This article guides you on how to spend with the Pionex Card, manage your card, and maintain card security. The main sections covered are:
1. Fund Transfer
2. Online Payments
3. Offline Payments
4. Card Freeze & Unfreeze
5. Spending Limit Management
6. FAQ
Fund Transfer
Since the Pionex Card is a separate account, you need to transfer funds from your main Pionex account to your Card account. To do this:
Open the Pionex App and navigate to the Pionex Card page
Tap “Transfer.”
Enter the amount to transfer or tap “All” to transfer the full balance
Tap “Transfer” again to confirm
Note: Transferring to the Card account is equivalent to a withdrawal operation
Online Payments
Before using the Pionex Card for online purchases, verify that the merchant accepts Visa. To view your card information:
Go to the Pionex Card page
Tap “Card Details”
You will be prompted to enter your Google Authenticator code or unlock via Passkey
After unlocking, you can see the card number, expiration date, and CVC code
Reminder: Keep your card information safe to avoid security risks.
When you input your card information during checkout, the system starts the Pionex Verify payment security verification process to ensure secure transactions. For details, please refer to: What is Security Authentication?
Offline Payments
Pionex has not yet issued a physical card. However, you can link the Pionex Card to major mobile wallets for offline spending:
- Apple Pay
- Google Pay
- Paypal
These wallets support Visa contactless payments at stores like convenience stores, cafés, and department stores. Refer to the Digital Wallet Setup Instructions for linking instructions.
Card Freeze & Unfreeze
If you suspect your card information has been compromised or misused, you can freeze the card immediately within the app:
- Go to the Pionex Card page
- Tap “Management” > “Freeze”
- Select a freeze reason and tap “Confirm”
The latest app version also supports unfreezing the card yourself—no need to contact customer service.
*Merchants may still attempt to initiate charges (e.g., auto-renewals, system retries) even if a card is frozen. Please note that even though the payment fails, constant authorization attempts may still incur failure processing fees due to the repeated order rejects. Please contact the merchants to remove card binding and subscription to avoid this issue.
Spending Limit Management
The latest app version allows you to adjust your card’s spending limits:
Open the Pionex Card page
Go to “Management” > “Card Limit”
Adjust the limits as needed and tap “Submit”
FAQ
Q: Why might a fund transfer fail?
A: Since it is treated as a withdrawal from Pionex primary account, common issues include:
1. Funds being occupied (e.g., in open orders, Earn products, active bots)
2. Fiat deposit T+N restrictions
3. Account Safety, Compliance limitations
Q: What if I don’t receive the SMS code for payment verification?
A: You can switch the payment security verification method to “In-app Authorization”, and future verifications will be received as notifications in the app.
Q: What should I do if my wallet binding shows “Contact card issuing bank”?
A: This usually occurs after multiple failed SMS or email verification attempts, which trigger restrictions from the wallet provider. Please fill out the form below for verification. The relevant team will review and inform you within 3 working days. https://forms.gle/nisLwYya3TWtKnmd9
Q: How do I check if my Pionex Card has been successfully bound to a merchant?
A: You may follow the path below on your Pionex App to check on the binding status. Once approved, the card has been bound to the merchant.
APP: Pionex → More → Pionex Card → Digital Token
Q: Why did wallet binding fail right after applying for the Pionex Card?
A: Some wallets require a small authorization charge to verify the card. It’s recommended to transfer some funds into the Card account before attempting to bind. The transaction history should show the reason for the binding failure.
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