Pay globally from Cameroon. Fund with MTN/Orange or voucher. Virtual USD/EUR cards.

Top up your wallet by sending to MoniCard's MTN MoMo or Orange Money account (with a reference), or redeem an offline voucher. Load a virtual card, book travel, buy airtime & gift cards — with transparent FX, 3D Secure, and instant reversals.

Get the app Fees & limits

PCI DSS SAQA EMV 3D Secure 2.x Data encrypted at rest Issued via [[Licensed PSP Partner]] Cameroon compliance

« Conçu pour le Cameroun. Paiement en ligne sécurisé. »

What you can do with MoniCard

Focused, fast, and compliant

💳 Virtual USD/EUR cards

Fund in XAF, load in USD/EUR, pay anywhere online with 3D Secure and spending controls.

• Freeze/unfreeze
• Instant balance
• Instant refunds on reversals

🏦 Funding that just works

Send to our MTN/Orange account with a reference, redeem a voucher, or use STK where available.

• User push MTN/Orange
• Offline voucher via agents
• Proof upload & reconciliation

✈️ Travel booking

Search, book, and get e-tickets or hotel vouchers. Pay with your wallet or MoniCard card.

• Flights & hotels (MVP)
• Transparent total in XAF
• Tickets in app + email

🎁 Airtime & Gift Cards

Top up MTN/Orange numbers instantly. Buy popular gift cards with immediate delivery.

• Airtime ≥ 500 XAF
• Gift codes in seconds
• Region & brand checks

Your Financial Freedom, in the Palm of Your Hand

Unlock the full power of MoniCard with our mobile app. Generate secure virtual cards in seconds, fund them instantly with your preferred local method, and master your global spending. Enjoy real-time alerts, one-tap security controls, and personalized limits—empowering you to shop, subscribe, and manage your money securely from anywhere in Cameroon.

Transparent FX — No Surprises

See exactly what you pay, what we charge, and what you receive. Complete transparency in every transaction.

English

You pay

10,000 XAF

Fee 100 XAF

Exchange Rate 1.5% included

1 USD = 655.50 XAF

You receive

$15.27

Rate lock holds for 3 minutes. We'll ask you to reconfirm if rates change.

Français

Vous payez

10 000 XAF

Frais 100 XAF

Taux de change 1,5 % inclus

1 USD = 655,50 XAF

Vous recevez

15,27 $

Verrouillage 3 min. Confirmation requise après expiration.

All rates are updated in real-time. No hidden fees, ever.

Built for Safety & Compliance

Your trust is our product. We implement the highest security standards to protect your financial data.

Cardholder Data Protection

PCI DSS SAQA Certified (Tokenized PAN)
3D Secure 2.x Authentication
Comprehensive Audit Logs

Data Protection

End-to-End Encryption (At Rest & In Transit)
Granular Rights & Access Management
Fully Aligned with Cameroon Data Laws

Program Transparency

Issuer: Licensed PSP Partner
License: BEAC Regulatory Compliance
Public Status & security.txt

Replace placeholders with your actual issuer/PSP and license details before launch.

Trusted by thousands of users across Cameroon

PCI DSS Compliant

Bank-Level Encryption

Regulatory Approved

How Funding Works in Cameroon

Choose your preferred method to fund your MoniCard wallet instantly

Send to MoniCard

Enter amount → we show our account + Reference

Send from MTN MoMo/Orange Money app/USSD with that Reference

We automatch and credit your wallet instantly

Use the exact Reference / Utilisez exactement la Référence

Instant confirmation • Auto-matching • Proof upload available

Voucher (Offline Cash)

Pay cash to a MoniCard agent → get a one-time code

In the app: Redeem Voucher → enter code

Wallet credited instantly (Lite KYC required)

Keep your voucher secret / Gardez votre code secret

Offline option • Instant credit • Agent network available

STK Push (Optional)

Where available, we trigger a telco prompt. Same instant wallet credit after success.

Direct telco integration

No manual reference needed

Instant confirmation

Available in select regions • Check app for availability

All Methods Lead to Instant Funding

Whether you prefer mobile money, cash vouchers, or direct STK push, your MoniCard wallet gets funded instantly with complete security.

MoniCard Funding Methods - MTN Mobile Money, Orange Money, and Voucher payments

Transparent Fees & Limits

Clear, upfront pricing with no hidden costs. Full details available on our dedicated Fees page.

Funding Methods

MTN

Mobile Money

1.5%

Orange Money

1.5%

Voucher

2.0%

STK Push

1.0%

Card Load (XAF → USD/EUR)

FX Markup 150 bps

Competitive exchange rates with transparent markup

Rate Lock

3 minutes

Guaranteed rates while you confirm

Reversals

Instant Credit

Funds returned to wallet immediately

Real-time rate updates • No hidden charges

Service Fees

Travel Service

2.5%

Airtime Top-up

50 XAF

Gift Cards

3.0%

Complete Fee Details

For full caps, detailed examples, and BEAC-aligned disclosures, visit our comprehensive Fees page.

View Complete Fee Schedule →

No Surprises, Just Transparency

We believe in complete fee transparency. All charges are clearly displayed before you confirm any transaction.

View Detailed Fees Fee Calculator

From Top-Up to Checkout — The Seamless Path

Three simple steps to unlock global payments with your MoniCard virtual card

Top Up Your Wallet

Send to MoniCard with Reference or redeem a voucher

Instant receipt confirmation

Multiple funding options available

Instant processing • Auto-matching • Proof upload available

Load Your Virtual Card

Choose amount and see real-time FX rates

3-minute rate lock for confirmation

Card balance updates instantly

Real-time rates • Transparent fees • Instant balance update

Pay Online Securely

3D Secure verification for your safety

Clear decline reasons with solutions

Global acceptance with enhanced security

Bank-level security • Global acceptance • Instant support

The Complete MoniCard Experience

Fund

Load

Pay

Ready to experience seamless global payments?

Get Started Today

MoniCard — Pay globally from Cameroon with MTN/Orange funding

Frequently Asked Questions

Find answers to common questions about MoniCard, our services, and how to get the most out of your account.

MoniCard FAQ - Digital finance solutions

What is MoniCard?

MoniCard is Cameroon's first digital finance app that lets you fund via MTN/Orange or voucher and access services like virtual cards, airtime, gift cards, and travel bookings.

How do I create a virtual card?

Go to your Dashboard → Virtual Card → Create New. Choose USD or EUR, set limits, and fund instantly with your preferred payment method.

Is my account secure?

Yes. We use OTP email verification, 3DS for card transactions, and industry-standard encryption to ensure your data and transactions are protected.

Can I book flights and hotels with MoniCard?

Yes. MoniCard lets you book flights and hotels directly in-app, with instant confirmation and competitive pricing.

Who issues the card?

Cards are issued via our licensed PSP partner under appropriate regulatory oversight. We operate the app and user experience.

How do I fund my wallet?

Send to our MTN/Orange account using the exact reference, redeem a one-time voucher from an agent, or use STK where available.

Why was my payment declined?

We show a clear reason (insufficient funds, 3DS, limits, merchant policy, etc.) with a one-tap fix like 'Top up' or 'Retry'.

How fast are refunds?

When a merchant reverses a card charge, we credit your wallet instantly after the reversal event is received.

Admin

Dec 12, 2023

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MoniCard — Pay globally from Cameroon with MTN/Orange funding