The M-Pesa GlobalPay virtual Visa card offers an easy and convenient way to make online payments, especially for international transactions. If you’re looking to pay for subscriptions like Netflix, shop on global e-commerce sites, or make international payments, this virtual Visa card is an excellent solution.
Let’s dive into the details of how to get the M-Pesa GlobalPay virtual Visa card and use it effectively.
What is the M-Pesa GlobalPay Virtual Visa Card?
The M-Pesa GlobalPay virtual Visa card is a digital card linked to your M-Pesa wallet, designed to facilitate online payments. Unlike traditional physical cards, the virtual Visa card exists solely in digital form and can only be used on global websites and apps.
Key Features:
- 16-digit card number, expiry date, and CVV (like a physical card).
- Exclusively for online payments; cannot be used for local in-person transactions or ATM withdrawals.
- Linked directly to your M-Pesa wallet for seamless payments.
This card is a result of the partnership between Safaricom (M-Pesa) and Visa, combining the convenience of mobile money with the global reach of Visa.
How to Get the M-Pesa Virtual Visa Card
Option 1: Requesting via USSD
- Dial
*334#on your phone. - Select Lipa na M-PESA (Option 6).
- Choose M-PESA GlobalPay (Option 5).
- Follow the prompts to complete the process.
- You’ll receive a confirmation message with your card details.
Option 2: Requesting via M-Pesa App
If you prefer a more visual method, you can activate the virtual Visa card through the M-Pesa app:
- Download and Install the M-Pesa App:
- Ensure the app is updated to the latest version.
- Log In:
- Enter your phone number and M-Pesa PIN to access the app.
- Activate the Card:
- Go to the Grow tab in the app.
- Select M-PESA GlobalPay.
- Click Activate.
- Customize Your Card:
- Choose a card color or design from the available options.
- Confirm Activation:
- Enter your M-Pesa PIN to finalize the activation.
Once completed, your virtual Visa card details (card number, expiry date, and CVV) will be displayed. You can always view these details later by selecting Show Card Details in the app (requires entering your M-Pesa PIN).
How to Use the M-Pesa GlobalPay Virtual Visa Card
The card functions like a regular Visa card for online payments. Here’s how to use it:
- At the checkout page on an online platform or app, select Visa as the payment method.
- Enter your virtual card details:
- Card number.
- Expiry date.
- CVV number.
- Complete the transaction. The amount will be deducted directly from your M-Pesa wallet.
Note:
- Ensure your M-Pesa wallet has enough balance to cover the transaction.
- The virtual card is not linked to Fuliza (M-Pesa overdraft) and cannot utilize Fuliza funds.
Key Details and Charges
- Foreign Currency Conversion Fee: 3.5% of the transaction value.
- Transaction Limits:
- Maximum per transaction: Ksh 150,000.
- Daily spending limit: Ksh 300,000.
- Minimum charge: $1 or its Ksh equivalent.
- Validity: The card becomes dormant after 6 months of inactivity. You can reactivate it through the app or USSD.
Benefits of the M-Pesa GlobalPay Virtual Visa Card
- Convenience: No need for lengthy bank applications. Activate it instantly.
- Security: Virtual cards are safer than physical ones as there’s no risk of losing them.
- Global Access: Ideal for paying international merchants, subscriptions, and services.
- No Maintenance Fees: Only a small conversion fee for foreign transactions.
FAQs
Can I use the M-Pesa Visa card locally?
No. The M-Pesa virtual Visa card is only for international payments. For local transactions, use the Lipa na M-PESA option.
How do I fund the card?
The card is linked to your M-Pesa wallet. Ensure your wallet has sufficient funds to cover transactions.
What happens if my card becomes dormant?
If you don’t use your card for 6 months, it will become inactive. You can reactivate it through the M-Pesa app or USSD.
Conclusion
The M-Pesa GlobalPay virtual Visa card provides a seamless and secure way to make online payments globally. With instant activation, ease of use, and compatibility with international platforms, it’s an excellent addition to M-Pesa’s services.
Activate your card today and enjoy hassle-free online transactions!
