credit cards can only be used for online shopping and to pay for online subscriptions. In other words, you can’t withdraw money from your Noupia Virtual credit card via the ATM machines in Cameroon as its not a physical or plastic card.
  • Noupia virtual credit card holders are responsible for the protection of their virtual credit card details and won’t be refunded in the case of fraud.

How much does it cost to get a Noupia Virtual credit card in Cameroon??

Noupia’s virtual card issuance fee is 2000frs CFA and their minimum initial deposit is 3000frs.

What’s the validity period of Noupia Virtual credit card???

The validity period of Noupia MoMo virtual credit card is 4 yrs. This simply mean that for a period of 4 yrs, you can keep funding your Noupia MoMo virtual credit card with MoMo and use it to pay your Netfllix subscriptions in Cameroon

Requirements for acquiring Noupia’s virtual credit card in Cameroon.

To obtain Noupia’s virtual credit card, all you need is an Android smartphone, a valid ID card, Email Address, a working WhatsApp number and 5000frs for your initial deposit. Yes! that’s all you need.

There is zero paper work to do as you don’t need to submit passport size photographs, photocopy of your ID, Tax identification number, photocopy of utility bill and fill a form, just to get the virtual credit card (unlike the procedures and requirements of the banks).

How to get Noupia virtual credit card in Cameroon.

The procedures to get a Noupia virtual credit card in Cameroon is very simple and straight forward. This explains why it is currently the most sought after virtual credit card in Cameroon.

You can sign up and get a Noupia virtual credit card from the comfort of your home within 10 minutes…and start making online payments.

To get Noupia’s virtual credit card, you just need to go through the simple procedures below…

  1. Visit Noupia website via this link https://noupia.com/ to install the Noupia app. 

On Noupia website, you will find a link that will take you to the specific page on the Google Play store; where you can install the genuine Noupia App. The file size of the App is just 2.99MB.

2. Create an Account (Register).

After installing the Noupia App on your Android smartphone, you will need to create an account on the App by providing your legal name, Email Address, WhatsApp Phone number and a referral code. Yes! that’s all you need to provide for your account to be created.

Don’t have a referral code??? Use my referral code to Sign up on Noupia.

My referral code is: 787120

3) Verify your identity

After creating an account on the Noupia platform, you will be taken to your account dashboard; where you will be expected to verify your WhatsApp phone number, Email address, accept Noupia terms…and lastly, you will be expected to upload a photo of your valid national ID card/Passport (front and back view) and also upload a selfie holding your ID, to complete the sign up process.

Somebody may likely want to ask, Why do I need to verify my Identity?

For regulatory processes and to comply with government laws, Noupia is obliged to verify your Identity as a person before they can issue you a virtual credit card. Reason why you need to send a photo of your Government Issued ID card/Passport to Noupia for verification. Once verified and approved by the Noupia team, your account will be activated and a virtual credit card will be generated in your name for you to fund and start shopping online, pay Facebook ads, online subscriptions etc.

Noupia Virtual Credit Card

4) Fund your Noupia virtual credit card.

Before you can start shopping online with your Noupia virtual credit card, first you will need to fund your virtual credit card by transferring a certain amount of money from your Cameroon MoMo or orange money account to your Noupia virtual credit card.

After you have funded your Noupia virtual credit card, you can start shopping online on any eCommerce website of your choice.

2)  Virtual Credit Card by Virtual CC Africa

Another credible virtual credit card platform; where Cameroonians can easily get a virtual credit card for online shopping is the Virtual CC Africa platform.

One of the reasons why most Cameroonians prefer to get virtual credit cards from the Virtual CC Africa platform is due to the fact that you don’t need to provide any identification document before you can be issued a virtual credit card on the Virtual CC Africa.

To get a virtual credit card on the Virtual CC Africa platform, all you need to provide, is your first & last name…and the Email address; where your virtual credit card details will be sent to, after purchasing a virtual credit card.

It will cost you 7500 frs to purchase a Virtual credit card from Virtual CC Africa and the virtual credit card comes with $5 preloaded on it.

Your virtual credit card will be sent to your email address within 5-10mins after purchase.

Note that every detail you require to use the card will be available in your email. The transaction receipt autogenerated by the Virtual CC Africa  system can also be used as proof of payment (if required) should an issue arise.

Virtual CC Africa says their virtual credit card be used to run Facebook Ads, Google Ads, pay for products and services on websites like amazon, Alibaba and basically every platform that accepts VisaCards and MasterCards as methods of payment. They also claim that their virtual credit cards can be linked to your PayPal account.

To use your virtual credit card, simply copy the required details ( This include the Card Number, CVV, Expiry Date and Zip Code if requested) on the platform where you wish to make the purchase. Their virtual credit cards do not require any verification codes to make a purchase.

To purchase a virtual credit card from Virtual CC Africa, simply visit the Virtual CC Africa website and  click on the ORDER NOW button found on the website…and then follow the instructions to purchase a virtual credit card via MoMo or credit card.

After you have purchased a virtual credit card from Virtual CC Africa (which will cost you 7500 frs ), your VCC details will be sent your Email address within 5-10 mins after purchase.

To start shopping online, first you will need to recharge your virtual credit card.

Like i mentioned earlier, Virtual CC Africa virtual credit cards will come with $5 preloaded on it

To recharge your card, simply click the recharge link that comes along with your virtual credit card, fill in the required information, Pay, and your top-up confirmation will be sent to you within 3 minutes.




Summarily, Virtual credit card is a safe and secure way to make online payments without having to use your plastic debit, prepaid or credit card. Getting a Virtual credit card is also a very convenient process and does not require a trip to a branch to pick up, activate and fund it”. You simply buy a virtual credit card with Mobile Money and receive the virtual credit card details by email or SMS.

Virtual Credit card issuers in Cameroon (Like Noupia and Virtual CC Africa ) offers Cameroonians of all walks of life, the opportunity to have a Visa Card OR MasterCard to make online payments, without the stress of going to the bank and waiting for weeks and  also provide a means to top up your virtual credit card using your MTN/ORANGE money for users who may not have a bank account or users who don’t like going to bank to deposit.

If you need help about acquiring virtuals credit cards with the two recommended Virtual Credit Card issuers in Cameroon, WhatsApp and i will guide you on how to get a virtual credit card from Noupia and Virtual CC Africa.







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