Ufitpay
Ufitpay is a fintech wallet issued on Mastercard, rated 6.4/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Ufitpay is the strongest fit for general use, and asks for ID + proof at signup — we carry it at medium risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Ufitpay · Fintech Wallet |
| Official site | https://ufitpay.com |
| Best for | General use |
| Network | Mastercard |
| Rating | 6.4/10 (3.0★, 811 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | $1.6 per card (USD card); NGN 2,000 (Naira card) |
| Monthly / annual fee | 0 (USD card free; Naira card NGN 500 / $0.5 per month) |
| Top-up (deposit) fee | $1.5 per funding (USD card); NGN 150 (Naira card) |
| FX / conversion fee | 1.5% per transaction (min $1, cap $10) |
| Declined transaction fee | 0 (intl USD txn free; Naira $0.3 international) |
Verification and risk
| KYC required | Yes |
| Risk level | Medium |
| AVS check | No |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes |
| Cards per account | Multiple |
Billing
| Billing country | Nigeria / Ghana / Kenya / South Africa + |
How it performed in our tests
We logged 213 cleared charges out of 293 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Issuing country
Other Mastercard virtual cards
Frequently asked
What does Ufitpay cost to run?
The cost lines stack like this: issuing it costs $1.6 per card (USD card); NGN 2,000 (Naira card); the recurring charge is 0 (USD card free; Naira card NGN 500 / $0.5 per month); top-ups cost $1.5 per funding (USD card); NGN 150 (Naira card); conversion is priced at 1.5% per transaction (min $1, cap $10). Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Ufitpay?
Ufitpay asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes
How can I fund Ufitpay?
You can fund it with bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Ufitpay need?
Setting it up: cards are issued against Nigeria / Ghana / Kenya / South Africa +; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
How many cards can I open with Ufitpay?
Ufitpay allows more than one number per account rather than a fixed count, and the issuer's own wording is: Multiple. Multiple numbers under one account is the practical pattern here, so a single merchant block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.