1. What is the Busha Virtual Card and how does it work?
The Busha Virtual Card is a USD Visa card that allows you to make online payments anywhere Visa is accepted. Unlike traditional virtual cards, you don't need to fund your card separately before making a payment. Your transactions are automatically deducted from your available Busha balances, including USD, USDT, USDC and NGN.
Whether you're shopping online, paying for subscriptions or booking your next trip, your Busha Card makes global spending easier.
2. Who is eligible for a Busha Card?
To create a Busha Card, you must:
Be a Nigerian resident.
Have an active Busha account.
Complete KYC Verification Level 2.
Have a valid international passport.
Complete and pass the card eligibility screening questions.
Accept the Busha Card Terms and Conditions.
Card issuance is subject to eligibility approval.
3. How do I create my first Busha Card?
Getting your Busha Card is simple:
Open your Busha app and navigate to the Cards tab.
Select Create Card.
Review and accept the Card Terms and Conditions.
Complete the eligibility screening questions.
Submit your application for approval.
Once approved, your virtual card will be issued within minutes.
4. How much does it cost to create a Busha Card?
Creating a Busha Card costs just $2. This is a one-time fee charged for each card you create.
5. Can I create multiple Busha Cards?
Yes! You can create up to four virtual cards on your Busha account.
Each card has a separate $2 creation fee.
6. How do I create an additional Busha Card?
To create another card:
Open the Cards tab in your Busha app.
Select New Card.
Choose your preferred payment balance (NGN, USD or USDT).
Review the applicable fees.
Confirm your request.
7. Can I customise my Busha Card?
Yes! You can personalise your cards by changing their names and colours. You can name your cards based on what you intend to use them for, such as Shopping, Travel or Subscriptions.
Please note that card names are for organisational purposes only and do not affect how your card works.
8. Where can I use my Busha Card?
You can use your Busha Card on websites and platforms that accept Visa payments.
Some examples include:
Shopping: Amazon, ASOS, Temu and AliExpress.
Subscriptions: LinkedIn Premium, YouTube Premium and Amazon Prime.
Advertising: Meta Ads, Google Ads and Microsoft Ads.
Travel: Airline bookings, hotel reservations and other travel-related payments.
Lifestyle: Uber, entertainment platforms and other online services.
Please note that individual merchants may have their own payment restrictions, so acceptance is not guaranteed on every platform.
10. Which balances can I spend from?
Your Busha Card can spend directly from the following available balances:
USD
USDT
USDC
NGN
You don't need to move funds into a separate card wallet before making payments.
11. Do I need to fund my Busha Card before using it?
No. Your card is linked to your existing eligible Busha balances. When you make a payment, the required amount is automatically deducted from your available balance. There's no separate card wallet, manual top-up or card funding process.
12. How does currency conversion work when I make a payment?
Your Busha Card is a USD-denominated Visa card. When you make a payment, the equivalent amount is deducted from your available eligible balance. Busha handles the conversion into USD using the prevailing exchange rate at the time of the transaction.
FX fees may apply depending on the transaction.
13. Can I add my Busha Card to Apple Pay or Google Pay?
Not yet, but we're working on it!
14. What fees are associated with Busha Cards?
Busha Cards are designed to keep your spending simple and affordable.
Here's a breakdown of the fees:
Card creation: $2 per card.
Card funding: Free.
Card maintenance: Free.
Transaction fees: No additional Busha transaction fee.
Currency conversion: FX fees may apply.
15. Are there spending limits on my Busha Card?
There are currently no predefined daily or monthly card spending limits.
16. What happens if I don't have enough money in my Busha account?
If you don't have sufficient available funds to complete a payment, the transaction will be declined. Your card will remain active and will not be automatically frozen because of an insufficient balance.
You can add funds to your Busha account and try the payment again.
16. Why was my Busha Card transaction declined?
There are several reasons why a transaction might not go through, including:
Insufficient available balance.
The merchant does not accept Visa cards.
The merchant has restrictions on certain card types or issuing jurisdictions.
The transaction falls under a restricted or unsupported payment category.
A temporary issue with the payment network or service provider.
Additional verification or security requirements.
If your payment continues to fail despite having sufficient funds, please contact our support team through the Busha app for assistance.
17. What happens when I receive a refund?
Refunds are subject to the merchant's processing timelines and the applicable card settlement process. Once a refund has been processed, the funds will be credited to the relevant Busha balance according to the settlement process.
18. How do I dispute a card transaction?
If you notice a transaction you don't recognise or believe a payment was processed incorrectly, contact the Busha support team through the in-app support channel. Please provide the transaction details and any relevant supporting information so our team can investigate.
19. Can I use my Busha Card to buy or sell cryptocurrency?
No. Busha Cards cannot be used to purchase cryptocurrency, sell crypto, fund exchange accounts or trade digital assets.
20. Can I use my Busha Card to pay loans or other financial services?
No. Loan repayments, payday loans and payments to unlicensed lending services are not supported. You also can't use Busha Cards for illegal or prohibited activities, including:
Illegal drugs.
Weapons and ammunition.
Cybercrime and hacking services.
Stolen financial credentials.
Counterfeit goods.
Human trafficking.
Prostitution services.
Illegal gambling activities.
Regulatory evasion activities.
Need More Help?
Still have questions or experiencing an issue with your Busha Card?
Our support team is available to help. Reach out through the in-app support channel, and we'll be happy to assist you.
Happy spending with Busha!