I was tired yesterday and unable to fully quote and commentabiut your post. It is true that if you use Chipper Cash, the payment would be successful, but it is not advisable.

I do not as of now when naira has been devaluated, I used Chipper Cash to pay for YouTube premium personal account, it it ₦1100, I sent ₦10000 to Chipper Cash, dollar card was still ₦2000 at the time which was 2 or 3 months ago. I went for dollar card. Instead of ₦1100 to be deducted from me, ₦1750 was deducted.

Okay let me agree that ₦1700 was deducted
₦2000 for the dollar card
₦1700 for the subscription

I withdraw the remaining money and it remains ₦5250, instead of ₦6250.

Their dollar conversion rate is not favorable. Let me show you in a screenshot:

   

Buy at ₦901
Sell at ₦788

Is that not a scam?

You will still pay for the card if it is the first time that you are using it. The dollar card now is ₦3000





Buy and sell for P2P is far better is favourable. Let me show you the rate I can screenshot on Kucoin now:

   


I did not use Chipper cash for like 2 months because of their stupidity and ways of making money too much from customers and my YouTube transaction was declined, I later wish to subscribe again just like how you can think while using bank card, my dollar card has which supposed to last for 3 years has been deactivated, saying their are many declined transactions. What banks can not do and have never done for me before.

So my conclusion is that Chipper Cash should should not be used, centralizedexchangesP2P is far better. No that Chipper cash has privacy, why going for it when you can use the centralizedexchangesP2P that has no privacy too.

Only what that can be good while using Chipper Cash is to buy airtime, send and receive naira. But converting to dollar to make transaction is not favoring at all.