Spending and Transactions

Creating Credit

Credit can be created by sending funds to the card contract using the top-up option on the home screen or card menu

To top-up, follow the steps below–

Using the top-up option–

1. Click on top-up on either the card frame on the home page or open the menu from the card section and tap on Top up.

2. You will be prompted to select from a list of available tokens for top-up

3. Enter the value for the top-up and review

4. Slide to Top up your card balance.

Card top-ups are instant but it can take up to 2 minutes to show up in the spending balance.

We charge no fees for topping up the credit card. For EVM L2s, there are no associated gas costs either.

Minimum top-up amount is $1 USD. There is no minimum withdrawal amount

The card contracts only accept USDC for credit creation but we allow users to use any token for top-up. Using our integration with Relay, we auto-swap your tokens in the background and top-up the card for you.

Removing Credit

Credit can we removed from the card in two ways as well. You can either withdraw to the main wallet or send to an external wallet.

To withdraw to your Avici wallet–

1. Go to card section and open the menu and select Withdraw Balance

2. Select your funds from the list of networks and funds balances

3. Enter value and continue as above

Spending using the card

Virtual Cards

Avici cards are just like any other credit card, hence they can be used online or added to Apple or Google pay for tap-to-pay payments.

To add to Apple/Google Pay follow the steps below–

For Google Pay (GPay):

1. Open Avici, tap Card Details, and copy the card number, valid-through date, and CVV.

2. Open Google Pay, go to Payment Methods, tap Add a Card, and enter the copied details.

3. Verify the card with the OTP sent to your registered phone number or email, and it’s ready to use.

For Apple Pay:

1. Open Avici, tap Card Details, and copy the card number, valid-through date, and CVV.

2. Open the Wallet app, tap +, select Debit or Credit Card, and enter the copied details.

3. Verify the card with the OTP sent to your registered phone number or email, and it’s ready to use.

You can also directly add the details on any merchant website that accepts Visa international cards and use it to make purchases.

Physical cards

Physical cards can be used to spend in person using swipe, insert or tap to pay features.

These cards can also be used for ATM transactions.

Avici physical cards are made using white polyvinyl plastic – durable and built for daily use.

Metal cards are in the pipeline and will be launched soon.

Refunds

Refunds to the card are processed automatically in up to 5 business days.

Sometimes however, refunds might take longer, in that case contact the merchant for an RRN number.

Refunds sent to the card cannot be withdrawn to the wallet and can only be spent.

This RRN number can be used by our card partners to track and credit your refunds. Contact Support for assistance with refunds.

Note: All cards, virtual or physical share the same spending balance. Users can however set individual limits for each card.