> ## Documentation Index
> Fetch the complete documentation index at: https://white.rwanftcards.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Top up - and pay.

> The card takes care of the rest.

## Top-up

<Steps>
  <Step title="Choose the coin and the network">
    In your account, choose the coin and the network - USDT (<Tooltip tip="Blockchain networks - BNB Chain and TRON - accepted for top-up.">BEP-20 or TRC-20</Tooltip>) or USDC (BEP-20) - and get your top-up address.
  </Step>

  <Step title="Send the transfer">
    Send the transfer, and once it is confirmed on the network the funds land on your card - usually within minutes.
  </Step>

  <Step title="Credited to your card">
    The balance is kept in US dollars.
  </Step>
</Steps>

The rules are simple:

<Columns cols={2}>
  <Card title="Minimum top-up">
    **\$20**. Send less and it lands with your next top-up.
  </Card>

  <Card title="Top-up fee">
    **2.8%** on Standard, **2%** on the other tiers.
  </Card>

  <Card title="One coin, one network">
    The address is tied to both the coin and the network.
  </Card>

  <Card title="Crypto only">
    Bank cards and bank transfers are not available.
  </Card>
</Columns>

Soon - top-up with any popular cryptocurrency with auto-conversion to dollars: the timing is on the [Roadmap](/en/roadmap) page.

## Payments

Pay like with any Visa card - online and offline, **175,000,000+** merchant locations worldwide.

<Columns cols={3}>
  <Card title="Apple Pay" icon="apple" />

  <Card title="Google Pay" icon="google" />

  <Card title="PayPal" icon="paypal" />
</Columns>

Add the card to Apple Pay or Google Pay and pay with your phone; PayPal is supported too. Online payments are protected with <Tooltip tip="Online payment confirmation with a code: an extra layer of protection.">3DS</Tooltip>: the confirmation code arrives by email, and the same code is visible in your account - just open the transaction. The balance is in dollars; payments in other currencies go through the payment network's conversion.

## Control

Every transaction is in your account history.

> If a payment is declined - you see the reason, not a guess.

An everyday tip: if subscriptions and auto-charges are tied to the card, keep a buffer on the balance to cover them.

## Cash

Physical Signature and Black cards withdraw up to **\$3,000** per day at ATMs - more on the [Physical Cards](/en/physical-cards) page.