Debit card FAQs

  • updated 1 mth ago

What’s the difference between a virtual card and a physical card?

Physical debit cards are shipped to you via USPS. These debit cards can be used anywhere that accepts Mastercard.

Virtual debit cards are unique cards with no physical counterpart that have their own card numbers, expiration date, and CVC code. Virtual debit cards can be created at any time from the Cards page of your Mercury dashboard and can be used immediately.

Virtual debit cards can be used to make online transactions anywhere that accepts Mastercard, and are a great option if you need to make purchases while you wait for a physical card to arrive.

What are the fees associated with using a Mercury debit card?

We don't charge any transaction fees for use of your Mercury debit card. This applies to both U.S. domestic and international transactions.

If you use your debit card to purchase something in a non-USD currency, MasterCard will set its own conversion rate. You can get a rough idea of MasterCard's conversion rates here.

Does Mercury charge ATM fees to withdraw money?

Mercury doesn't charge fees to withdraw money, but some ATM networks might. If the ATM network charges a fee, it will be displayed prior to withdrawing your funds so you can decide whether or not you want to proceed.

Do you offer cash deposits on Mercury debit cards?

Not currently.

Can I send Instant Payouts to my Mercury debit card?

Yes! Instant Payouts sometimes experience slight delays that are dependent on the card processors, but the transfer will be completed within a few hours and is much faster than sending an ACH or wire to your account.

What countries will Mercury debit cards work in?

Aside from countries that currently have financial restrictions, are sanctioned, or are outside of our risk appetite, Mercury debit cards should work in most countries.

Here is a list of countries where our debit cards do work:

"AD", "AE", "AF", "AG", "AI", "AL", "AM", "AO", "AR", "AT", "AU", "AW", "AX","AZ", "BA", "BB", "BD", "BE", "BF", "BG", "BH", "BJ", "BL", "BM", "BN", "BO","BR", "BS", "BT", "BV", "BW", "BZ", "CA", "CC", "CG", "CH", "CI", "CK", "CL","CM", "CN", "CO", "CR", "CS", "CV", "CW", "CX", "CY", "CZ", "DE", "DJ", "DK","DM", "DO", "DZ", "EC", "EE", "EG", "EH", "ER", "ES", "ET", "FI", "FJ", "FK","FM", "FO", "FR", "GA", "GB", "GD", "GE", "GF", "GG", "GH", "GI", "GL", "GM","GN", "GP", "GQ", "GR", "GS", "GT", "GW", "GY", "HK", "HM", "HN", "HR", "HT","HU", "ID", "IE", "IL", "IM", "IN", "IO", "IS", "IT", "JE", "JM", "JO", "JP","KE", "KG", "KH", "KI", "KM", "KN", "KR", "KW", "KY", "KZ", "LA", "LC", "LI","LK", "LR", "LS", "LT", "LU", "LV", "MA", "MC", "MD", "ME", "MF", "MG", "MH","MK", "ML", "MM", "MN", "MO", "MP", "MQ", "MR", "MS", "MT", "MU", "MV", "MW","MX", "MY", "MZ", "NA", "NC", "NE", "NF", "NG", "NL", "NO", "NP", "NR", "NU","NZ", "OM", "PA", "PE", "PF", "PG", "PH", "PK", "PL", "PM", "PN", "PS", "PT","PW", "PY", "QA", "RE", "RO", "RW", "SA", "SB", "SC", "SE", "SG","SH", "SI", "SJ", "SK", "SL", "SM", "SN", "SR", "ST", "SV", "SX", "SZ", "TC","TD", "TF", "TG", "TH", "TJ", "TK", "TL", "TM", "TN", "TO", "TR", "TT", "TV","TW", "TZ", "UG", "US", "UY", "UZ", "VA", "VC", "VG", "VN", "VU", "WF", "WS","XK", "YT", "ZA", "ZM", "US", "PR", "GU", "VI", "MP"

The one exception to this is Ukraine - though not listed above, cards can be used anywhere in Ukraine besides the Crimean and Donbas regions.

Please note that you will be charged in the local merchant currency and Mastercard handles the currency conversion from USD.

Uncertain what country code you're looking at? Check them here!

What does it mean if I have a pending transaction in my card activity?

A "pending" card transaction means the merchant either hasn't fully authorized the payment or it hasn't completed the payment failure yet. 

We give merchants 30 business days to process or cancel the payment before we manually cancel it. 

If you're seeing a pending amount that's greater than your purchase, this is a pre-authorization. These charges remain pending for a few business days before they either settle for the correct amount or fall off of the account.

The Mercury Debit Cards are issued by Choice Financial Group and Evolve Bank & Trust, Members FDIC, pursuant to licenses from Mastercard.

Reply Oldest first
  • Oldest first
  • Newest first
  • Active threads
  • Popular

Need more help?

Email help@mercury.com and we're happy to assist.