Ever spotted a killer deal on Amazon or Netflix but couldn’t pay because you don’t have a bank card? Uganda, we’ve discovered a fix, and that’s the MTN MoMo Virtual Card, sometimes referred to as the Virtual Card by MoMo. The MTN MoMo Virtual Card is a digital Mastercard tied to your MTN Mobile Money wallet. It lets you pay for stuff anywhere Mastercard is accepted.
Launched by MTN Uganda in partnership with Mastercard and Diamond Trust Bank, this card is built for folks like us who want to do online shopping but don’t have bank-issued debit/credit cards or simply don’t want to use them for security reasons.
What makes the MTN MoMo Virtual Card stand out is how simple it is to use. You don’t need a bank account or a physical credit card to enjoy international shopping experiences. All you need is your MoMo wallet, and you’re good to go.
In this article, I will take you through the steps on how to use the MTN MoMo Virtual Card for online shopping in Uganda. From setting up the card to making secure payments, I have got you covered. If you have been wondering how to shop online effortlessly with the MoMo Virtual Card, you are in the right place. Let’s get started!
What is the MTN MoMo Virtual Card [Virtual Card by MoMo]?
The MTN MoMo Virtual Card, also known as the Virtual Card by MoMo, is a digital payment card issued by MTN Uganda through its Mobile Money (MoMo) platform. It is designed to enable MoMo users to make secure online payments on international websites that accept Mastercard. Unlike a traditional debit or credit card, this virtual card exists only in digital form and is directly linked to your MTN MoMo wallet.
With this virtual card, you can easily shop on global e-commerce platforms, pay for streaming services, and access digital products without the need for a physical bank-issued debit/credit card. The card is generated instantly by dialing *165*70# and comes with unique details such as a card number, expiry date, and CVV code, just like a physical Mastercard.
One of the biggest advantages of the MTN MoMo Virtual Card is that it eliminates the complexities of traditional banking. Since it draws funds directly from your MoMo wallet, you don’t have to worry about separate card balances or extra banking fees. It also enhances security by reducing the risks associated with using personal bank cards for online transactions.
Generating the MTN MoMo Virtual Mastercard costs UGX 1,000/-. Using this card also attracts a fee of 3% on every transaction. However, unlike the Airtel Money Virtual Card, which is valid for 1 year, the MTN MoMo Virtual Mastercard is valid for only 30 days. This means after expiry, you will have to create a new card.
Whether you want to pay for an online subscription, book a service, or purchase items from global stores, the MTN MoMo Virtual Card provides a simple, secure, and hassle-free way to complete your transactions.
How to create the MTN MoMo Virtual Card in Uganda
Creating the MTN MoMo Virtual Card in Uganda is quick and easy. If you already have an MTN line that’s registered with MTN Mobile Money, you can get started with just a few steps. Here’s a guide to help you set up your Virtual Card by MoMo:
Method 1: Using USSD Code
- Dial the USSD Code: From your MTN line, dial 16570# to begin the process. This will bring up the MoMo menu on your phone screen.
- Select ‘Create Virtual Card’: Follow the prompts and select the option to create a virtual card. You will be asked to enter your PIN for security purposes.
- Pay the Creation Fee: You will be required to pay a virtual card generation fee of UGX 1,000/-. Confirm the payment with your MTN MoMo PIN.
- Receive Your Virtual Card Details: Once the payment is completed, you will receive your virtual card details via SMS. The details will include the card number, expiry date, and CVV code.
- Done!: Your MTN MoMo Virtual Card is now ready for use. You can start shopping online and paying for services immediately.
Method 2: Using MyMTN App
- Open the MyMTN App: Launch the MyMTN app on your phone. If you haven’t installed it, you can download it from the Google Play Store or Apple App Store.
- Log Into Your Account: Make sure you are logged in with your MTN number and that you have activated MTN Mobile Money.
- Navigate to the MoMo Section: Go to the MoMo section in the app and look for the “Virtual Card” option.
- Select ‘Create Virtual Card’: Follow the instructions to request the creation of a virtual card.
- Pay the Creation Fee: You will be required to pay a virtual card generation fee of UGX 1,000/-. Confirm the payment with your MTN MoMo PIN.
- Get Your Card Details: Once the creation fee is paid, the card will be generated. The app will display your virtual card details on-screen. You will also receive a confirmation SMS with all the information you need.
