Get a virtual Visa or Mastercard in seconds. Pay Netflix, ChatGPT, Shein, Apple, Meta Ads — anywhere Visa or Mastercard is accepted online. Plus Pay4Me, Swap, bills, and instant transfers — all in one app. No domiciliary account needed.
Built for freelancers, students, diaspora families, and anyone who moves money across borders. One app, every cross-border tool you need.
Create a virtual Visa or Mastercard in under 60 seconds. Spend anywhere online — Netflix, ChatGPT Plus, Shein, ad platforms, and more. No domiciliary account needed.
Pay international subscriptions, school fees, online shopping, and flights in Naira. We pay abroad on your behalf and deliver the confirmation receipt.
Convert PayPal, Skrill, Neteller, CashApp, and Payeer to Naira at live competitive rates. Perfect for freelancers and remote workers paid in USD.
Airtime, mobile data, DStv, GOtv, Startimes, and electricity tokens for every Nigerian distribution company. Instant delivery to your phone and meter.
Send to any KachiPlug user free, or to any Nigerian bank account. Arrives in minutes, transparent fees, no hidden charges.
Face ID, Touch ID, fingerprint, transaction PIN, 2FA, and 256-bit encryption everywhere. Your money and data are protected by default.
Two virtual USD card options. Both work everywhere Visa or Mastercard is accepted online. One-time fee. No monthly maintenance, ever.
Best for everyday online and international payments.
✓ No monthly maintenance fee
More flexibility plus contactless tap-to-pay everywhere.
✓ No monthly maintenance fee
Pay anywhere Visa or Mastercard is accepted online — and with Elite, in physical stores via Apple Pay and Google Pay.
… and tens of thousands more — anywhere online that accepts Visa or Mastercard.
Get paid in PayPal, Skrill, Neteller, CashApp, or Payeer? Swap to Naira at live, competitive rates in seconds. Built for Nigerian freelancers and remote workers.
Send us the link or invoice. Pay in Naira. We complete the transaction abroad on your behalf and send you the confirmation. Used by hundreds of Nigerians monthly for things their card can't.
IELTS, TOEFL, GRE, GMAT, university tuition, application fees — paid directly to the institution.
International flight tickets, visa fees, hotel bookings, and travel insurance — paid in Naira.
Items from Amazon, eBay, AliExpress, ASOS — anywhere your card might be declined for cross-border reasons.
Annual subscriptions, business software, hosting, premium services — paid in your name.
From download to first transaction in under 5 minutes.
Get the KachiPlug app from the App Store or Google Play. Sign up with your phone number or email — takes under a minute.
Quick BVN verification keeps your account secure and unlocks every feature — cards, transfers, and Pay4Me.
Tap Cards → Create. Pick Standard ($2) or Elite ($5). Card is ready in seconds and funded from your wallet.
"Best virtual dollar card I've used in Nigeria. Created in seconds and worked first time on Netflix and ChatGPT Plus. No domiciliary account stress."
"Pay4Me literally saved my admission. Paid my IELTS in Naira and they sent me the receipt the same day. I tell every friend applying abroad."
"As a freelancer paid in PayPal, Swap is a lifesaver. The rate is honest and the Naira hits my account in under a minute. Way better than the old peer-to-peer hustle."
"I run Meta and Google Ads for clients. The Elite card with Apple Pay just works. Card never declines, dashboard balance is always live, support replies fast."
"The cleanest fintech app in Nigeria right now. Cards, bills, electricity tokens, and free internal transfers in one place. I deleted three other apps."
"Send my sister in Lagos money every week. KachiPlug-to-KachiPlug is free and instant. The bank transfer option arrives in seconds too. No more wahala."
A clean, fast, no-nonsense interface designed for one thing: getting your money where it needs to go.
No hidden charges, no monthly fees, no surprises. You always see the rate before you pay.
| Service | Fee |
|---|---|
| Standard virtual USD card (one-time issuance) | $2 |
| Elite virtual USD card (works with Apple Pay & Google Pay) | $5 |
| Card monthly maintenance | Free |
| Fund wallet from any Nigerian bank | Free |
| Send to another KachiPlug user | Free |
| Withdraw to any Nigerian bank account | ₦52 |
| Send to a Nigerian bank account (in-app) | from ₦20 |
| NIBSS stamp duty (Federal regulation, transfers ≥ ₦10,000) | +₦50 |
| Swap between fiat wallets (PayPal, Skrill, etc.) | Live rate |
| Pay4Me services | Displayed per category |
The most common questions about KachiPlug, the virtual USD card, and how it all works.
System requirements: iOS 15.1 or newer (iPhone, iPad) · Android 7.0 Nougat or newer · Internet connection required · Available globally — optimized for users in Nigeria
Join thousands of Nigerians using KachiPlug to manage money across borders. Free to download. One-time card fee. No monthly charges.
