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.

Transaction Statuses