₦airaland Forum

PCAID:
Ṣeé wetin G boys dey cost us

I just read the article, it's insane. Even here on this AE thread, people have mentioned how they effected refund and still kept the item instead when duly supposed to return it.

I think Union54 was Barter's partner for their cards.

I'm still searching for an option to use. I've found Grey & Bitnob (*I no ready to open another CEX account)

C2929:
Please i need help, I tried using my virtual cards for aliexpress but every card keeps giving me this error, and i have appealed but it ends with them telling me that my card can no longer be used and i have use a new one which will end the same way. Used Gotok and pyypl cards

In as much as Gotok are shutting down soon. I just used my card & remaining balance to buy an item this morning and it went fine.

lexrichy:
gotok was the best dollar card solution

This Nigeria is just designed for suffering. Like, everything was okay some 2 days ago.... now, just like that, POOF! gone!

Omo, abeg who knows any other virtual card services that allow topup/funding with crypto? All I know is: all the major CEXes have cards, but our yeye region is never supported. Any other options?

Omo... Gotok is going. Na wa oo

Macmilla:
Abeg, who has received refund on a virtual card before? How long does it take to reflect on the card?
I am expecting a refund on a deactivated klasha card. The refund has been completed by AliExpress almost a week now. I have contacted Klasha customer service to do the needful and they are saying they have not received the refund and that I should wait 30days. Is there anything else I should do or I should just wait? 30 days is too long, abeg. Who has experience with similar situation?

The headache area is you deactivated the card. For refunds, I've received any/all refunds I've ever done. Used to take something of like 7 days or more

P.S: It's not a Klasha card I use. So I can't fully say how they operate regarding refunds. But from AliExpress' end, they truly send your refunds and notify you sef

Seatreasure2:
I mean at Los distribution center Lagos

Just wait. It's still in the process. The email you should check to see is one that says something like: "we are pleased to *******. Your parcel is ready for pickup at our office [*****]" .... this or home delivery (you'll receive a call in this case)

Seatreasure2:
Good day please my package has been with speedaf since two weeks ago at Los it Lagos I call them already but no update yet please any help from here what should I do

What is your location? Did you receive an email that your package is ready for pickup? Because Speedaf will 100% notify you via email

eteebanky1:
Tinubu should quickly implement unified exchange rate

I can't wait to start using my nairaland MasterCard back, I don't care if CBN devalue Naira, but I should be less than #600 .

If unified somehow, and Banks are not ready to sell USD to regular people like you & me, the demand will still shift back to the open/black market... and consequently, the black market rate will increase massively.

Me I just know say, if e reach ₦900 per USD again, I go sell a reasonable handful of USD.

mosho2good:
What the best dollar application to fund and use on AliExpress

Gotok (fund via BinancePay). Essentially meaning, the USDT you buy at Binance p2p first is sold/bought at fair black market rates compared to a lot of fintech apps out there.

For comparison even still within the same Gotok, the difference between funding via Bank Transfer & via BinancePay is huge (in rates)

jetoraphy:
All this Gotok user didn't inform us that there is a processing fee while topping your card using Binance.

I was on the process of topping my card, when I saw this.

There is a 1% fee and ALWAYS has been. DYOR & check things yourself

Sonrexx:
Belgium

If the app is not available for you on PlayStore, change the region/location of your account in PlayStore to US and use a VPN.

If you manage to download and install the app, you can use it anywhere to spend. The funding source in this case will have to always be by crypto (Binance Pay or Solana wallet direct)... You may not be able to withdraw to bank

SUPERPACK:
I am hearing some bad reviews about nipost. I want to order with free shipping and I heard Speedaf is the best for now. How do I make sure Speedaf does the delivery, their address is far away from mine. So any way to choose speedaf instead of nipost or is it done randomly. Someone epp me abeg

In my own opinion, Nipost are not as bad as most people say. Some of the hate they receive is in many cases, unwarranted. For Nipost here in a state in SS, their office is in a central part of the town — though old and without digital technology. You wouldn't get periodical notifications/emails after your item lands 9ja. The best guide is then the deadline for delivery of which AliExpress states up to 60 - 75 days most times. Thus, you'll watch that timer and before it goes down fully to 1 day, you should have received a call for your item within the timeframe.

Now, off to Speedaf, they're good... like really good. There is no way on AliExpress to explicitly choose Speedaf, but your best bet is to at least buy an item with Shipping fee attached (eg. AliExpress Standard Shipping). So, the item you really want/need has free shipping, you can order another item (maybe small) with AliExpress Standard Shipping at the same item.... Most likely, after it gets to 9ja and for delivery, they'll parcel them together and deliver to you

Ifeanyi4491:
Please who has ordered shoe here on AliExpress, I want to know if they uses speedaf or Nipost to ship this item to Nigeria..

Ordered. Came in like last week through Speedaf to my house. But then, all my packages come through Speedaf on a normal... so might be different for most other people.

