Bad experience with Using my GTBank Naira Mastercard on Quickteller

Quickteller is one of the cool Nigerian websites I love visiting when it comes to purchasing stuff and paying for bills. One can buy GSM airtime credit, pay PHCN bills, renew DSTV subscription and even transfer money to banks and all it basically requires is your Card and a free membership account.

I'm not really used to using my GTBank Naira Mastercard for online transactions since I've always believed it doesn't really work. I guess I've tried out my mastercard on many sites and perhaps once with quickteller.com and I guess I had a bad experience then but I've forgotten what caused it so I decided to try again today.

I just wanted to check if I'd be able to purchase airtime credit from the site and pay with my Naira Mastercard.

What I did
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- I went to Quickteller.com
- Logged into my account with email address and password
- Decided to buy MTN airtime topup
- Proceeded to make payment
- Select the card type as Mastercard Naira Debit(Most ATM cards linked to your account are debit cards)
- Entered my card details(Card number, expiry date, CVV code and PIN)
- Clicked on Pay

I got an error saying "Your payment was not successful You cancelled this transaction."

This made me to remember that Mastercard Naira debit cards issued GTBank actually require a token to be used when making online payments.

By default, it seems Naira Mastercards don't work for online transactions unless you've activated it first and this may require getting an online token first.

Now why would I have to get a separate physical token first in order to use a Mastercard for online transactions. I guess this is why I still love using my Verve card on Quickteller.

It seems Naira mastercards from GTbank are mostly good for ATM transactions only and not on sites like Quickteller.