If your top-up was successfully processed, you’ll receive an in-app notification confirming this, and the funds will be immediately available in your fiat wallet.
Although most card top ups are processed instantly, some transactions may be subject to additional checks, which in turn may increase the processing time.
However, if your card or top up was declined, there can be a number of reasons for this.
We have collected the most common error messages and their explanations here: Card top-up: Error messages list.
Sometimes it can happen that a failed transaction appears as successful on your bank account. This happens when your card issuer blocks the funds to make them available for the beneficiary, but the beneficiary is unable to collect them due to technical issues that occurred during the transaction.
This process is called “preauthorization”, and in these cases your funds will be automatically released within 7-10 business days. No action is required from your side, and no fees are charged for unsuccessful top ups.
To help you understand and hopefully also solve any issues that may occur when topping up your funds with a credit or debit card, we've listed the most common reasons for declined or failed transactions, and their solutions, here.
Make sure your card is not expired or due to expire this month.
Check your available balance and try again.
Card blocked for purchase of cryptocurrency
Contact your bank to confirm if they allow the purchase of cryptocurrencies.
If your card cannot be used for this type of transaction, please try again with a different card.
Technical issue with the card issuer's system
Try again later or with a different card. In some cases, you may want to contact your bank for further assistance.
3D Secure Authentication fails
If you receive a "3D Authentication failed" error, it means that you have not entered the required information successfully.Please repeat the process making sure there are no typing errors, and make sure to complete any authentication requirements with the bank if requested.If the error persists, please contact your credit card issuer for additional information.
The issuer bank of your card have blocked your card for security reasons
Contact your bank to confirm if a temporary hold has been applied to your card. Please make sure you have the most recent version of the SwissBorg application installed on your device, as it is possible the issues are caused by using an outdated version.