Choosing the Right Timon Card for You

Timon offers a basket of cards, USD and NGN, virtual and physical, to support your wide range of online and in-person spending needs. Whether you’re paying locally, shopping on US-based websites, or traveling, we’ve got you covered.

And here’s a tip:
If one card doesn’t work on a platform, don’t panic, try another one from your Timon card basket! Each card type is built for specific use cases.

1. USD Physical Card (Local Address – VISA)

Best for: In-person payments, travel, or POS use.

Why Choose It:

• A VISA physical card you can swipe at stores or withdraw cash.

• Works on most websites that accept local billing addresses.

• Great for travel and everyday spending.

Heads Up:

• Won’t work on platforms that require a US billing address.

2. USD Virtual Card (Local Address – VISA)

Best for: Online shopping on Nigerian and most global sites.

Why Choose It:

• Instantly issued, secure virtual VISA card.

• Accepted by most websites that don’t require a US address.

• Budget-friendly option for regular online buyers.

Heads Up:

• Won’t work on platforms that require a US billing address.

3. USD Virtual Card (US Address – Mastercard)

Best for: Platforms requiring a US billing address.

Why Choose It:

• A virtual Mastercard that unlocks US-exclusive websites and services.

• Ideal for freelancers, business owners, and remote workers.

• It also works on platforms that may reject prepaid cards; in such cases, this Mastercard is your go-to.

Heads Up:

• May not work for websites requiring local billing details.

4. NGN Virtual Card

Best for: Nigerian payments in Naira, no conversions!

Why Choose It:

• Spend in Naira, no FX conversion.

• Ideal for local apps, subscriptions, and Nigerian online stores.

• Instant, virtual, and easy to use.

Heads Up:

• Not designed for international or USD transactions.

Why You Should Mix & Match

Every platform is different. Some accept Nigerian cards, some require US billing, and others may prefer Mastercard or VISA.

That’s why we’ve built a basket of cards each optimized for different needs:

• Local or international

• USD or NGN

• Virtual or physical

• VISA or Mastercard OR Verve

? If one card doesn’t work, try another.
You don’t need to be stuck, just switch cards and keep going.

? Need Help Choosing?

If you’re not sure what card to use:

• Consider where you’re shopping (Local vs. US)

• Check if you need a physical card or not

• Think about your preferred spending currency

• And remember: you can own more than one Timon card

Happy spending with Timon!
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