- Start Using Your Card: Your virtual card is now ready for use! You can now shop online and make payments directly from your MTN MoMo wallet.
One thing to keep in mind: This is not a permanent card. It expires after 30 days, unlike the Airtel Virtual Mastercard or Chippercash Virtual Card, which have longer validity periods of up to one year. If you wish to continue using the service, you’ll need to regenerate a new card each month.
How to Shop Online in Uganda with MTN MoMo Virtual Card – Step by Step Guide
Shopping online with your MTN MoMo Virtual Card is easy and convenient, especially for Ugandans who want to buy products and services from global e-commerce platforms. Here’s a simple step-by-step guide on how to use your virtual card to shop online.
Step 1: Get Your MTN MoMo Virtual Card Ready
Before you get started, ensure that your MTN MoMo Virtual Card is set up. If you haven’t created it yet, follow the steps to create your MTN MoMo Virtual Card using either the USSD code (16570#) or the MyMTN app.
Step 2: Choose the Online Store
Once your card is ready, decide where you want to shop. Whether it’s an international site like Amazon, a digital service like Netflix, or a subscription to an online course, your MTN MoMo Virtual Card will work as long as the site accepts Mastercard payments.
For example, if you’re shopping on Amazon, go to the site, select the items you want, and proceed to checkout. On service-based platforms like Netflix, just click “Start Membership” after selecting your plan.
Step 3: Choose Your Payment Method
From the checkout page, you will be redirected to the payment section. Choose the card option. Most sites will list “Credit or Debit Card” or simply “Card.” Select that and choose Mastercard from the dropdown or icons. Most sites support Mastercard since it’s one of the leading payment processors worldwide.
Note: We choose Mastercard because the MTN MoMo Virtual Card uses Mastercard technology to offer the service.
Step 4: Add Your Virtual Card Details
At checkout, you will be prompted to enter your payment information. Input the details of your MTN MoMo Virtual Card:
- Card Number: This is the 16-digit number you received when you created your card.
- Expiry Date: The month and year listed on the card.
- CVV Code: The 3-digit security code found on the back of your virtual card.
- Name on Card: Most sites don’t ask for a name on the card, but if prompted, be sure to input it as well.
Double-check these details to ensure they are accurate before proceeding.
Step 5: Confirm Your Payment
After entering your card details, you will be asked to confirm the payment. Some websites may require additional verification for security reasons. This could involve receiving a code on your phone or answering a security question. Simply follow the prompts provided by the site.
For example, if you’re purchasing an item from an international store, once you confirm, the payment will be processed using the funds in your MTN MoMo wallet.
Tip: To avoid transaction failure, ensure your card is still valid and that you have enough funds in your MoMo wallet. Remember, you will be charged a 3% fee on every transaction. So, if you’re buying something worth UGX 10,000, ensure that you have at least UGX 10,300 in your MoMo wallet.
Step 6: Wait for the Confirmation
Once your payment has been successfully processed, you will receive an email or notification confirming your order. This confirmation will include details of what you purchased, the amount paid, and the expected delivery time. On e-commerce sites like AliExpress, you will see an order confirmation, while on subscription-based services like Netflix or DStv, your account will be activated right away.
Step 7: Track Your Purchase
If you’re buying physical items, you can use the order tracking number provided by the online store to track your delivery. For digital services like subscriptions or online courses, simply access them directly from your account once the payment is complete.
That’s it! Using your MTN MoMo Virtual Card to shop online in Uganda is that simple. It’s not rocket science—just your MoMo wallet stepping up to the online world. Give it a try!
