Things can go south. They did for Jessica Ikenna. The excitement of coming to the United States cleared when she could not buy her necessary needs in Dallas as an international student. The first few days had gone south for her when she couldn't open a bank account. She had spent the little cash on herself. If only she had a Pay4Me USD virtual card, she wouldn't be awkward financially.

Travelling abroad as an international student or a first-time traveller can be an exciting experience, but taking care of payments abroad often comes with some challenges. Most travellers' first mistake is erroneously believing that the United States works like Hollywood movies.

As a first-time visitor, making seamless payments without excessive fees or handling currency conversions should be your priority. You don’t have to worry about this if you have the  Pay4Me USD Virtual Card, which offers users practical financial solutions in the US, especially those from Nigeria. 

Read: Introducing Pay4Me USD Virtual Card for International Payments

What is the Pay4Me USD Virtual Card?

The Pay4Me USD Virtual Card is a digital payment card that allows users to make payments for their online shopping, services and subscriptions, hotel bookings, and even shopping at international stores.

It’s important to note that this digital card can only be created and used by verified users in Nigeria. Verification on the Pay4Me App ensures that every card user complies with regulatory requirements, such as anti-fraud regulations like Know Your Customer (KYC) and Anti-Money Laundering (AML).

How to Get Started with the Pay4Me USD Virtual Card

We have created a simple step to help you get the Pay4Me USA Virtual Card for your travelling; here is what you should do:

Download the Pay4Me App: The first step is to download the Pay4Me app on both Android and iOS stores.

Register and Verify Your Account: You must register and verify your identity, which involves providing personal information, such as your full name, valid identification (e.g., passport, national ID), and proof of address.

Fund Your Account: After verification, you can start using the app, which allows you to fund your Pay4Me wallet in Naira. The app automatically converts your funds into USD, which you can load onto your virtual card.

Create the USD Virtual Card: You can create your Pay4Me USD Virtual Card. You will receive card details, including a unique card number, expiration date, and CVV (security code).

Here's how it works:

1.    Go to the "Cards" page

2.    Tap "Get started"

3.    Create your card

With your card details available, click the funding button and add funds using your wallet or one of our supported payment providers.

Why Get Verified and Create the Card in Nigeria?

Here’s why the verification process and card creation in Nigeria are necessary:

Fraud Prevention: The verification process helps reduce the risk of fraud, identity theft, and minor risks. It ensures that the card is only available to genuine users, providing peace of mind when using it internationally.

Regulatory Compliance: The card’s verification process aligns with Nigerian financial regulations, such as the Nigeria Data Protection Regulation (NDPR), ensuring it's used securely and ethically.

Benefits of Using the Pay4Me USD Virtual Card Abroad

First Debit Card for First-Time Visitors: The Pay4Me USD Virtual Card can be your financial support in the United States until you open a bank account. In addition, family and loved ones can easily spend money on your Pay4Me App and convert it to your card.

Easy Access to USD Currency: The card gives you peace of mind when transacting abroad without carrying cash. With the card, you have USD to make payments.

Control and Convenience: With the card, you have full control of your spree spending. It's easy to use and offers no stress of securing your card since it's a digital card.

Instant Processing: Enjoy quick transactions without the high fees often associated with international payments.

Increased Security:  You can freeze the card if you feel your online presence has been compromised or suspect fraudulent activity.

Perfect for Online Subscriptions and Services: Do you want to subscribe to an online platform or pay for a service? The Pay4Me USD Virtual Card can help make online transactions without hassle.

Reduced Exchange Rate Hassles: You don’t suffer unfavourable exchange rates abroad because you have the USD in your wallet.

Widely Accepted for International Payments: The Pay4Me USD Virtual Card is accepted for making many payments. Whether you want to go shopping, pay for services like ride-hailing apps, or make subscriptions, the card is versatile enough to allow you to explore your new environment without payment issues.

Tips for New Travelers Using the Pay4Me USD Virtual Card

Ensure Your Card is Funded Before Travelling: You should fund your card before you travel to the United States. Without a funded Pay4Me wallet or card, it might be challenging to start calling for help abroad. 

Keep a Backup Payment Method: Most people dream of coming to America. While the Pay4Me USD Virtual Card forms a first line of financial defence, we recommend that you have a backup payment method, such as a small amount of local currency, in case of emergencies.

Monitor Your Spending Through the App: The Pay4Me app makes tracking your expenses easy. Monitoring your spending in the first few days becomes easier with the check and balance on your transaction history.

Be Aware of International Fees: You should understand that some small international transaction fees might happen abroad. We recommend you understand the terms and conditions of some online shops you are using.

Lock in Prices: You can lock in prices online by making some payments in Nigeria with your card to avoid exchange rate fluctuations.

Read: A Guide to the USA J-1 Visas for Teachers & Lecturers

Conclusion

The Pay4Me USD Virtual Card offers a convenient and secure way for new international students or travellers from Nigeria to settle abroad fast. With its easy access to USD, reduced exchange rate hassles, and wide acceptance of international payments, Pay4Me simplifies your travel experience. Before packing your bags, ensure your Pay4Me USD Virtual Card is ready. 

Happy travels!