If you’ve ever tried to pay for AWS, Notion, Canva, or Meta ads from Nigeria or Ghana with a local card, you already know: it’s a struggle. Cards get declined. Platforms block payments. And finance teams end up juggling personal cards or black-market FX just to stay operational.

That’s why more businesses are switching to virtual USD cards.

How Miden Helps You Issue Virtual Cards at Scale

Miden gives African businesses the infrastructure to issue virtual USD and Naira corporate cards without the hassle of building from scratch.

With Miden, you can:

  • Create virtual cards instantly from your dashboard or via API
  • Set controls for how, where, and when each card is used
  • Track and manage team spending in real-time
  • Automate your reconciliation process.

Built for Finance Teams, Product Teams, and Fintech Builders

Whether you're a:

  • Startup scaling fast and paying for multiple tools
  • Finance team tired of chasing receipts or reimbursements
  • Fintech building your own card issuing experience on top of Miden’s APIs

Miden gives you the rails to issue secure, compliant virtual cards across Africa.

Get Started with Miden

You don’t need a bank license, months of engineering work, or a global operations team. With Miden, you can start issuing virtual cards in days.

👉See how Miden’s card platform workss

FAQs

Why businesses are switching to virtual cards

  • They work. Virtual USD cards are accepted on international platforms like Amazon Web Services, Notion, Canva, etc.
  • They're safer. No risk of physical card theft, and you can freeze or delete them anytime.
  • They help teams stay in control. Finance leads can set spending limits, issue cards to staff, and track expenses in real-time — no more waiting till month-end to see what’s been spent.

How Miden helps Businesses with Virtual Card Issuing API

At Miden, we make it easy for African businesses to issue virtual USD and Naira cards to employees or customers — no clunky setup or complicated approvals.

With our card issuing platform, you can:

  • Spin up new virtual cards for specific teams or tools
  • Set usage rules — like monthly limits, merchant restrictions, or one-time use
  • Monitor all card activity in real-time
  • Automate reconciliation, so you’re not chasing receipts or matching transactions manually

Who's this for?

Whether you’re a startup scaling quickly, an e-commerce brand running paid ads, or a fintech building card-based products — Miden gives you the infrastructure to issue cards at scale.

A Virtual Card API allows developers to programmatically create, manage, and issue virtual credit or debit cards, enabling secure and flexible payment solutions within their applications. 

What is a Virtual Card API?

A virtual card API is an Application Programming Interface (API) that lets developers integrate the functionality of creating and managing virtual cards into their applications. 

What Are Virtual USD Cards?

Virtual USD cards are digital-only payment cards issued in US dollars. They work just like regular cards — but you create them online, set your own rules, and use them immediately for global payments.

They’re especially useful for businesses in Africa that:

  • Run remote teams and pay for global SaaS tools
  • Spend on international ad platforms (Google, Facebook, LinkedIn)
  • Need better control over team or departmental expenses
  • Want to avoid the hassle of blocked local cards

Why Virtual Cards Work Better for Business Payments

Here’s what makes virtual cards more practical than using one company debit card for everything:

  • ✅ Global Acceptance: They’re more likely to work on platforms that reject Naira or local currency cards.
  • ✅ More Control: You can set custom spending limits, expiry dates, or even restrict usage by merchant.
  • ✅ Real-Time Tracking: Know who’s spending what — and where — as it happens.
  • ✅ Easy Reconciliation: Attach receipts, export reports, and simplify audits.

Functionality:

These APIs provide tools to generate, issue, and control virtual cards, enabling businesses to offer digital payment options to their customers. 

Benefits:

Flexibility: Allows for creating cards with specific spending limits, expiration dates, and merchant restrictions. 

Security: Enables the use of one-time or temporary card details, reducing the risk of fraud. 

Scalability: Facilitates the issuance of virtual cards at scale, whether for individual users or large organizations. 

Customization: Allows for integration with various payment systems and platforms. 

Examples of Virtual Card APIs and their Features:

Miden

Offers a virtual card API for developers and fintechs to issue and manage NGN and USD virtual cards. 

It provides a virtual card API for corporate credit card generation and expense management. Miden offers a flexible suite of virtual card APIs to create custom payment solutions.