Tips to Safely and Securely Shop Online with MTN MoMo Virtual Card
Staying safe and keeping your money secure is critical when using the MTN MoMo Virtual Card tied to your MTN Mobile Money wallet for online shopping. Based on practical experience with this card and an understanding of online payment risks, here are tips to help you protect your transactions:
- Keep Your MoMo PIN Private
The five-digit PIN you use to create and manage your MTN MoMo Virtual Card is the key to your wallet. Never share it with anyone—not even a friend asking to borrow your phone. If someone gets it, they could generate a card and drain your funds. For instance, a scammer posing as MTN support might call asking for your PIN—hang up and report it. - Cancel the Card If Unsure
If you suspect someone has stolen your card details—like after using a shared computer—dial 16570#, go to Card Management, and choose the option to “Block Virtual Card.” This will stop the thief from making unauthorized purchases with your card; you can create a new one right after. - Set Up Extra Security Features
Many online platforms offer additional security options, such as two-factor authentication or one-time password (OTP) verification. Enabling these features can help protect your account from unauthorized transactions. Always take advantage of these extra layers of security when available. - Use Strong, Unique Passwords for Online Accounts
Make sure your online shopping accounts, including those linked to your MTN MoMo Virtual Card, have strong, unique passwords. A combination of uppercase and lowercase letters, numbers, and special characters is always better. Avoid using easy-to-guess passwords like your name or birthdate. - Save Your Card Details Securely
When you generate the card via 16570# or the MyMTN App, you get a 16-digit number, CVV, and expiry date via SMS. Never share this card information with anyone, and only enter it on secure and trusted websites/apps. Don’t leave this info floating around in your messages or on a public computer. Write it down on paper and keep it safely at home, or store it in a password-protected note on your phone. Losing these details could let someone else use your card—like if your phone is stolen and unlocked. - Stick to Trusted Devices
Use your own phone or laptop for shopping, not a friend’s or a cyber café’s machine. Someone else’s device might have spyware logging your card info. - Avoid Public Wi-Fi When Making Payments
While it’s convenient to shop online from anywhere, public Wi-Fi networks, like those in cafés or airports, can be risky. These networks are less secure and can expose your data to hackers. If you must shop while out and about, use a trusted private network or a VPN (Virtual Private Network) for extra security. The safest way is to use your mobile data when entering your card details on sites like Amazon. - Keep Your Phone Secure
Since your MoMo Virtual Card is linked to your phone, it’s crucial to secure your device. Use a screen lock, such as a PIN or fingerprint scan, to prevent unauthorized access to your phone. If your phone is lost or stolen, report it to MTN right away to protect your account. - Only Shop on Trusted Websites
Only shop on legitimate sites that show “https://” in the URL and a padlock symbol in the browser. The padlock symbol indicates the site is safe and the connection is secure. Fake sites can steal your card info. For example, if you’re on Jumia, make sure it’s “https://www.jumia.ug” and not some sketchy knockoff like “jumia-deals.com.” Stick to well-known platforms, like Jumia, Amazon, or local platforms that you trust. If you’re unsure about a website, it’s better to avoid it. - Double-Check Payment Amounts
Before hitting “Pay,” confirm the total matches what you expect. Some sites might sneak in extra charges. Once, on an international store, I almost paid UGX 150,000 instead of UGX 100,000 because of a hidden fee—I caught it just in time. - Monitor Your MoMo Wallet Balance
Before and after shopping, dial *165# to see how much cash you have. The card pulls funds directly from your wallet, plus a 3% fee per transaction—so a UGX 10,000 purchase takes UGX 10,300. If you spot a drop you didn’t expect, like after buying from AliExpress, call MTN at 100 to check for unauthorized use. - Top Up Only What You Need
Don’t keep a huge amount in your MoMo wallet all the time. Load just enough for your purchase—like UGX 20,300 for a UGX 20,000 Netflix plan—to limit what’s at risk if something goes wrong. You can add more later via an agent or bank transfer when you’re ready to shop again. - Regenerate Your Card If Necessary
The MTN MoMo Virtual Card has a 30-day expiration period, and if you need to continue using the service, you will need to create a new card. - Understand the Fees and Charges
Before making a purchase, be aware of any transaction fees associated with your MTN MoMo Virtual Card. The MoMo card has a 3% charge per transaction. Always factor this into your total cost so that you’re not surprised by extra fees when checking out. - Regularly Check Your Transaction History
It’s a good habit to regularly review your MoMo transaction history. Check for any unfamiliar charges, and if you notice something suspicious, contact MTN customer support immediately. The sooner you spot a problem, the quicker it can be resolved.
