If you’ve ever tried to get a bank card in Cameroon, you know how stressful it is. The paperwork alone can drain your patience.
And when you finally get one, the monthly charges will make you question why you even bothered.
Topping it up isn’t easy either. Sometimes the banking apps don’t work, sometimes the networks fail, and sometimes you just have to visit the branch—again.
That’s where virtual payment cards come in.
No monthly charges, no long queues, and no bank drama.
Just create your card online, top up, and you’re good to go.
I’ve personally tested six of these virtual payment platforms in Cameroon — Paysika, Neero, Eversend, Swychr, Noupia, and Fyatu.
After using them for real payments and subscriptions, I’ve realized that only two truly deserve your attention: Paysika and Neero.
Let’s break them down honestly.
Let’s start with Paysika. It’s a web and mobile platform that gives you a virtual Visa card you can use for things like ChatGPT, Netflix, Facebook ads, or any international subscription.
When I first started using it, I was honestly impressed.
The fees were super cheap compared to others.
I could create a card fast, top up easily, and start paying online almost instantly.
But then, reality hit.
Every Sunday, the platform goes offline. You can’t deposit. You can’t top up your card. You just get a message saying the service is “unavailable.”
That might not sound like a big deal until you need to buy something urgent on a Sunday—then it’s painful.
The system only comes back online by Monday around noon.
So if you’re someone who likes doing things last minute or runs ads that need instant payments, Paysika can frustrate you.
Still, for the price, it’s hard to complain. Their transaction charges are way lower than Neero’s, and their registration is simple.
You just verify your ID, create a wallet, and you’re good to go.
The only part that annoys me is their cashback system. They advertise it, but I’ve never been able to withdraw a single franc from it. It feels like a promise that hasn’t really been fulfilled.
And the support team—good, but slow. You message them, and you might wait two to three hours before they reply.
They do solve your issue eventually, but not when you’re in a hurry.
In short:
✅ Cheap and simple to use
✅ Works well for most payments
❌ Offline on Sundays (no top-ups)
❌ Slow support response
❌ Cashback feels more like marketing than reality
Now let’s talk about Neero.
Neero feels more professional. Their customer support is way more personal.
You can actually chat with them on WhatsApp, and they’ll assign a dedicated person to your issue.
When I had a small deposit issue, someone from their team followed up with me until it was fixed. That alone made me trust them.
But here’s the trade-off—they’re expensive.
Their card top-up and transaction fees are higher than Paysika’s. Sometimes it feels like you’re paying for peace of mind.
But you know what? I’m fine with that, because Neero rarely goes offline. Even on Sundays, you can usually top up and make payments.
And their cashback system actually works. I’ve personally withdrawn over 3,000 FCFA from it. That might not sound huge, but it’s real money—unlike Paysika’s mysterious cashback.
Neero’s interface also feels cleaner and faster. You can see your card details easily, track payments, and even get notified instantly when your transaction succeeds.
The only downside apart from the cost is that sometimes top-ups delay for a few minutes before reflecting. But it’s not often, and it’s not system-wide like Paysika’s Sunday blackout.
In short:
✅ Reliable (even on weekends)
✅ Great customer support (WhatsApp + personal)
✅ Real cashback you can withdraw
❌ More expensive than Paysika
❌ Sometimes slight delays in top-ups
Now, about the other four platforms I tried: Eversend, Swychr, Noupia, and Fyatu.
Let’s be real—none of them are terrible, but none are truly special either.
Eversend feels like it’s built for other countries first. It works, but not always smoothly in Cameroon. Some payments fail randomly, and their support can be slow.
Swychr has a nice app design, but card creation and top-ups don’t always go through instantly. I had two failed deposits in one week.
Noupia looks promising, but I found their limits too low. You can’t make bigger payments unless you go through extra verification steps that take forever.
Fyatu works okay, but their fees quietly add up. You end up paying almost the same as Neero, without Neero’s personal support.
All four could improve, but for now, they’re not platforms I’d rely on daily.
If you’re serious about online payments in Cameroon, don’t waste time testing every platform like I did.
Here’s the short answer:
Use Paysika if you want cheap fees and don’t mind waiting till Monday to top up sometimes.
Use Neero if you want reliability, real cashback, and fast support, and you’re fine paying a bit more.
That’s the balance.
Personally, I use both. When Paysika goes offline on Sundays, I switch to Neero. During the week, I stick to Paysika to save some fees.
Both have their pros and cons, but together, they cover each other’s weaknesses.
I’m a WordPress web designer and developer in Cameroon, working remotely with clients locally and internationally. If you need a website that actually works for your business, or even just a question, don’t hesitate to reach out. I’m here to help.