You · 2 minutes
Opening the account
Email, a long password, a second factor. No documents at this stage, no payment requested. You can explore the account area before going further.
01 How it works
From the chain to the terminal.
There is no magic and no shortcut. Here is exactly what happens between the moment you send crypto-assets and the moment a merchant takes your payment — including the points where it can go wrong.
02 The journey
The line fills as you read. Each step says who acts: you, the chain, or us.
You · 1 minute
Requesting a top-up
You enter an amount — $50 minimum, $10,000 maximum per operation — and choose a network. The invoice contains a dedicated deposit address, an exact crypto amount, and a 30-minute window during which the rate is locked.
You · varies
Sending the funds
From your wallet or exchange, to the address shown, on the network shown. This is where most incidents happen: a correct address on the wrong network, and the funds are usually gone.
The chain · 5 seconds to 60 minutes
Confirmation
The network validates your transaction. We wait for a number of confirmations proportionate to the amount and the network. That delay is not ours to control: it is chain time.
Us · instant
Conversion and credit
On receiving the signed notification confirming settlement, we convert and credit your balance in electronic money, less our commission. From that moment you are no longer exposed to the price of the crypto-asset you deposited.
You · 2 minutes
Issuing the card
Euro or dollar. The full number, expiry date and security code appear immediately in your account, masked by default and revealed on demand.
You · immediate
Paying
Every authorisation appears in the ledger within seconds, with the merchant name, the original amount, the currency, and any conversion applied.
If your exchange offers several networks for the same asset — USDT is the classic case — check twice. TRC-20 and ERC-20 are not interchangeable.
03 A worked example
What a $200 top-up becomes.
Sending USDT on TRC-20. Network fees are paid directly to the chain by your wallet: they never appear on our invoice and we do not mark them up.
The commission is the same for everyone and on every top-up: 1.5%. There is no tier, no preferential rate, no line that changes with the account.
Operation breakdown
USDT · TRC-20
- Amount requested
- 200,00 $
- Network fee (paid to Tron)
- ≈ 1,10 $
- Received by the processor
- 200,00 $
- BuyVirtualCards commission — 1.5%
- − 3,00 $
- Credited to balance
- 197,00 $
Total cost of the operation to you: $4.10, or 2.05% of the amount sent.
04 When it goes wrong
01
The invoice expired before you sent
Funds arriving after the 30-minute window are generally credited at the rate on receipt, not the locked rate. Write to us with the transaction hash: we reconcile manually, free of charge.
02
You sent less than the exact amount
An underpayment of up to 1% is absorbed and credited normally. Beyond that, the invoice fails and the amount actually received is credited after manual review, within two working days.
03
Wrong network
Recovery is sometimes possible if the destination chain is compatible and we hold the key. Expect several days and a processing fee. If the address does not exist on that network, the funds are unrecoverable — by us and by anyone.
04
The transaction confirmed but the balance hasn't moved
A notification can be lost. Our server queries the processor on its own after a minute. If nothing changes after an hour, contact support with the hash: in this case the funds are never lost, only late.
Other situations are covered in the FAQ. FAQ →