What currencies are the virtual cards in?

Financiar virtual cards are issued via Stripe Issuing in USD, EUR, and GBP. The currency available to your account depends on your region.

Are these local-currency cards for Nigerian businesses?

No. For Nigerian and Ghanaian businesses, Financiar issues a USD card intended for international spend — SaaS subscriptions, ads, supplier payments. It is not a Naira or Cedi card.

Are virtual cards available in Rwanda and South Africa?

Not yet. Virtual cards are currently available for Nigeria, Ghana, United States, United Kingdom, Canada, and EU/EEA accounts. Rwanda and South Africa card issuance is on the roadmap.

Virtual USD, EUR & GBP cards for your global team

Issue Stripe-backed virtual cards for SaaS, ad spend, and international supplier payments. Set per-card limits, freeze instantly, and see every transaction — all encrypted with AES-256.

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Card numbers tokenised by Stripe · Never stored in plaintext · AES-256 spend data

VIRTUAL CARD · USD

•••• •••• •••• 4291

Cardholder

Acme Corp Ltd

Expires

12/28

Card •••• 4291 — controls

Active

Spend limit $2,000.00 / mo

Spent this month $1,249.00

Card availability by region

Nigeria & Ghana

USD card for international spend — SaaS, ad platforms, suppliers who invoice in USD. Not a local-currency card.

United States

USD cards. Issue multiple per team member, department, or vendor — each with its own limit and spend trail.

UK, EU/EEA & Canada

GBP (UK), EUR (EU/EEA), and USD (Canada) cards matched to your account currency.

Rwanda & South Africa

Card issuance on the roadmap. All other features — payroll, expense management, payouts — are available now.

What you control

Full card control from one dashboard

Every card you issue is visible in the same ledger — no reconciling across bank portals.

Per-card limits & instant freeze

Assign each card a monthly spend cap. Freeze or permanently close any card in one action — with immediate effect on Stripe's network. No waiting for a bank to process the request.

Unified spend ledger

Every card transaction lands in one ledger with merchant name, category, and timestamp. Reconcile in minutes, not days. Export a clean file for your accountant or ERP.

Instant issuance, zero wait

Create a card in seconds — no physical card required, no bank branch visit, no waiting period. Card details are available the moment issuance completes.

Common uses

What finance teams use virtual cards for

SaaS & tools

One card per subscription. Cancel a vendor by closing the card — no shared credentials, no surprise renewals.

Ad platforms

Dedicated cards for Google, Meta, and LinkedIn with limits matched to each campaign budget. Spend caps prevent overrun.

Team expenses

Issue each team member or department their own card. All spend rolls up into one view — no expense reports, no receipt chasing.

International suppliers

Nigerian and Ghanaian businesses use the Financiar USD card to pay international suppliers who invoice in USD — no local card required.

Card security

Tokenised by Stripe. Encrypted by Financiar.

Card issuance runs on Stripe Issuing's network. Card numbers are tokenised at issuance and never stored in plaintext on Financiar's servers. Every spend record is encrypted at rest with AES-256.

Tokenised card numbers
Stripe issues the card number token — Financiar never holds the plaintext PAN.
AES-256 spend data at rest
Transaction records stored as ciphertext. Decrypted only for authorised ledger views.
Transaction PIN on sensitive actions
Issuing a card, adjusting limits, and freezing all require your transaction PIN, verified server-side on every request.

Card security posture

Stripe

Issuing rail

AES-256

Spend data at rest

Instant

Card freeze / close

On card actions

Virtual cards do not require a physical card — no delivery wait, no lost-card risk. Freeze and reissue in under 30 seconds.

Virtual card questions

What currencies are the cards issued in?

USD, EUR, and GBP via Stripe Issuing. The currency available depends on your account region. Nigerian and Ghanaian businesses get a USD card. US accounts get USD, UK accounts get GBP, EU/EEA accounts get EUR. Canada accounts get USD.

Is the Nigerian card a Naira card?

No. For Nigerian businesses, Financiar issues a USD virtual card for international spend — not a Naira card. It is intended for paying international services (SaaS, ad platforms, suppliers who invoice in USD). You cannot use it at Nigerian POS terminals in the same way as a local debit card.

Are cards available in Rwanda and South Africa?

Not yet. Virtual card issuance is on the roadmap for Rwanda and South Africa. These accounts have full access to payroll, expense management, wallet funding, and same-currency payouts.

How are card details secured?

Cards are issued through Stripe Issuing. Card numbers are tokenised by Stripe and never stored in plaintext on Financiar's servers. All spend data is encrypted at rest with AES-256. Authentication for sensitive card actions requires your transaction PIN.

How many cards can I issue?

You can issue multiple virtual cards — per team member, per department, per vendor, or per SaaS tool. Each card has its own limit and spend trail. Exact card limits per account are shown in-app after KYC verification.

Get started

Issue your first virtual card today

Available for businesses in Nigeria, Ghana, the US, UK, Canada, and across the EU. No physical card required.

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