Frequently Asked Questions About Shopping Online in Uganda with MTN MoMo Virtual Card
Shopping online in Uganda can feel like a whole new world, especially when you’re using something like the MTN MoMo Virtual Card. I’ve been testing this amazing tool for the past few weeks, and it has worked great for me on platforms like Jumia and DSTV. When I first published a post about the MTN MoMo card on this blog, my inbox was bombarded with all sorts of questions from friends and readers about how it works. So, I’ve decided to compile a list of FAQs that cover everything you might wonder about when using the MTN MoMo Virtual Card for online shopping in Uganda. If you’re searching for “MTN MoMo Virtual Card Uganda FAQs” or “how to shop online with MTN MoMo,” you’re in the right place—let’s jump in!
What is MTN MoMo Virtual Card (Virtual Card by MoMo)?
The MTN MoMo Virtual Card is a digital prepaid Mastercard that allows you to make online payments for goods and services, using the funds in your MTN MoMo wallet. It provides an easy and secure way for Ugandans to shop globally without needing a physical card.
How Do I Get my MTN MoMo Virtual Card?
You can get your MTN MoMo Virtual Card by dialing 16570# on your MTN line or by using the MyMTN app. After paying the UGX 1,000 fee, you’ll receive the card details via SMS or in the app.
How can I use the MTN MoMo Virtual Card?
Once you have your MTN MoMo Virtual Card, use it like any other Mastercard for online shopping. Just enter the card number, expiry date, and CVV during checkout on supported online platforms.
How Secure is the MTN MoMo Virtual Card on My MoMo Wallet?
The MTN MoMo Virtual Card is secure since it uses the same encryption and security measures as regular bank-issued cards. Additionally, it’s linked to your MoMo wallet, which requires PIN verification for transactions.
How Do I Add Money to My MTN MoMo Virtual Card?
The MTN MoMo Virtual Card is funded directly from your MTN MoMo wallet. There’s no need to load funds onto the card separately. Just ensure you have enough funds in your wallet for your purchases.
What are the MTN MoMo Virtual Card charges when shopping online?
Every transaction with your MTN MoMo Virtual Card attracts a 3% fee. For example, if you’re making a payment of UGX 10,000, you’ll be charged an additional UGX 300.
Which platforms can I shop on with the MTN MoMo Virtual Card?
You can shop or use the MTN MoMo Virtual Card on any platform that accepts Mastercard. Most platforms accept Mastercard payments. Some of the platforms where you can use your MTN MoMo card include
- Amazon
- eBay
- AliExpress
- Netflix
- Spotify
- Etsy
- App Store
- Google Play Store
- International flight bookings
- Online educational courses
- PayPal
What are the facts about virtual cards like the MTN MoMo Virtual Card?
Virtual cards, like the MTN MoMo Virtual Card, are a convenient and secure way to make online payments without the need for a physical card. Here are some key facts about virtual cards, particularly the MTN MoMo Virtual Card:
- They’re digital, so there’s no need for a physical card.
- They are prepaid and function similarly to debit cards.
- They can only be used for online payments, making them ideal for e-commerce.
- They have an expiry date—usually 30 days or a set one-time use.
- They provide secure transactions, eliminating the need to share your MoMo wallet details.
What are the advantages of using MTN MoMo virtual card for online shopping?
The MTN MoMo Virtual Card offers a range of advantages that make it an ideal choice for online shopping, especially for those in Uganda. Here are some key advantages of using the MTN MoMo Virtual Card for online shopping:
- Secure and quick online payments
- No need for a physical card
- Convenient for international purchases
- Linked directly to your MoMo wallet, eliminating the need for bank accounts
- Easy to create and manage
- Lower transaction fees compared to some bank cards
What are the common issues with MTN MoMo virtual card while shopping online and how can I troubleshoot them?
Common issues include insufficient funds, incorrect card details, or the card being expired. Double-check your balance and card info. If the card has expired, create a new one. Contact MTN customer service for assistance.
What are the alternative payment methods for online shopping in Uganda?
There are several alternative payment methods available. Here’s a list of popular alternatives to the MTN MoMo Virtual Card:
- Airtel Money Virtual Mastercard
- ChipperCash
- PayPal
- Eversend
- Visa Debit Cards
- Bank Transfers
- Mobile Money Payments (via PesaPal, Flutterwave, etc.)
Why shop online with the MTN MoMo Virtual Card?