Mcslize:
Hello importers & exporters, I am in need of a reliable shipping company with workers in China that can help me order for this desktop monitor and ship it to me here in Nigeria.

Which shipping company can I use? And how much to get it to me? Factor in both the purchase & shipping amount and give me the total amount.

Here is the link:

https://m.aliexpress.com/item/1005004913480898.html?spm=a2g0n.productlist.0.0.f1effbb2tnGapB&browser_id=8da410134d6d4f4b8c3d0388404cddab&aff_trace_key=8f63445f32074f078611bc2c4a2b1b14-1681578507086-08949-nAeYz7Y&aff_platform=msite&m_page_id=nnahjmcndecacxsn18785eef11751cae75d1fbab81&gclid=&pdp_npi=3%40dis%21NGN%21131226.43%2191860.35%21%21%21%21%21%40211bf49716815792738264894d0754%2112000030998635656%21sea%21NG%21187117691&algo_pvid=25341262-f3e9-48c7-ac6d-5b7bef423eb1

I can't help with your enquiry. But I just looked and there's only one shipping method....

Anyway, this doesn't look like a good deal to me, because by the time you add the shipping fee to the item's price shown, you end up at $500 ... if you're in Nigeria, that's about ₦366k+ (factor in different rates). For much less, you can get better gaming monitors on Jumia. If you're not in Nigeria and your shipping fee is considerably less, then the price may be worth it

icon91:
Don't misinform people

Funding rate is #763.20/$

Withdrawal rate is #680/$

See robbery nau.

Olamak1:
"Bad Gang really!" With this development, I can only see red light: They could come up later and remove the option of Binance funding, and leave customers to fund their card through bank transfer only.

If they remove BinancePay, I'll start looking somewhere else. They should better stick to their choice and cater to seemingly 2 classes of users — they ones that understand basic crypto & they ones that do not. Because, I see no reason why they wouldn't choose to adapt to p2p rates on Binance at once since they've had that funding method already

BannedUser:
Bank Transfer option became available with the latest updates.

Funding via Binance Pay is still cheaper at less than ₦740/$

Just updated and saw the feature. Good initiative from them, but they decided to join bad gang. The difference between funding the card & withdrawing is insane!

Through BinancePay is still the cheapest way to fund. For someone like me, I only fund cards with the amount I know I want to spend (no withdrawing/converting back to Naira).

Meister:
People keep saying that gotok is for those with crypto knowledge but I funded my gotok app directly from my bank though it was at #753 to a dollar.
Is it that you guys don't know that option exists or just because the binance option is the cheapest ?

Unless there's been a new update to the app. So far, the feature was added but in Beta and is not yet widely available.

I wouldn't use that method shaa, when p2p or crypto sef would be a bit cheaper

Uchepele:
Nipost still dey exist self?
Bcus since last year ending, all my items thats supposed to come through nipost no dey reach my hand at all

They exist.

For me though, virtually all my orders comes through Speedaf, straight delivery to my house. This has been the norm for like 10+ items I've ordered in the last 3months. (*Gold member on AliExpress though)

Timekeeper452:
who really still uses chippercash?

Rich kidz

ewizard1:
Please house, how do i search Speedaf offices all around Lagos?

Or anyone knows there office around CELE Express, Ago Palace, Jakande, etc in Lagos?

Thanks.

Open Google map. Search "Speedaf". I don't stay in Lagos, but for my location their office shows when I search (+ rotational 3D image for me to see how the street/area looks like)

abhosts:
Payday is a very useless and unethical company. Patronize them at your own risk.

I Funded my Dollar Virtual card with them but all payment transactions were declined with 'Insufficient Funds' response, despite having more that enough balance. So I asked them to refund my money after waiting 1 week for a solution, but they started dribbling me and playing dumb. Now the $500 I wanted to use for phone purchase on AliExpress is in Limbo. Even Transactions of $10 would not go through.

Today, after almost 2 weeks of back and forth with their support, the same person that has been responding to me just sent me a mail that he has forgotten my complaint, that I should refresh his memory and describe the problem I am having afresh. This looks so unreal.

How I wish I had known of Klasha earlier. They appear to be honest and reliable(at least for now).

Omo sorry.

Drag them on Twitter with screenshot evidences etc, and your money will come out. That amount is not small in this economy.

amstamon:
Bro, can I use this gotok or klasha to buy an item on australian stores?

Generally, most cards will work if the item you want to buy is quotable/sold in the currency of the card (ie. you can use a USD card to buy from a store which sells things in USD)

Payday are just suffering a side effect of aggressive marketing. They came up too fast without proper planning — just Twitter ads, paying influencers to market them.

I first found them on exactly 3rd January 2023, with a job opening they posted (customer service/support)... I applied that very day. Till today, no response at all whether positive or negative. On that 3rd January, they had less than 5k followers on Twitter (not exaggerating). Less than 5k.... and within 3 months, they have 53k+ followers. In February & March, tbh I was seeing Payday ads like water everywhere, after 5 tweets on my TL ... Payday ad. Till I had to block them permanently because I wasn't using their service at all.

