This article guides you on how to spend with the Pionex Card, manage your card, and maintain card security. The main sections covered are:

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:

Step 1: Open the Pionex App and navigate to the [Wallet] → [Card] page.

Step 2: Tap [Deposit] and select [Transfer] from the options.

Step 3: Enter the amount to transfer or tap [All] to transfer the full balance.

Step 4: Tap [Transfer] to process.

Note: You can also tap [Deposit] to fund your Visa card directly via on-chain deposit.

Step 1: Go to the Pionex website and click [Card] → [Personal Card] at the top of the page.

Step 2: On the card page, click [Transfer].

Step 4: Enter the amount to transfer or click [All] to transfer the full balance.

Step 5: Click [OK] to process.

*Note: Transferring to the Card account is equivalent to a withdrawal operation; security verification may be requested.

Auto Transfer is a card funding feature that helps ensure your Pionex Card always has enough balance to make payments. When your Pay Account balance drops below a threshold you set, the system will automatically transfer a specified amount from your linked funding sources — so your card stays ready to use without manual top-ups.

Step 1: Open the Pionex App and navigate to the [Wallet] → [Card] page.

Step 2: Tap [More] and select [Auto Transfer] from the options.

Step 3: Set up the "Auto Transfer Rule Settings" and the "Auto Transfer Deduction Order Settings".

Step 4: Tap [Enable Auto Transfer] and complete the "Security Authentication" process.

Step 1: Go to the Pionex website and click [Card] → [Personal Card] at the top of the page.

Step 2: On the card page, click [Auto Transfer].

Step 3: Set up the "Auto Transfer Rule Settings" and the "Auto Transfer Deduction Order Settings".

Step 4: Tap [Enable Auto Transfer] to complete the process.

Once configured, set your preferred trigger balance and transfer amount. You can also customize the deduction order across multiple funding sources, including your Primary Account and any active Arbitrage products.

Note:
1. Once enabled, the system will automatically transfer the preset amount and debit order (priority).

2. Ensure your funding account has a sufficient balance to avoid transfer failures.

3. If a transfer fails due to insufficient balance or risk control measures, the system will automatically disable the feature and notify you.

If you wish to disable the Auto Transfer function, you can simply click [Disable Auto Transfer] on the Auto Transfer settings page.

Before using the Pionex Card for online purchases, verify that the merchant accepts Visa. To view your card information:

Step 1: Open the Pionex App and navigate to the [Wallet] → [Card] page.

Step 2: Click [Card Details] and select [Card Details] again.

Step 3: Complete the "Security Authentication", and you can see the card number, expiration date, and CVV code.

Step 1: Go to the Pionex website and click [Card] → [Personal Card] at the top of the page.

Step 2: On the card page, click [Card Details].

Step 3: Click the [Card Details] again.

Step 4: Complete the verification.

Step 5: You're able to see the card number, expiration date, and CVV code now.

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?

Pionex has not yet issued a physical card. However, you can link the Pionex Card to major mobile wallets for offline spending.

Example:

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.

If you suspect your card information has been compromised or misused, you can freeze the card immediately within the app:

Step 1: Open the Pionex App and navigate to the [Wallet] → [Card] page.

Step 2: Tap [More] and select [Freeze] from the options.

Step 3: Select a freeze reason and click [Confirm].

Step 1: Go to the Pionex website and click [Card] → [Personal Card] at the top of the page.

Step 2: On the card page, click [Freeze].

Step 3: Select a freeze reason and click [OK].

*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.

Step 1: Open the Pionex App and navigate to the [Wallet] → [Card] page.

Step 2: Tap [Card Limit]

Step 3: Adjust the limits as needed and click [Submit] to proceed.

Step 1: Go to the Pionex website and click [Card] → [Personal Card] at the top of the page.

Step 2: On the card page, tap [More] and select [Card Limit] from the options.

Step 3: Adjust the limits as needed and click [Submit] to proceed.

Note: If you require a higher limit, please contact the Pionex support team to submit a request.

Q: Why might a fund transfer fail?
A: Since it is treated as a withdrawal from the 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: 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: What is the crypto supported in the Pionex Card?
A: The Pionex Card only accepts USDT transfer from the primary account balance.

Q: Will the details of a refunded transaction appear on my monthly statement?

A: Yes, they will. You can view all transaction details, including refunds, by downloading your monthly statement through the app. Please note that Pionex Card transaction details are not included in the CSV transaction history export at this time.

APP: Wallet > Card > Visa > More > Monthly Statement > Select Month > Confirm