The MTN MoMo Virtual Card offers a seamless and secure way to shop online, especially for Ugandans who are looking for a simple solution to make digital payments. Here are some reasons why it’s an excellent choice for online shopping:
- Quick and easy setup
- Secure payments with no need for a physical card
- Use your MoMo wallet funds directly
- Access international e-commerce platforms
- Affordable transaction fees
- Ideal for Ugandans without bank accounts
What are the requirements to get MTN MoMo Virtual Card?
Before you start shopping online with the MTN MoMo Virtual Card, there are a few simple requirements you will need to meet. Here is what you need:
- An active MTN line
- A registered MTN Mobile Money account
- Access to the USSD code (*165*70#) or the MyMTN app
- UGX 1,000 for the card creation fee
Can I use the MTN MoMo Virtual Card for local transactions in Uganda?
The MTN MoMo Virtual Card is primarily designed for international online transactions. However, it can be used for local transactions if the merchant supports Mastercard payments through payment processors like PesaPal or Flutterwave.
How long is the MTN MoMo Virtual Card valid?
The card is valid for 30 days from the date of creation. You must create a new card every month if you wish to continue using the service.
Can I set up recurring payments with the MTN MoMo Virtual Card?
No, the MTN MoMo Virtual Card cannot be used for recurring payments, as it expires after 30 days. You would need to create a new card each month for recurring payments.
Is there a limit to how much I can spend using the MTN MoMo Virtual Card?
The spending limit depends on the balance in your MTN MoMo wallet. Ensure you have sufficient funds for your purchases.
What is the minimum amount I can spend using the MTN MoMo Virtual Card?
There is no specific minimum amount, but your MoMo wallet balance must cover the total cost of your transaction, plus any associated fees.
Can I withdraw cash using my MTN MoMo Virtual Card?
No, the MTN MoMo Virtual Card can only be used for online purchases. It cannot be used to withdraw cash from ATMs.
Can I use the MTN MoMo Virtual Card for subscription services?
Yes, you can use it for subscription services like Netflix, Spotify, or other digital services that accept Mastercard payments.
Is the MTN MoMo Virtual Card accepted internationally?
Yes, the MTN MoMo Virtual Card can be used on any international e-commerce platform that accepts Mastercard payments.
Can I buy physical products using the MTN MoMo Virtual Card?
Yes, you can purchase physical products from international e-commerce stores that accept Mastercard. Make sure to track your order for delivery.
How do I check my MTN MoMo Virtual Card balance?
You can check your card balance by accessing your MTN MoMo wallet and reviewing your available funds. Your virtual card balance will be the same as your MoMo wallet balance.
How do I know if a website accepts the MTN MoMo Virtual Card?
Most e-commerce platforms will display Mastercard as a payment option at checkout. If the site accepts Mastercard, your MTN MoMo Virtual Card will work.
Can I cancel an online transaction made with the MTN MoMo Virtual Card?
Once a transaction is completed, it cannot be cancelled. However, you can contact the merchant directly for returns or refunds.
Are there any hidden charges when using the MTN MoMo Virtual Card?
The only charge you need to be aware of is the 3% fee applied to each transaction. Always check your MoMo wallet balance to ensure you have enough to cover both the purchase amount and the transaction fee.
Can I use the MTN MoMo Virtual Card for in-store payments?
No, the MTN MoMo Virtual Card is only for online payments and cannot be used for in-store purchases.
Can I link the MTN MoMo Virtual Card to my PayPal account?
Yes, you can link your MTN MoMo Virtual Card to PayPal as it supports Mastercard, making it possible to use the card for PayPal transactions.
What happens when the MTN MoMo Virtual Card expires?
Once the card expires after 30 days, you will need to create a new card to continue making online payments. Ensure you regularly create a new card if you plan to shop online frequently.
Conclusion
To wrap it up, the MoMo Virtual Card makes online shopping in Uganda more accessible and hassle-free. It’s a simple way to pay for anything from local platforms like Jumia to international sites such as Amazon—without needing a physical bank card. Plus, with the card linked directly to your MoMo wallet, you’re just a few steps away from completing your purchase. As long as you keep your details secure and shop on trusted sites, you can enjoy the convenience of online shopping with ease. If you’ve been looking for an easy and reliable way to shop online, the MoMo Virtual Card is definitely worth a try. So, what’s next? Grab your MTN phone, dial *165*70#, and set up your card today and start shopping smarter! Happy shopping, and stay safe out there!
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