Nioji – Decentralized Reusable Virtual Card Creation Service?

Nioji, found online at, lets you create a virtual or physical payment card instantly. Here’s our review.

What is Nioji?

Nioji is a payment platform that lets you load up a card, then spend it at real merchants. Like similar products, you top up your account with your mobile phone. Nioji offers virtual cards – which you can make instantly and start spending money online. Or, you can order a plastic card.

Nioji launched earlier in 2017. The company aims to attract users with unique features – like the ability to send money through PayPal.

In addition to offering cards, Nioji works as an ordinary payment platform – similar to PayPal. The major distinction with Nioji is that all transactions are recorded on the blockchain for maximum security and transparency.

How Does Nioji Work?

Nioji uses blockchain technology to allow cross-network sending and receiving of money and funds around the world. You don’t need a bank or card. Nioji works worldwide, and it costs less than $5 USD or 1% of the transferred amount.

One of the nifty things about Nioji is that you can send money using just a phone number.

Once you have money in your Nioji account, you can get a Nioji card for yourself, your family, or your company. Virtual and plastic cards are available, allowing you to buy stuff from merchants in real-time.

Another neat thing about Nioji is that you can create multi-use or single-use cards. So if you just want to create a card for a single online product or service, then you can do that. In fact, Nioji lets you generate that virtual card in minutes. Some people might also do this if they’re worried about giving sensitive information – like credit card data – to a third party.

Nioji Features

Nioji advertises all of the following features:

Virtual and Plastic Cards: Nioji cards can be used to make payments online an in stores.

Spending Limits and Permissions: Set, change, and update spending limits and permissions for each card generated. Businesses can setup a Nioji account with different spending limits for different employees, for example.

Real-Time Notifications: Nioji comes with real-time notifications, which means you can get updated about your purchases and transactions through ordinary smartphone notifications in real-time.

Uses for Nioji

Nioji’s website has a “Use Cases” page where it identifies its target markets. Nioji targets its cards for individuals, families, companies, and anyone else who can benefit from a tracked payment card:

For Individuals:

Anyone can create virtual and physical cards using Nioji, then make online or offline transactions. Individuals can create multi-use or single use cards at their convenience, then securely share card information without compromising their banking security.

For Parents:

Teach your children budgeting and straighten their spending behavior. Parents can create a physical card for their child, load it with funds, and gift it to their children. The parent can set spending limits and transaction limits or limit transaction types. Plus, the parent receives real-time notifications of all transactions made with the card.


Create physical cards and pay contractors or freelancers instantly. Nioji claims to reduce transaction costs by over 60% (PayPal, for example, charges fees as high as 6%, while Nioji charges a fraction of that amount). “Marketplaces can securely determine the payment amount, timing and the milestones.” Today, Nioji claims marketplaces are already using Nioji cards to create escrow payment systems based on milestones.

For Companies:

Nioji allows companies to create expense cards for their staff. Companies can easily set spending limits and authorization limits, generate expense reports, and integrate reports into existing accounting software. Real-time notifications help businesses track each employee’s card usage.

Insurance Firms and Brokers:

Nioji allows insurance firms to payout claims instantly, allowing them to benefit from discounts and provide superior client satisfaction. Insurance firms can use Nioji cards to administer insurance at the point of claim through instant funding for the facility.

Other possible uses for Nioji include by NGOs seeking to reduce costs when transferring currencies internationally, for money remittance services transferring funds worldwide, and for government organizations.

Nioji Pricing

Nioji’s fees are clearly listed on the website here. Here are some of the most important fees and charges you need to know about:

  • Creating a Card: Free
  • Reloading Funds (Onto Your Own Card): Free
  • Reloading Funds (Onto Another Card): 1%
  • Transaction Fees: 5%
  • Monthly Fee: $1 USD

As you can see, Nioji mentions fees of 1% on the font page of its website. However, the company charges a 5% fee on all transactions – which is surprisingly expensive considering the other options available today, particularly in the cryptocurrency community.

Nioji Conclusion

Nioji is a payment platform currently in beta. The platform lets you send money internationally at a low cost. You can also create a virtual or physical card for free. Although Nioji seems to have lower upfront costs and deposit fees compared to other payment platforms, it has a transaction fee of 5%.

One of the unique things about Nioji is that all money transfers are performed over blockchain technology.

To learn more about Nioji, visit the platform online today at

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