💳Virtual Cards
How do I create a virtual card?
Creating a virtual card is simple! After signing up and verifying your account, go to the "Cards" section in your dashboard. Click "Create New Card", choose between USD or EUR denomination, set your spending limits, and your virtual card will be generated instantly. You can start using it immediately for online purchases.
Tip: Virtual cards are perfect for online shopping, subscriptions, and international payments.
Where can I use my MoniCard virtual card?
Your MoniCard virtual card works anywhere that accepts Mastercard online. This includes popular services like:
How do I freeze or block my virtual card?
You can instantly freeze or unfreeze your virtual card anytime from the MoniCard app or website:
- Go to the "Cards" section in your dashboard
- Select the card you want to manage
- Toggle the "Freeze Card" switch
- Confirm your action
Note: Freezing your card temporarily blocks all transactions. Unfreeze it when you're ready to use it again. For permanent closure, contact our support team.
💸Funding & Wallet
What payment methods can I use to fund my wallet?
MoniCard supports multiple convenient funding options:
Which currencies does MoniCard support?
MoniCard supports three main currencies with competitive exchange rates:
Can I transfer money to other MoniCard users?
Yes! MoniCard makes peer-to-peer transfers easy and affordable:
Send money to any MoniCard user instantly with zero fees. The recipient gets the funds immediately in their wallet.
Transfer to bank accounts or mobile money with small processing fees (1-2%). These transfers typically take 1-24 hours.
✈️Travel Booking
How do I book flights and hotels with MoniCard?
Booking travel with MoniCard is seamless and integrated directly into our platform:
Go to "Travel" in your MoniCard dashboard
Enter your destination, dates, and preferences
Select your preferred option and pay with your wallet or virtual card
Receive booking confirmation and e-tickets immediately
What is the cancellation and refund policy for travel bookings?
Cancellation and refund policies vary depending on the airline, hotel, and fare type:
Basic economy fares and some hotel rates are typically non-refundable but may be changeable with fees.
Standard fares often allow cancellations with penalty fees (usually 10-50% of booking value).
Flexible fares and refundable hotel rates can be cancelled for full refunds, usually at a higher initial cost.
Always check the specific cancellation policy before confirming any booking. You can find this information in the booking details.
Where can I view my travel booking history?
All your travel bookings are conveniently stored in your MoniCard account:
Navigate to "Bookings" in your dashboard to see all past and upcoming trips.
You can filter by date, destination, or booking type to easily find specific reservations. All receipts and e-tickets are available for download.
🎁Gift Cards & Airtime
How do I purchase airtime or gift cards?
Purchasing airtime and gift cards is quick and straightforward:
- Go to "Airtime" in your dashboard
- Select country and mobile network
- Enter phone number and amount
- Confirm payment from your wallet
- Receive instant top-up confirmation
- Navigate to "Gift Cards" section
- Choose brand (Amazon, Apple, Steam, etc.)
- Select denomination and quantity
- Choose delivery method (email or wallet)
- Complete payment and receive code instantly
Which gift card brands and countries are supported?
MoniCard offers a wide range of popular gift card brands available globally:
These gift cards are available to users in all supported countries. Delivery is instant via email or directly to your MoniCard wallet.
Can I view my airtime and gift card purchase history?
Yes, all your digital purchase history is meticulously recorded and easily accessible:
Go to "Transaction History" in your dashboard to see all airtime and gift card purchases with detailed information including:
- Date and time of purchase
- Recipient phone number or email
- Amount and currency
- Transaction status
- Reference numbers
You can filter transactions by date range, type (airtime/gift cards), amount, or status to quickly find specific purchases.
🔒Security & Privacy
How does MoniCard protect my personal and financial data?
MoniCard employs multiple layers of security to ensure your data and funds are always protected:
All data is encrypted using AES-256 bit encryption, the same standard used by financial institutions worldwide.
We are fully compliant with Payment Card Industry Data Security Standards for secure card processing.
AI-powered systems monitor for suspicious activity 24/7 and can instantly freeze accounts if fraud is detected.
We never share your personal data with third parties without your explicit consent and comply with global privacy regulations.
What should I do if I suspect unauthorized account access?
If you suspect any unauthorized activity, take these immediate steps to secure your account:
- 1 Freeze all your virtual cards immediately from the app or website
- 2 Change your account password immediately
- 3 Enable two-factor authentication if not already active
- 4 Contact our 24/7 security team through the app or website
- 5 Review recent transactions and report any unauthorized activity
Our security team will investigate immediately and guide you through the recovery process. In most cases, we can restore account access and reverse unauthorized transactions within hours.
How can I enable two-factor authentication (2FA) for my account?
Enabling two-factor authentication adds an extra layer of security to your MoniCard account. Here's how to set it up:
Navigate to "Security" in your account settings
Toggle on "Two-Factor Authentication"
Select your preferred 2FA method:
Follow the on-screen instructions to complete the setup
We recommend using an authenticator app (like Google Authenticator or Authy) for the most secure 2FA experience, as it works even without mobile network coverage.
👤Account & Settings
How do I update my personal information and profile details?
Updating your personal information is straightforward and can be done in your account settings:
- Email address
- Phone number
- Password
- Notification preferences
- Legal name
- Date of birth
- Address information
- Identification documents
For security reasons, changes to your legal name or identification documents require additional verification. This process typically takes 1-2 business days.
How can I close or delete my MoniCard account?
We're sorry to see you go! If you need to close your account, follow these steps:
- Ensure your wallet balance is zero (withdraw or transfer any remaining funds)
- Cancel any active virtual cards
- Download any transaction history or documents you may need
- Resolve any pending transactions or disputes
- Go to "Account Settings" → "Security"
- Scroll to the bottom and click "Close Account"
- Follow the on-screen instructions and confirm your decision
- You may be asked to verify your identity for security purposes
- Receive confirmation email once account is closed
Account closure is permanent and cannot be undone. All your data will be permanently deleted from our systems in accordance with our data retention policies.
How can I increase my transaction and account limits?
MoniCard offers tiered account levels with increasing limits. Here's how to upgrade your account:
Basic verification • $500 daily limit • $2,000 monthly limit
Government ID required • $2,000 daily limit • $10,000 monthly limit
Additional documents • $10,000 daily limit • $50,000 monthly limit
Go to "Account Verification" in your settings and follow the steps to submit the required documents for the next tier. Verification typically takes 1-3 business days.