Timon offers a basket of cards, USD and NGN, virtual and physical, to support your wide range of online and in-person spending needs. Whether you’re paying locally, shopping on US-based websites, or traveling, we’ve got you covered.
And here’s a tip:
If one card doesn’t work on a platform, don’t panic, try another one from your Timon card basket! Each card type is built for specific use cases.
1. USD Physical Card (Local Address – VISA)
Best for: In-person payments, travel, or POS use.
Why Choose It:
A VISA physical card you can swipe at stores or withdraw cash.
Works on most websites that accept local billing addresses.
Great for travel and everyday spending.
Heads Up:
Won’t work on platforms that require a US billing address.
2. USD Virtual Card (Local Address – VISA)
Best for: Online shopping on Nigerian and most global sites.
Why Choose It:
Instantly issued, secure virtual VISA card.
Accepted by most websites that don’t require a US address.
Budget-friendly option for regular online buyers.
Heads Up:
Won’t work on platforms that require a US billing address.
3. USD Virtual Card (US Address – Mastercard)
Best for: Platforms requiring a US billing address.
Why Choose It:
A virtual Mastercard that unlocks US-exclusive websites and services.
Ideal for freelancers, business owners, and remote workers.
It also works on platforms that may reject prepaid cards; in such cases, this Mastercard is your go-to.
Heads Up:
May not work for websites requiring local billing details.
4. NGN Virtual Card
Best for: Nigerian payments in Naira, no conversions!
Why Choose It:
Spend in Naira, no FX conversion.
Ideal for local apps, subscriptions, and Nigerian online stores.
Instant, virtual, and easy to use.
Heads Up:
Not designed for international or USD transactions.
Why You Should Mix & Match
Every platform is different. Some accept Nigerian cards, some require US billing, and others may prefer Mastercard or VISA.
That’s why we’ve built a basket of cards each optimized for different needs:
Local or international
USD or NGN
Virtual or physical
VISA or Mastercard OR Verve
? If one card doesn’t work, try another.
You don’t need to be stuck, just switch cards and keep going.
? Need Help Choosing?
If you’re not sure what card to use:
Consider where you’re shopping (Local vs. US)
Check if you need a physical card or not
Think about your preferred spending currency
And remember: you can own more than one Timon card
Happy spending with Timon!
Need help? We’re always one message away.