Transaction Types & Statuses

Spend Card operations create additional transaction types alongside the standard On-Ramp and Off-Ramp types. For all other types, see Transaction Types & Statuses.

How Transactions Are Identified

In Callbacks

Spend Card transactions are identified by the combination of type + payment_method:

`type`	`payment_method`	Description
`sell`	`spend_card_open`	Sell crypto to issue and fund a new Spend Card
`sell`	`spend_card_topup`	Sell crypto to top up an existing Spend Card
`buy`	`spend`	Purchase crypto using Spend Card balance
`fiat_deposit`	`spend_card_topup`	Bank card charge when Spend Card balance is insufficient during a purchase

In API Polling

When using GET /v1.6/sdk-partner/transactions, Spend Card types are not distinguished from standard types. See Transaction Types & Statuses for the response format.

API polling type names for Spend Card operations:

Type	Description
`sell`	Selling crypto to fund a Spend Card — card issuance (`spend_card_open`) or top-up (`spend_card_topup`)
`buy`	Buying crypto using Spend Card balance (`payment_method=spend`)

Sell (Spend Card)

Triggered when a user sells crypto to issue or top up a Spend Card. Two variants:

spend_card_open — creates deposit first → then creates sell for EUR funding and card issuance. On failure: creates withdraw to return crypto.
spend_card_topup — same flow as standard sell, the payout credits EUR to the user's existing Spend Card.

Identify: Callback: type=sell, payment_method=spend_card_open or spend_card_topup | API: type=sell

Status	Type	Description
`new`	Intermediate	Sell request created (payout address shown / crypto received, preparing payout)
`pending`	Intermediate	EUR top-up processing started
`succeeded`	Final	EUR credited to Spend Card (or new card opened and funded)
`failed`	Final	Payout failed (crypto returned to user)
`cancelled`	Final	Cancelled (crypto returned to user)

State transitions:

From	To	Trigger
`new`	`pending`	processing started
`pending`	`succeeded`	payout completed
`pending`	`failed`	processing error
`pending`	`cancelled`	system cancelled

Spend Card Purchase

Triggered when a user buys crypto using their Spend Card balance. On success, automatically creates a withdraw transaction.

If the Spend Card balance is insufficient, a fiat_deposit transaction is created automatically to charge the shortfall from the user's bank card.

Identify: Callback: type=buy, payment_method=spend | API: type=buy

Status	Type	Description
`new`	Intermediate	Payment data entered, awaiting processing
`pending`	Intermediate	Card verification and 3D Secure in progress
`order_scheduled`	Intermediate	Payment authorized, awaiting KYC verification
`failed_exchange`	Intermediate	Exchange request failed
`paid`	Final	Transaction successfully completed
`order_failed`	Final	Declined by card issuer / acquirer
`cancelled`	Final	Cancelled (funds returned if charged)

State transitions:

From	To	Trigger
`new`	`pending`	Spend Card verification started
`new`	`order_failed`	system error
`pending`	`order_scheduled`	order queued
`pending`	`failed_exchange`	exchange error
`pending`	`order_failed`	payment rejected
`pending`	`cancelled`	system cancelled
`order_scheduled`	`paid`	KYC passed or not required
`order_scheduled`	`failed_exchange`	exchange error
`order_scheduled`	`cancelled`	system cancelled
`failed_exchange`	`cancelled`	system cancelled

Fiat Deposit (Spend Card Top-up)

Service transaction automatically created when the Spend Card balance is insufficient during a purchase. Charges the shortfall from the user's bank card.

Identify: Callback: type=fiat_deposit, payment_method=spend_card_topup | API: not available

Status	Type	Description
`new`	Intermediate	Payment data entered, awaiting processing
`pending`	Intermediate	Card verification and 3D Secure in progress
`order_scheduled`	Intermediate	Payment authorized, awaiting KYC verification
`failed_exchange`	Intermediate	Exchange request failed
`paid`	Final	Top-up successfully completed
`order_failed`	Final	Declined by card issuer / acquirer
`cancelled`	Final	Cancelled (funds returned if charged)

State transitions:

From	To	Trigger
`new`	`pending`	card verification started
`new`	`order_failed`	system error
`pending`	`order_scheduled`	order queued
`pending`	`failed_exchange`	exchange error
`pending`	`order_failed`	payment rejected
`pending`	`cancelled`	system cancelled
`order_scheduled`	`paid`	KYC passed or not required
`order_scheduled`	`failed_exchange`	exchange error
`order_scheduled`	`cancelled`	system cancelled
`failed_exchange`	`cancelled`	system cancelled

Transaction Relationships

Off-Ramp Spend Card open (sell, payment_method=spend_card_open)
  ├─ Phase 1: deposit created (user sends crypto)
  ├─ Phase 2: sell created (EUR funding and card issuance)
  └─ On failure → creates withdraw (return crypto to user)

Off-Ramp Spend Card top-up (sell, payment_method=spend_card_topup)
  ├─ Phase 1: sell created (payout address shown)
  ├─ Phase 2: deposit created (user sends crypto)
  ├─ Phase 3: sell updated for Spend Card top-up
  └─ On failure → creates withdraw (return crypto to user)

Spend Card Purchase (buy, payment_method=spend)
  ├─ If balance insufficient → creates fiat_deposit (charge shortfall from bank card)
  └─ On success → creates withdraw (send crypto to user)

Overview

Event Callbacks