If they are serious, they'll funnel their marketing money for promoted tweets to also include tweets that warn their users.

.......

anyway, no need to derail this thread further. I'm off to AliExpress to scroll and look for things to buy that I don't need Lol

noobody:
It is exactly what they are doing,they work hand in hand with these scammers,
Yesternight just proves it,
You need not apologise over sounding harsh,money is stolen already,no need crying over split milk.
My reason for bringing this here is to warn users to be careful of payday.
If the app was truly secured as they claim and if truly ngn services was down,how did the scammers move money while services was down?
If they did not have inside intel,that would not have happened.
Thanks for your input thou.

👍

Phishing scams have existed for ages. Each user is responsible for their security first.

Payday or any other service can only do so much in their capacity. Best they can do is report such accounts, block them (of which they scammers can keep opening new ones), report the account to Twitter, implore their users/followers to report those accounts too and alert their community on which account is actually theirs.

No matter how you do it, phishing scams will always be there (ask Metamask, Trust wallet users... they know the drill). Reddit, Facebook, Discord etc are no different — phishing scams are there. It's up to Twitter themselves to take active stance in combating fake/bot/duplicate accounts.

noobody:
The reason why I tagged payday as a scam is simple,if truly ngn services were down as they claimed,how come scammers were able to move money swiftly?
As at yesterday money could not be transferred out to any other bank,USD bank could not be loaded too.
So how come scammers were able to do that?if payday was not involved.

So invariably, they'll sabotage their service to give time for scamming ?? That's preposterous IMO. Even if that were to be the case, in all things, the moment you give out your details (username, pin, password, click a link on your own accord), then it becomes 100% your fault (sorry if it sounds harsh). If you didn't do these and money just left, then that's where one can tag it "fraudulent/scam".

sleemoon:
I actually had a similar experience in Feb or so.. but those hackers were stupid enough to transfer 5100 to my acct ..i guess from someone dey also stole from.. and they were trying to transfer it out but it failed that's where i smelled a rat... How can u transfer money from my account without my consent... I logged out and changed my password...

I was the 1 that actually gave those hackers way into my account though... I lodged a complaint on their Twitter platform concerning my Virtual Dollar account..and a supposed Admin DM'd me and ask for my username... Then gave me a link to login through as i logged in through that link they had access to my acct but unfortunately for them i have transferred my money to my chipper account... I guess they now made a mistake of transferring 5100 into my account..

Your second paragraph says it all. A lot of times when you hear "XXXX is a scam/fraud... my money was stolen", the person saying this omits the error they themselves made on their part. Everyone is responsible as a firstline for their own security. If you mess up (ie. share your details, click a phishing link) all because the profile information of the account that messaged you has the same image, bio or plausible info, then you're fully to blame. I've seen this occur way too much.

No genuine app/support will write to you and request account details or ask you to click a link. (*one look at a URL and I can immediately tell it's a scam). If you need help, write through official channel inside their app and exercise patience. It's this patience part that kills a lot of people. Not me shaa, never been scammed and can never be scammed.

I've not had any issues with Nipost myself, apart from their "under the table" behaviour which their staff exhibit (ie. asking for small payment). In all the cases, I'd get a call from them when my item is ready for pickup and I'll arrange a day & time I'll come to get it.

They are not so bad as a lot of people paint them

Mofetemi:
it is crypto induced now

Check their Twitter. A new update will be rolled out that'll permit funding your card with naira/bank transfer (*rate for this will follow more closely with other fintech apps for sure). Personally, I'll still use the Binance Pay method, as I can deposit Naira to Binance at p2p rates.

morikee:
Is there any Virtual Card that i can use to buy Ledger device cus on the website they do support Naira i think they do Dynamic Conversion

If you're mentioning Ledger hardware wallet, it basically means you know your way around crypto. Thus, use Gotok... it's basically the best of all.

How to?
- Download Gotok app & verify your account (after verification, you may kindly use my Ref code: 5632919900 if you wish
- Have any crypto in your Binance spot account OR Solana wallet (a non-custodial one)
- Go to Binance app and setup everything that has to do with Binance Pay
- Come back to Gotok and choose funding source "Binance Pay". Input the amount and it'll automatically redirect you to Binance to verify the transaction.

That's all.

If you don't have any crypto on Binance and you want to use Naira, deposit Naira to your Binance account via P2P first (**the p2p rate on Binance is fairer than what Chipper, Klasha or any other fintech app will offer you).

After using Gotok, come back here and give testimony Lol

IMAliyu:
Has to be BUSD, not USDT

With Gotok, it can be any crypto. Just hold the crypto in your spot account on Binance. I've funded with busd, usdt, btc, zen, zec, matic etc. The conversion back to busd is done automatically irrespective of which crypto you have.