> For the complete documentation index, see [llms.txt](https://bxpay.gitbook.io/bxpay/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://bxpay.gitbook.io/bxpay/faqs/cards-and-transactions.md).

# Cards & Transactions

### Can I deposit cash directly?

No, you cannot deposit physical cash into BXpay. Only crypto-to-fiat top-ups are supported.

That means:

* You can’t go to an ATM, insert bills, and have the money show up in your BXpay account
* You can’t deposit cash at a bank and have it reflect directly in your BXpay wallet

***

### What should you do if withdrawing cash isn’t an option?

1. Hold funds in your **local bank or your international account through licensed partners** 🏦
2. Use that money to **purchase crypto on an exchange**
3. Send the crypto to your **BXpay wallet**
4. Transfer it to your BXPay card for spending

***

### How do I deposit crypto into my account?

Depositing crypto into your BXpay card is a **two-step process:**

#### **Step 1: External Wallet → BXpay Platform Account**

Transfer funds from your personal crypto wallet to your BXpay account.

**How to deposit:**

1. Go to **“Deposit”** in your BXpay dashboard
2. Copy the **wallet address** (or scan the QR code)
3. Select the **correct blockchain network** (e.g., Ethereum, BNB Chain)\
   ⚠️ Choosing the wrong network may result in lost funds
4. Send your crypto from your wallet → *Funds are typically credited after network confirmation times, which may vary*

#### **Step 2: BXpay Platform Account → Card Account**

Once your crypto is in your BXpay account, transfer it to your **Virtual or Physical Card**.

**How to transfer:**

1. Go to **“Transfer”**
2. Select your **destination account** (Virtual Card or Physical Card)
3. Enter the amount → confirm 

{% hint style="info" %}
💡 **Virtual Card top-ups are usually processed quickly**, depending on system and network conditions.\
💡 **Physical Card top-ups may require additional processing time** due to verification and settlement procedures through financial partners.
{% endhint %}

***

### How long do transfers take?

Transfer times may vary depending on the type of transaction:

* **Crypto → Crypto**: Typically processed quickly after network confirmation.
* **Fiat → Fiat (BXpay accounts)**: Internal fiat-equivalent transfers are processed during standard operating hours.
* **Fiat → Crypto**: Processed during banking hours.
* **Crypto → Fiat**: Typically processed quickly after network confirmation.
* **Fiat Deposits/Withdrawals (External Bank Accounts)**: Typically 3–5 business days, depending on the receiving bank and regulatory checks.

💡 **Tip:** Crypto transfers are usually faster, while fiat-related transactions may depend on traditional banking hours and external bank processing times.

***

### How is the card’s currency exchange rate determined?

BXPay Cards use **exchange rates referenced to the Visa® foreign exchange calculator**.

👉 To check the most up-to-date rates, visit the official [**Visa® foreign exchange calculator**](https://www.visa.com.ph/support/consumer/travel-support/exchange-rate-calculator.html)

💡 **Tip:** Network or processing fees may apply depending on your transaction type.

***

### How are disputes handled?

BXPay follows **established card-network chargeback procedures**, applied through our financial partners.

This means:

* You can file a dispute via BXPay Support
* Standard card-network rules apply
* Your case will be reviewed, and funds may be returned **if eligible**

💡 Keep receipts, transaction IDs, invoices, or merchant chats — they help with dispute review.


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://bxpay.gitbook.io/bxpay/faqs/cards-and-transactions.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.