From balance to card: what happens after you confirm

The receipt does a lot of work quietly. You type a balance, pick how to pay and press a button, and a little later a card appears in your account. In between, several things happen in a fixed order, each with its own status on your receipt. Knowing that sequence makes the wait feel shorter and makes it obvious when something needs your attention.

1. The total is locked

The moment you confirm, our server takes the balance you entered and works everything out again from the current settings: a 15% top-up charge, a $5.00 card fee and what they add up to with the balance. Whatever the page showed in your browser, the server's calculation is the one stored on the order.

From then on, the order carries its own copy of the price. If our fees change tomorrow, your order is not affected. It also carries a copy of the payment method you chose — the network and address for a wallet transfer, or the checkout for a gateway payment — so the instructions you follow cannot change underneath you.

Every order gets a reference that starts with TU-. Quote it in help tickets; it is the fastest way for the team to find your order.

2. The path splits by payment method

What happens next depends on how you chose to pay.

Crypto checkout

The order starts as Awaiting payment, and you are sent to the hosted checkout page. There you pick a coin and send the payment. The checkout watches the network for it. Once the payment is confirmed, the checkout calls our server directly, and the call carries a signature we check before believing a word of it. The order then changes to Paid – awaiting card.

If you close the checkout without paying, the order simply stays as Awaiting payment. You can reopen the checkout from the receipt with Pay. Our guide to using the crypto checkout explains that page in detail.

Wallet transfer

You send the exact total to our wallet address on the network shown, then submit the transaction ID with the order. The order is created straight away as Pending review, because the payment has already been sent. A team member opens your transaction on the network's public explorer and checks that the right amount arrived at the right address on the right network.

3. The amount is compared with the total

Whichever path you took, the amount that actually arrived is compared with the locked total:

• Full amount — the order moves on normally.
• Slightly less than the total, within a small tolerance — the order still counts as paid, and the shortfall is noted.
• Clearly less than the total — the order becomes Underpaid – needs review, and a team member contacts you about paying the difference or returning what arrived.

This is why we always say to send the total with your own network and withdrawal fees on top. Our article on why less than the total sometimes arrives covers the usual causes.

4. A person issues the card

Each paid order joins a queue for review. A team member checks the payment and the order details, then issues the card: number, expiry, security code, cardholder name and billing address. The order changes to Card issued, and an email plus an Inbox message follow.

Why a person rather than an automatic step? Because this is the point where a mismatched payment, a duplicated transfer or a suspicious order gets caught before a card exists. It adds a short wait, and it is the part of the process that protects both sides. Most paid top-ups turn into a card within a few hours.

5. The card appears in the Cards tab

The card shows up in the Cards tab with its status, balance, expiry and billing address. Tap Unlock number & CVV and type an authenticator code; the full number and CVV stay visible for a minute. You can now use the card at checkouts that accept virtual cards.

What you can do while you wait

Between paying and receiving the card there is usually nothing you need to do, but a few small things make the wait easier and help if a question comes up:

• Keep the receipt bookmarked. It is the single place that shows the current status, the payment details and any message from the team.
• Watch your inbox. Every status change that matters — paid, underpaid, issued, rejected — comes with an email. Check the spam folder once if you expect one and don't see it.
• Keep your payment details. For a wallet transfer, note the TXID and network; for the checkout, keep the confirmation the payment page showed. If anything needs checking, these answer most questions immediately.
• Avoid duplicate orders. Placing a second order for the same purchase while the first is still in progress creates two orders to untangle. If the first seems stuck, use Check status or open a help ticket from it.
• Prepare the checkout you plan to use. Look up the merchant's payment page, its billing requirements and whether it accepts virtual cards, so you can pay as soon as the card arrives.

What can stop the journey

Most orders go straight through. The ones that pause usually hit one of these:

• No payment yet. The order waits as Awaiting payment until you pay.
• Payment cancelled at the checkout. The order becomes Cancelled; no card is issued and you can start a new top-up.
• Payment short. The order is held as Underpaid until it is sorted out.
• Payment can't be verified. A wallet transfer that doesn't match — wrong network, wrong address, wrong amount — may end as Rejected, with the reason written on the order.

In every case the receipt says what happened and what you can do next. The How it goes page has the full list of statuses with plain explanations.

Quick answers

Can I change the balance after confirming?

No. The total is locked to the order. If you need a different balance, start a new order and leave the unpaid one as it is.

Does a cancelled order cost anything?

No. If the payment never completed, nothing was charged by us.

Will I be told when the card is ready?

Yes, by email and with a message in your Inbox. The receipt also changes to Card issued.

Why does a checkout order skip “Pending review”?

Because the checkout confirms the payment itself. The order goes from Awaiting payment straight to Paid – awaiting card.

Summary

Confirming locks the price. The payment path then splits: the checkout confirms itself, a wallet transfer is matched by TXID. The arriving amount is checked against the total, a person issues the card, and it appears in the Cards tab. At every step, the status on the receipt tells you exactly where things stand.