ZEPAY / FAQ / How to Top Up a Virtual Card with USDT
How to Top Up a Virtual Card with USDT
Understand the top-up form, fee calculation and payment status after your card has been issued.
Updated November 1, 2026
Quick answer
Select your card, network and amount in Top up. Review all charges before a live transfer.
Check your account for current availability before sending any funds.
1. Open Top up
Log in and choose Top up in the account menu. Select the card and enter the amount you want credited. Issuance and funding are separate operations. The top-up fee is shown separately from card credit; the fee calculator shows the current calculation.
2. Check network availability
When live top-ups are available, use USDT on Ethereum (ERC-20). The network and token in the payment instructions must match the ones in your sending wallet. Wait until your account displays the destination and amount for this order.
3. Review the payment instructions
Your total includes card credit, the 3% service fee and a separate route fee. Under the current tariff the route fee is the greater of 4 USDT and the estimated additional costs with a reserve. Your sending wallet or exchange may also charge a sending or withdrawal fee.
Review the full USDT amount, expiry and expected card credit in your account. Refresh an expired quote before paying.
4. Understand the status
Open Transactions and filter by one of four statuses:
- Awaiting payment: payment has not been confirmed as received.
- In progress: a transfer is detected, confirming or being reviewed; the operation is not complete.
- Completed: the provider has confirmed the intended operation, such as crediting the card.
- Declined: the operation was rejected or failed.
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