Activating and topping up debit cards

Step-by-step guide: How to use the Mercury Iconex crypto debit card?

1. Activating / Requesting a crypto debit card

To use the Mercury Iconex crypto debit card, your personal information or KYC documentation must first be verified. Once this is complete, you can proceed to request a card via the Mercury Iconex platform.

Follow the steps below:

1. Log in to your Mercury Iconex account.
2. Navigate to the card section or the option for crypto debit cards.
3. Click on Request New Card.
4. Review the available card types (VISA & MASTERCARD) and select the one that best suits your needs.
5. Check the displayed one-time activation fee, annual service fee, and any other applicable charges.
6. Ensure that your available balance is sufficient to cover the specified amount and any applicable fees.
7. Select the supported payment method (USDT or USDC) for which you have a sufficient balance, and click Continue.
8. Read the applicable terms and conditions; if you agree, check the box and review the displayed costs once more.
9. Click Pay to submit your card request.
10. Track the status of your request via the platform.

Once your card has been successfully activated, you can proceed to the next step: topping up your card.
Note: Activating a card and topping up its available balance are two separate actions. A successful activation does not automatically mean that your card has a sufficient balance to make payments.

2. Topping up your crypto debit card

To make payments with your Mercury Iconex crypto debit card, you must have a sufficient available card balance.
SRDC (Suriname Reserve Digital Currency) is used within the Mercury Iconex ecosystem to top up your debit cards.

Follow the steps below to top up your card:

1. Log in to your Mercury Iconex account, if you have not already done so.
2. Go to the debit card section. If you have multiple cards, select the one you wish to top up.
3. Look for the option to top up your card (e.g., "Top Up").
4. Enter the desired top-up amount in USD.
5. Check your available SRDC balance to ensure it is sufficient for the top-up and any applicable fees.
6. If you do not yet have any SRDC in your wallet, you can easily purchase it on our platform using the conversion feature.
7. Review the displayed amount, any applicable fees, and all other available details.
8. Confirm the top-up by clicking "Top Up."
9. Verify the transaction status and your updated card balance before using your card.

Once the top-up has been successfully processed, you can use the available balance for supported payments.

Your wallet balance and your card balance are not the same: The balance in your Mercury Iconex wallet is not automatically available for payments made with your crypto debit card. You must top up your card separately using the features provided on the platform.

Annual service fees are charged automatically: The annual service fee for your crypto debit card is automatically deducted from the available balance of the payment method you used when activating your card. Please ensure that you always maintain a sufficient balance to cover these fees. If your balance is insufficient, your card may be blocked.

Verify that your top-up has been processed successfully: Always check the transaction status and your updated card balance before attempting to make a purchase. This helps prevent unnecessary payment declines.

Be aware of fees and card terms: When using your crypto debit card, transaction fees, exchange rates, card limits, and other applicable terms and conditions may apply.

3. Making payments with your Mercury Iconex crypto debit card

Once activated and successfully topped up, you can use your card for payments supported by your card type and the available payment services.

Online payments with the virtual card

For online purchases, you can use your crypto debit card at online stores that accept the relevant card network.

1. Select the products or services you wish to purchase.
2. Proceed to the checkout page of the online store.
3. Select the payment option for a debit/payment card.
4. Enter the required card details within the secure payment environment provided. 5. Check the purchase amount and the applicable currency.
5. Confirm the payment and complete any additional verification that may be requested.
6. Verify that the payment has been successfully completed.

4. Paying with Apple Pay and Google Pay at physical points of sale

Depending on your card type, you may be able to add your Mercury Iconex crypto debit card to Apple Pay or Google Pay on your mobile device.
Using a supported digital wallet, you can make payments at point-of-sale (POS) terminals at participating merchants and service providers that accept the respective payment method.

Before setting it up, please check:

• Whether your card type is compatible with Apple Pay or Google Pay.
• Whether your device and operating system meet the requirements.
• Whether any additional verification is required.

If your card type and the payment terminal support these services, you can use your crypto debit card for payments at physical points of sale, as well as for online services.

1. Check whether the merchant accepts the relevant card network (VISA / MASTERCARD).
2. Ensure that your card has a sufficient available balance.
3. Follow the instructions provided by the payment terminal.
4. Complete the payment using the supported Tap-to-Pay method.
5. Verify that the transaction has been approved. The actual acceptance of a payment depends on the card terms and conditions, the merchant, the card network, and the available payment functionalities.

5. Checking your card balance and transactions

It is advisable to regularly check your available card balance and transaction history.
This allows you to keep track of your spending and verify that payments and top-ups have been processed correctly.

1. Log in to your Mercury Iconex account, if you have not already done so.
2. Open the card section on our platform.
3. Select the card for which you wish to view details.
4. Check the available card balance.
5. View your transaction history by clicking on Card Transactions.
6. Verify that the amounts shown match the transactions you have made.

6. Using your crypto debit card safely

Security is an essential aspect of using digital financial services. Mercury Iconex advises users to handle their card details and account access with care.

Keep the following security guidelines in mind:

• Protect your account: Use a strong, unique password and enable any available additional security measures, such as 2FA.
• Do not share your card details unnecessarily: Only provide your card number, security code, and other sensitive card information when absolutely necessary within a trusted payment environment.
• Monitor your payments: Regularly review your transactions and report any unknown or suspicious activity.
• Verify the payment environment: Be cautious of unfamiliar websites, suspicious payment requests, or messages asking for your card details. * Protect your digital assets: Never share your wallet seed phrase or private keys with any third party claiming they are needed to activate or top up your card.
• Keep track of your available balance: Check your balance before making a payment, and be mindful of any applicable fees and limits.

If your card is lost, stolen, or potentially subject to unauthorized use, notify us immediately so that we can block or freeze your card.

Mercury Iconex – The One For All & All For One CEX.

Updated on: 03/11/2026