⚡ Quick summary (TL;DR)
Manage Pay balance, transfers into MPCard, spending, and transfers out so balances stay clear day to day.
Keep egress region, billing address, and card details aligned; leave a balance buffer; do not rapid-retry payments.
This guide is for MPChat Pay & MPCard (Cloud / Flash / Boundless).
📖 Overview
Understand the fund flow of MPChat in one article: Pay → card → spend → transfer back. It is suitable for users who have just opened a card and want to figure out "where the money is and how to move it."
MPChat's funds are divided into two layers: Pay balance (your asset account) and card balance (each card is independent). Understand the relationship between these two levels, and you will not get lost when using cards.
The Asset page has two tabs: Pay and Web3. Card opening, deposits, card spending, and transfers out use Pay balance only; assets in the Web3 tab are not used for cards.
USDT on the chain ──▶ Pay balance (USD) ──▶ Card balance ──▶ Merchant consumption
▲ │
└──────(turn back)───────┘
Deposit into Pay
First deposit USDT into MPChat Pay, and the system will convert it into USD based on the exchange rate and credit it to Pay balance. Two ways:
On-chain deposit (USDT): Withdraw coins from the exchange or wallet to the MPChat payment address. For details, see "How do I top up (deposit) my MPChat wallet? 》.
Binance Pay recharge: For details, see "How to use Binance Pay to recharge to MPChat account?" 》.
⚠️Be sure to check the network and address when recharging on the chain; there is a minimum recharge amount limit. 10 USDT (TRC-20 Network)
Transfer from Pay to the card
After opening the card, the balance of the card will be used for consumption, and the Pay balance needs to be transferred to the card first.
Path: Card page → "Recharge/Transfer", select the target card and enter the amount.
Cost and timeliness: Transfers between Pay and cards are instant and free.
For details, see "How to add money to the card after opening the card?" 》What is the difference between "Transfer" and "Top-up"? Is there a fee?.
Card consumption and automatic currency exchange
The card is settled in USD; when spending in non-USD areas, the bank will automatically convert it into the local currency.
The actual deduction for each purchase = consumption amount + handling fee. Please ensure that the balance in the card is sufficient (it is recommended to reserve a handling fee buffer).
For details such as cross-border fees and handling fees, please refer to the "MPCard Cross-border Exchange Rate and Handling Fee Instructions".
⚠️ Insufficient balance will cause the payment to fail and will not cause the card to be frozen; please make up the balance in time and try again.
Transfer card balance back to Pay
Money you don’t want to keep on the card can be transferred back to Pay balance.
Path: Card page → "Transfer/Swap" to transfer the card USD balance back to Pay.
Minimum retained balance: The card balance must be transferred back to Pay before cash can be withdrawn; when transferring out, refer to the "Transferable Balance" on the card details page. Insufficient balance will only cause the transaction to fail/reject payment, but will not cause the card to be frozen.
Key Rules Quick Check
Project | Description |
Minimum deposit amount | 10 USDT (TRC-20 network) |
Pay→Card transfer fee | Immediate transfer and free of charge |
Minimum card balance | The card balance must be transferred back to Pay before cash can be withdrawn; when transferring out, please refer to the "Transferable Balance" on the card details page. Insufficient balance will only cause the transaction to fail/reject payment, but will not cause the card to be frozen |
Consumption handling fee/cross-border fee | See "MPCard Cross-border Exchange Rate and Handling Fee Instructions" |
Arrival time | It takes a few minutes to recharge on the chain; it may take longer for large amounts or bank review |
Special reminder
Keep enough handling fee: Before consumption, make sure the balance > consumption amount + handling fee to avoid payment failure.
Large-amount batches: Large-amount recharges/transfers may require bank review, which may take longer.
Confirm arrival before consumption: Recharge/transfer is not absolutely real-time, please confirm arrival before payment.
📚 Related articles
💬 Still having trouble?
Do not retry payments rapidly (risk systems may cool you down). Screenshot the error (mask card number & CVV), then tap the message icon in MPChat for 1:1 support.
Need an MPCard? Apply inside the MPChat App — a virtual card is usually ready in about a minute.