CryptoCardex

Help centre

Frequently asked questions.

Everything about getting a card, topping it up and paying with it. If your question is not here, support answers in the chat.

Getting started

What is CryptoCardex?

A card you fund with cryptocurrency and spend like any other card. You top it up with USDT or Bitcoin, the money sits on the card as dollars, and at the checkout the shop sees an ordinary Mastercard payment.

What do I need to open a card?

An email address and a password. That is the whole list. No passport, no selfie, no proof of address and no bank account.

Do I have to pass verification?

No. Cards are issued without identity checks. You are never asked to upload a document to get a card or to top it up.

How long does it take?

About two minutes. Issuing is automatic, so the card details appear in your account right after payment, at any hour of the day.

What does a card cost?

A virtual card is $49.99, an Apple Pay card is $59.99 and a physical card is $459.99. Each is a single payment. There is no monthly fee and no annual fee afterwards.

What is the difference between the three cards?

The virtual card is for paying online. The Apple Pay card is the same thing plus the ability to add it to Apple Pay and Google Pay, so you can tap at a terminal. The physical card is a real card posted to you, and it also works at cash machines.

Which countries can open a card?

Almost all of them. The card is issued online, so there is no local branch and no residency requirement. A short list of sanctioned countries is the only exception.

Topping up

Which cryptocurrencies do you accept?

USDT, USDC, Bitcoin, Ethereum, BNB, Solana and TRX. USDT is what most people use.

Which networks can I send on?

USDT arrives on Tron, Ethereum, BNB Chain and Polygon. Each network has its own deposit address, and the address you are shown already matches the network you picked.

What does a top up cost?

Three per cent of the amount, plus the fee of the network you send on. Both are shown before you confirm, so you always see what will land on the card.

Why is one network cheaper than another?

The network fee is what the blockchain itself charges to move your money, and it is not ours. Tron and Ethereum are more expensive to send on than BNB Chain or Polygon, so if you are topping up a small amount, the cheaper network saves you real money.

Is there a minimum top up?

Yes, and it depends on the network, because sending a few dollars over an expensive chain would cost more in fees than it is worth. The minimum is shown on the top up screen.

How long until the money is on the card?

Usually a few minutes. We wait for the network to confirm the transfer, then credit the card. Tron and BNB Chain confirm in under a minute; Bitcoin takes longer.

I sent to the wrong network. What now?

Write to support with the transaction hash. In most cases the money can be recovered and credited, it just takes longer than a normal top up.

I sent a different amount than I entered.

That is fine. We credit what actually arrived, not what was typed. If you sent more, the extra goes on the card as well.

Paying

Where is the card accepted?

Anywhere Mastercard works. Online shops, subscriptions, ad platforms, airlines, app stores. With Apple Pay or Google Pay it also works at any contactless terminal.

Can I add it to Apple Pay and Google Pay?

Yes, with the Apple Pay card and the physical card. You add it in the wallet app like any other card and confirm with the code we send you.

Does it work for subscriptions?

Yes. ChatGPT, Claude, Netflix, Spotify, Adobe, Steam and the rest. Keep enough on the card for the renewal, otherwise the charge is declined and the service may cancel the subscription.

Can I pay for advertising with it?

Yes, and it is one of the main reasons people take this card. Meta, Google Ads, TikTok and the smaller networks all accept it, including in countries where local cards are routinely refused for ad spend.

What are the limits?

There is a limit per transaction and a limit on the total you can load. Both are shown in your account next to the card. They are high enough for normal use, including ad budgets.

In which currency is the card charged?

The card is in dollars. If a shop bills you in euros or another currency, the amount is converted at the time of payment, so keep a small buffer on the card.

Why was my payment declined?

Most often there was not enough on the card, including the shop's hold, or the amount was over the per transaction limit. Some merchant categories are blocked by the issuer and will always be refused.

Can I withdraw cash?

With the physical card, yes, at cash machines. Virtual cards cannot be used for cash.

Managing your card

Where do I see the card number and CVV?

In your account, on the card page. The details are hidden by default and shown after you confirm it is you.

Can I freeze the card?

Yes, instantly from your account, and unfreeze it the same way. A frozen card refuses every payment while keeping the balance untouched.

How many cards can I have?

As many as you need. People usually keep separate cards for subscriptions, for advertising and for shopping, so that one declined or compromised card does not stop everything else.

What happens to the balance when the card expires?

Nothing is lost. The remaining money stays with your account and can be moved to a new card.

How do I close a card?

From your account. Move the balance off first, because closing a card with money on it takes longer to resolve.

What about refunds from a shop?

A refund goes back to the card it was paid from, the same as with a bank card. It can take a few days, that part is up to the shop and the payment network.

Security and privacy

Do you hold my money?

No. Cards are issued and the balances are held by licensed partners. We are the layer between your crypto and that card.

What does a shop see when I pay?

What any shop sees from any card: the card number, the amount and the merchant side of the transaction. It does not see your crypto, your wallet or where the money came from.

What data do you collect?

An email address, and the technical records any payment service has to keep. There is no identity file on you, because we never asked you to create one.

My card was compromised. What do I do?

Freeze it in your account straight away, that takes one click and stops every further payment. Then write to support and issue a new one.

How is my account protected?

By your password and, if you turn it on, a second factor. Payments on the card are additionally confirmed by a code we send you.

If something goes wrong

The confirmation code is not arriving.

Check the spam folder first, that is the usual cause. If it is genuinely not arriving, write to support with the last four digits of the card.

I cannot log in.

Use the password reset on the login page. If the reset email does not arrive either, contact support from the address the account is registered to.

My top up has not been credited.

Give it a few minutes, the network has to confirm first. If it is still missing after that, send support the transaction hash and we will trace it.

How do I contact support?

Through the chat on the site or by email. For anything involving money, include the transaction hash or the last four digits of the card, it saves a round trip.