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rayOn Virtual Cards FAQs



How many virtual cards can I create on rayOn?

rayOn allows you to create one virtual dollar cards with an issuance fee.


Why is my dollar card declined when I try to make a transaction?

Please confirm that your balance is sufficient enough for the transaction.


Also, please note that rayOn cards will no


t work on any bitcoin, binary option, trading, or money transfer websites, betting websites, and cryptocurrency websites, as rayOn cards are specifically designed for merchant payments.


If none of these applies send us an email at hi@flutterwavego.com








How do I create a rayOn card?



To create a card, follow these steps:

  • Click on Wallet on your home page

  • Click on cards on your wallet page

  • Click on 'New card'


Honestly, the rest of the process is simple and easy to follow through 😎 Note: an OTP code may be required to authenticate transactions on the virtual dollar card. The OTP code will be sent as a push notification on your rayOn app and email, not as an SMS/text message.







Where can I use my rayOn dollar card?


You can use your rayOn card on most merchant sites where the Mastercard logo is displayed.


The rayOn USD card can be used on most global payment sites like Uber, Netflix, Google Play, Apple Music, Asos, Udemy, Coursera, AliExpress, Namecheap, Facebook, PayPal, etc. for payments and purchases.


NB: rayOn cards will not work on any bitcoin, binary option, trading or money transfer websites, betting websites, and funding cryptocurrency websites as rayOn cards are specifically designed for merchant payments.


Why is my Naira card not accepted on certain sites?

The Naira card can only be used on sites that make use of Flutterwave as their payment processor like Uber, ArikAir, Airpeace etc.


If your Naira card is rejected, it means the card is being used on a site that is not a Flutterwave merchant site.


Why was my card deleted after using it on a website/platform?

You may have used your rayOn card on a prohibited website on barter. rayOn cards are not allowed on any Money transfer website, dating sites, betting sites, bitcoin, binary option, trading and cryptocurrency websites.


Why's my virtual card declined on Apple Music?

Please ensure that you have a dollar card created on your account, as that is the card to be used for such transactions.

To add your barter USD card to iTunes, kindly follow the steps below:

  1. Open your App Store.

  2. Click on the profile icon at the top right of the page.

  3. Click on your Apple ID.

  4. Click on Country/Region, and then click on Change Country or Region.

  5. Select the United States as your country and agree to the terms.

  6. After this add your card using the card details.

  7. Where billing address is required, use the following details

Street 1: 333 Fremont Street,

Street 2: San Francisco City

City: San Francisco

State: CA - California

Zip Code: 94105

Phone number: +1(857) 5745195


8. After this, click on Done.

9. Go to settings, click on Apple ID, then click on Payment & Shipping to confirm the card in your payment methods.


Why is my virtual card declined for my online ads such as Facebook ads?

Note that you are required to have a dollar card created on your account as that is the card to be used for such transactions. You also need to ensure you have sufficient funds on your card.


If it is none of the issues above, kindly send an email to hi@flutterwavego.com with a screenshot of the issue so we can resolve it.


Why do I get the error ''contact administrator" when I attempt a payment?

This means your account may have been flagged for a variety of reasons. Please send a mail to hi@flutterwavego.com with the following requirements, the masked PAN (first 6 and last 4 digits) of the last card used in funding your barter account, a picture of your valid means of ID and a selfie of you holding both cards.


Can I use my residential address as the billing address during card payment online? No! Please use the Billing address on the card information provided to ensure your card payment goes through successfully. Where billing address is required, use the following details:


Street 1: 333 Fremont Street,

Street 2:

City: San Francisco

State: California

Zip Code: 94105


Note: You could use your residential address as your shipping address to ensure goods/products are delivered to your exact location.

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