To top up virtual cards with crypto, you send USDT, USDC or ETH to the deposit address shown in the dashboard, and the amount is added to the balance from which your ad cards are paid. The process takes a few minutes of your time, but one wrong field — the network or the address — can cost the whole transfer.
Below are the steps for a Spending Market top-up, how the three currencies differ, how to choose the network, what the top-up costs on each plan and the mistakes that most often cause problems. If you fund by bank transfer instead, SEPA is also available.
Contents
- Which Currencies You Can Use
- Before You Send: Account and Security
- How to Top Up Virtual Cards With Crypto: Step by Step
- Networks and Blockchain Fees
- What a Crypto Top-Up Costs
- Common Mistakes
- Planning Top-Ups for Ad Spend
- Summary
Which Currencies You Can Use
The balance is funded with USDT, USDC, ETH or a SEPA bank transfer. The minimum deposit is $500. All three crypto options work, but they behave differently in practice:
| Currency | What it is | What to keep in mind |
|---|---|---|
| USDT | Stablecoin pegged to the US dollar | Exists on several blockchains; the network must match the deposit instructions |
| USDC | Stablecoin pegged to the US dollar | Also issued on several blockchains; same rule about the network |
| ETH | Native coin of Ethereum, price floats | The value can change between sending and crediting |
Ad budgets are planned in fixed amounts, so most teams use stablecoins. ETH makes sense when that is what you already hold and you accept that the amount credited may differ slightly from what you expected when you sent it.
Before You Send: Account and Security
Registration happens in the dashboard. Turn on two-factor authentication before the first deposit: the dashboard is protected with 2FA, and it is the one thing standing between your balance and anyone who gets your password. Clients pass AML checks, and every transaction is monitored, so send funds from a wallet you control and can explain. Transfers from mixers or from addresses with unclear history can be held for review.
How to Top Up Virtual Cards With Crypto: Step by Step
- Log in to the dashboard and open the balance top-up section.
- Choose the currency: USDT, USDC or ETH.
- Check which blockchain network the deposit address belongs to.
- Copy the address instead of retyping it by hand.
- In your wallet, select the same currency and the same network, paste the address and compare the first and last characters.
- Enter an amount of at least $500 plus enough for the network fee, which your wallet charges on top.
- Send the transfer and keep the transaction hash.
- Wait until the deposit appears in the balance, then issue cards or keep funding the existing ones.
Issuing a card takes about 60 seconds, and linking it to an ad account takes seconds: number, expiry date and CVV go into the billing section of the platform.
Networks and Blockchain Fees
USDT and USDC are issued on several blockchains, and the same token on different networks is not interchangeable at the address level. If the dashboard shows an address on one network and your wallet sends on another, the funds may not arrive and recovering them is difficult or impossible. This is the most expensive mistake in crypto top-ups, and it is entirely on the sender’s side.
The network fee is paid to the blockchain, not to us, and it depends on the network and on how busy it is at the moment. Your wallet shows it before you confirm. Confirmation time also depends on the network, so do not plan a launch around the exact minute the deposit lands — top up before the balance runs low.
What a Crypto Top-Up Costs
The top-up commission depends on the plan: 3.5% on Base, 2.5% on Mid and 1.7% on VIP. Transactions on cards and withdrawals are 0%. Example for a top-up equal to €5,000:
- Base: 3.5% of €5,000 = €175;
- Mid: 2.5% of €5,000 = €125;
- VIP: 1.7% of €5,000 = €85.
Over a month with four such top-ups, the difference between Base and Mid is 4 × €50 = €200, and between Mid and VIP 4 × €40 = €160. The network fee is added by your wallet separately. A full breakdown of plans and card fees is in Cards for Traffic Arbitrage | No Hidden Fees.
Common Mistakes
- Wrong network. The token is right, the network is not. Always compare the network name in the wallet with the one in the dashboard.
- Amount below the minimum. The minimum deposit is $500; the network fee comes on top, so send slightly more if the wallet deducts the fee from the amount.
- Retyped address. One wrong character sends funds to someone else. Copy and paste only.
- Top-up at the last moment. If the balance runs out, ad platforms decline the next charge and delivery stops. Why this happens is explained in Why Ad Payments Fail and How to Fix It.
- ETH for a fixed budget. If you need an exact amount on the balance, use a stablecoin.
Planning Top-Ups for Ad Spend
Keep a buffer on the balance that covers at least the next payment thresholds of all active ad accounts. Top up in larger, less frequent amounts rather than many small ones: the commission is a percentage, but each transfer adds its own network fee. How to grow spend without payment interruptions is covered in How to Scale Ad Spend Using Virtual Cards, and what to ask any provider about funding methods is in How to Choose a Virtual Card Provider: 7 Questions to Ask Before You Sign Up.
Summary
To top up virtual cards with crypto, choose USDT, USDC or ETH in the dashboard, match the network exactly, copy the address, send at least $500 plus the network fee and keep the transaction hash. Stablecoins suit fixed budgets, and a buffer on the balance keeps campaigns running while a transfer confirms. Cards funded this way work on Facebook Ads, Google Ads and TikTok Ads.