Hi!

I looked into this and it appears Railway doesn’t accept prepaid cards. You’ll need to use a standard debit or credit card that supports recurring monthly payments for billing to work properly.

Here’s how it looks for Railway payments, and what I recommend you try given you’re using a Nigerian-denominated card:

What Railway’s Payment Policy Says

• Railway’s pricing docs say: “Railway only accepts credit cards for plan subscriptions.”Railway Docs+1

• It does not explicitly mention support for all card networks or currencies (e.g., Naira-denominated cards).

• It treats the payment as international/online credit-card processing, which means your card must fulfill the processing requirements (card network, issuer support for cross-border, etc.).

Why Your Verve Card Might Be Failing

• Cards denominated in Naira (e.g., local Nigerian Debit or local network cards like Verve) may be blocked for international online transactions by default (depending on issuing bank/policy).

• The “Card number is not correct” error could be a generic decline (not necessarily just wrong number) from the payment gateway refusing the network or region.

• Even if you use the card for “several online payments”, the payment gateway for Railway may treat it as cross-border / international merchant and your bank may block the transaction or not support that network.

Will a Visa/MasterCard Naira-denominated Card Work?

It might, but there are conditions:

• If your Visa or MasterCard is internationally enabled (issuer permits foreign/online transactions beyond Nigeria, supports multi-currency or USD settlement), then yes, you have a good chance.

• However, simply being “Visa/MasterCard denominated in Naira” is not enough — if the card is treated as domestic only, or the merchant processes in USD (or other currency), there may still be an issue.

• Also check: your bank must allow recurring / subscription payments and foreign exchange conversion (if the charge is converted from USD or other currency).

• If the card is local network only (Verve, local Visa/Master, domestic gateway) and the merchant/gateway expects international card (Visa/Master in USD zone) then it may still fail.

My Recommendation for You

• Contact your bank/issuer and ask: “Does my card support international online payments / US- or overseas-merchant online subscriptions?”

• Try with a Visa or MasterCard (internationally enabled) rather than a purely local network card.

• If you have access to a foreign-currency enabled card (USD/GBP) or a card that works internationally, use that for Railway.

• In the payment attempt with Railway: ensure card network (Visa/MC), correct billing address, CVV, 3D Secure if prompted — sometimes failures result from mismatch of address or bank’s 3D Secure block.

• If still fails, you can contact Railway support and point out your card network/issuer region — they may provide further detail (but note: their docs show only “credit cards” accepted, not guaranteed per card region)