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MoMo

Virtual Card

What is the Virtual Card by MoMo? What is the Virtual Card by MoMo?

A digital card issued by MoMo for secure online transactions, supporting local e-commerce and subscriptions via Mastercard.

Who can use it? Who can use it?

MTN MoMo users

How to fund it? How to fund it?

MoMo Menu *126#. Direct code *126*43#. MoMoApp

Can it be used internationally? Can it be used internationally?

Yes, it can.

Service fees Service fees

• Activation fees 2500 xaf
• Card replacement 3500 xaf
• The top up fees are 0.5% capped at 1004XAF with the min:54XAF and the max: 1004XAF . It is the same as the p2p fees via ussd.
• For the online payments fees
1.5% for euro or local currency
4.5% (1.5% as transaction fees + 3% FX markup) for fluctuating currencies.

How long to create? How long to create?

Instantly, once the wallet is debited.

Where to use? Where to use?

Online platforms accepting Mastercard (e.g., e-commerce, subscriptions).

Can it withdraw cash? Can it withdraw cash?

No, for online transactions only.

How to view card details? How to view card details?

USSD *126*43# , Pin code , option 1 then 3. (View Card Details) or Via MoMo App.

How to block the card? How to block the card?

*126*43# , Pin code , option 1 then 5.

Spend limit? Spend limit?

• Online payment: 1M
• Push to card: 1M
• Pull from card: 500k per transaction with daily limits at 1M

Is it secure? Is it secure?

Yes, you would receive an OTP for each transaction (if applicable by merchant) + transaction notifications.

Notification of transactions? Notification of transactions?

Yes, via instant SMS. Last transactions can also be viewed through USSD *126*43# , Pin code , option 1 then 8.

Why is a transaction declined? Why is a transaction declined?

Insufficient funds, transaction limit reached, incorrect card details, or merchant platform issues.

Errors during a transaction? Errors during a transaction?

Reconfirm details and balance, retry, or contact Customer Care.

Reporting unauthorized transactions? Reporting unauthorized transactions?

Block the card immediately via USSD *126*43# , Pin code , option 1 then 5. and contact Customer Care.

Can I have multiple cards? Can I have multiple cards?

No, one active virtual card per individual.

Does the card expire? Does the card expire?

Yes, valid for one year.

Can I replace the card? Can I replace the card?

*126*43# , Pin code , option 1 then 7.

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