Compliant residents of the European Economic Area (EEA 30+ countries) and the UK
Key Profile Facts (Categorized)
Fee & Exchange Rate Structure
- Public Fee Summary
- Virtual card fee €1.60, monthly fee €1.00; 0% FX on EUR purchases; crypto liquidation fee ~0.95%.
- Debit / Deduction Model
- Non-custodial wallet architecture: assets controlled by user private keys/hardware wallet, cleared via Quicko and Mastercard at payment
Application Eligibility & KYC
- KYC Identity Verification
- KYC required. Requires a valid EEA or UK passport/ID and completion of AML/KYC verification via Quicko.
- Officially supported countries and regions
- Compliant residents of the European Economic Area (EEA 30+ countries) and the UK
Payment Compatibility & Issuer Rails
- Card Network & Rails
- Mastercard (virtual debit card supporting Apple Pay and Google Pay)
- Issuer Arrangement / Payment Rails
- Quicko sp. z o.o. & Mastercard. Card BIN is not publicly disclosed; this page does not speculate on specific BINs.
- Apple Pay / Google Pay
- Officially supports pushing the virtual card directly to Apple Wallet for iPhone/Apple Watch contactless payments.
- Overseas AI Subscriptions
- Standard European Mastercard debit BIN supporting 3DS authentication, fully compatible with ChatGPT Plus, Claude Pro, and global SaaS.
Spending Rewards & Cardholder Perks
- Cashback & Reward Rules
- 0% FX on EUR transactions; direct integration with Ledger and MetaMask eliminates intermediary CEX off-ramp friction.
This is a summary of the cited public information, not a complete list of fees or regions and not a guarantee of approval or card access.
Detailed Facts
- Native Hardware & Non-Custodial Wallet Integration
- Deeply integrated into Ledger Live hardware wallets and major Web3 wallets; users sign on-chain approvals to spend while keys remain in their control. [1] [2]
- Accepted by 150 Million Mastercard Merchants Globally
- Backed by Mastercard global payment rails, accepted at international online merchants and contactless POS terminals worldwide. [1]
- Cleared by Licensed EU Financial Institution
- The underlying card program is co-operated by Polish licensed payment institution Quicko and Mastercard, fully aligned with the EU MiCA regulatory framework. [1] [2]
Issuing, mobile wallets and AI subscriptions
- Card network listed in the comparison source
- Mastercard
- Issuer arrangement / BIN
- Quicko sp. z o.o. & Mastercard. Card BIN is not publicly disclosed; this page does not speculate on specific BINs.
- Apple Pay
- ✅ Explicitly stated in official materials: Officially supports pushing the virtual card directly to Apple Wallet for iPhone / Apple Watch offline contactless payments.
- Google Pay
- ✅ Explicitly stated in official materials: Officially supports Google Wallet, compatible with Android mobile NFC tap-to-pay.
- AI subscriptions such as ChatGPT and Claude
- ✅ Explicitly stated in official materials: Genuine European Mastercard debit BIN with 3DS security verification, seamlessly supporting overseas subscriptions like ChatGPT Plus and Claude Pro.
Compatibility information for this card was verified on 2026-10-19 against the sources listed on the card profile; undisclosed items are marked "Not stated officially". Status symbols preserve source statements; "Not stated officially" does not mean unsupported, and community reports do not guarantee stable availability.
See the full comparison of 230 cards · Use BIN & Issuer Inspector
Mobile Apps & Privacy Compliance
Independent verification of mobile client presence, global app store availability, privacy disclosures, and account deletion / data erasure rights.Mobile Clients & Official Download Channels
- Client App
- Mercuryo Widget (web portal: exchange.mercuryo.io); formerly integrated into Ledger Live, MetaMask, and Trust Wallet
- Web Portal Support
- Web Portal / PWA Only — The Spend Card is managed within the Mercuryo Widget (exchange.mercuryo.io, Menu > Spend Card) and embedded into partner wallets including Ledger Live, MetaMask, and Trust Wallet; there is no standalone card app. Following program closure, mercuryo.io/spend has been repurposed as a B2B white-label card issuance page
- Apple App Store
- Card is not hosted in the app store app; the similarly named Mercuryo Bitcoin Cryptowallet (id1446533733, MoneyAmber UAB) is listed across 106 regions as a standalone wallet product
- Google Play
- No Google Play App (com.mercuryo.app delisted)
Data Compliance, Privacy Labels & Account Erasure
- Regulations & Rights
-
Explicit GDPR Compliance
Mercuryo Global Privacy Notice v2.5 (2026-08-27): Data controller is Moneymaple Tech Limited (British Columbia, Canada, operating as Mercuryo), with EEA crypto-asset services provided by Criptan Trade S.L. (a MiCA CASP authorized by Spain's CNMV); explicitly cites GDPR Article 6(1)(c)/(f) as lawful bases; outlines rights to access, rectification, erasure (except for fields required for AML and tax compliance), restriction, objection, portability, consent withdrawal, and lodging complaints with supervisory authorities, with third-party recipients notified of erasure requests where feasible; Spend Card is issued by Paynetics, with card account data processed separately by Paynetics
- Official Privacy Policy
- Official Privacy Policy ↗
- Data Retention
- KYC/AML fields including address and risk scores are retained for at least 5 years and up to 10 years after termination of the business relationship; Help Center notes certain user and transaction data is retained for up to 10 years as required by law, subject to shorter periods depending on country of residence
- App Store Privacy Label
- —
- Google Play Data Safety
- —
- Account Deletion Flow
-
No self-service account closure: Help Center specifies account closure is handled by support, requiring identity verification for verified accounts first; Spend Cards and accounts were systematically closed on 2026-07-11, with remaining balances requiring an email to support@paynetics.digital along with an EU bank account and supporting documentation to claim a refund (account closure fee may apply)
Verified on 2026-10-18. App store availability and privacy disclosures are independently verified from official developer stores and privacy policies; store availability may vary dynamically by region.
A New Paradigm for Non-Custodial Off-Ramping
Unlike traditional centralized exchange (CEX) cards, Mercuryo Spend allows users to maintain full control of their on-chain assets, triggering liquidation only upon actual point-of-sale transactions and eliminating centralized platform default and misappropriation risks. [1] [2]
Fee Structure & Target Audience
Ideal for EEA-based Web3 power users holding long-term stablecoins in hardware wallets; note the €1.60 card issuance fee and €1.00/month basic maintenance fee. [1]
Frequently asked questions
Is Spend by Mercuryo a self-custodial card?
Yes. The card connects directly to the user's self-custodial wallet (such as Ledger Live or MetaMask), keeping assets in the user's on-chain address until a card purchase is made.
Can users in mainland China apply?
Currently not supported. The card is strictly restricted to residents of compliant jurisdictions such as the European Economic Area (EEA) and the UK.
Can Scallop Card be added to Apple Pay?
Yes. Once issued, it can be pushed directly to Apple Pay and Google Pay within the wallet app for offline POS tap-to-pay.
📜 Rules & Fee Changelog History
Continuous Tracking · Historical Evidence BaseCommunity posts
The following public X posts were selected based on whether the original is accessible and how specific the information is. They reflect personal experiences or third-party observations, not official commitments, and do not replace the official sources on this page.
No public post has yet met our criteria for specific experience details and an accessible original link. You can browse public discussion of Spend by Mercuryo on X; search results may change over time.
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