Spend Card

Mercuryo Spend Card is a virtual EUR debit Mastercard that users can fund with cryptocurrency and use for payments worldwide.

Note: Spend Card is disabled by default. Contact your integration manager to enable it for your widget.

Card Features

Virtual EUR-denominated Mastercard
Fund the card balance by selling crypto (Off-Ramp) or by buying crypto using the Spend Card balance (On-Ramp)
Use for online and in-store payments wherever Mastercard is accepted
In-store payments supported via Apple Pay and Google Pay
3D Secure protection for online transactions (SMS verification)
One card per user

User Requirements

To issue a Spend Card, the user must:

Have completed KYC
Have a valid mobile phone number (required for 3D Secure SMS)
Be an EEA citizen or EU resident — see the full list of eligible countries

What Changes When Enabled

When Spend Card is enabled for your widget:

A dedicated Spend Card tab appears in the widget for users.
In the On-Ramp flow, users can pay with their Spend Card balance.
In the Off-Ramp flow, Spend Card becomes available as a payout destination — users can sell crypto directly to their card.

Use these parameters to deep-link users directly into Spend Card sections of the widget:

Parameter	Value	Description
`payment_method`	`spend_card`	Pre-select Spend Card as the payout method in the Off-Ramp flow
`fix_payment_method`	`true`	Prevent the user from changing the payment method
`fiat_currency`	`EUR`	Required for Spend Card — the payout currency is always EUR
`fix_fiat_currency`	`true`	Lock the fiat currency to EUR
`show_spend_card_details`	`true`	Open directly to the card details page (for users who already have a card)

Example — direct to Spend Card Off-Ramp:

https://exchange.mercuryo.io/?widget_id=YOUR_WIDGET_ID
  &type=sell
  &fiat_currency=EUR
  &fix_fiat_currency=true
  &payment_method=spend_card
  &fix_payment_method=true

See Widget Parameters for the full reference.

End-User Flows

Card Issuance via Off-Ramp (spend_card_open)

The user specifies the crypto amount for a Sell operation.
The user selects the Spend Card as the payout method. This option is available if the feature is enabled by the integration manager.
The user completes KYC verification, if required.
The user provides a phone number for 3D Secure confirmation and enters the code sent to it.
The user confirms the transaction and initiates the transfer.
After the blockchain transaction is complete, the user receives a success notification.
Mercuryo issues the Spend Card after receiving the crypto.
Card details are displayed to the user once the card is ready.

Purchase with Spend Card Balance via On-Ramp (spend)

The user specifies the fiat amount for a Buy operation.
The user selects Fiat balance as the payment method. This option is available if the feature is enabled by the integration manager. When Fiat balance is selected, funds are transferred from the user's bank card to the Spend Card, and the crypto purchase is made from the Spend Card balance. If the user doesn't have a Spend Card yet, one is created with a zero balance — they can top it up afterward.
The user completes KYC verification, if required.
The user provides a phone number for 3D Secure confirmation and enters the code sent to it.
The user confirms the transaction and initiates the transfer.
Once the fiat amount is debited from the Spend Card, a crypto withdrawal is initiated for the user.
Card details are displayed to the user once the card is ready.

Transaction Statuses