Top up a card

Top-up overview

Card top-up adds available balance to a specific card. After a successful top-up, the card balance increases and can be used for online spending that complies with product rules and card network acceptance.

In this document, card top-up refers to transferring funds from the merchant’s issuing funding account to the card balance. It does not mean funding the card directly through an external bank card.

Fund transfer direction

Funds move from the merchant’s currency account to the card balance.

Merchant currency account -- top-up --> Card balance

Before topping up, make sure the issuing funding account has enough available balance. If the account balance is insufficient, the top-up may fail.

Before topping up

Before initiating a card top-up, confirm that:

• The card status supports continued use
• The issuing funding account has enough available balance
• The top-up amount matches the business budget and product rules
• The top-up currency matches the card settlement currency
• The card balance after the top-up matches the intended card usage plan

Top-up operation

Card top-up can usually be initiated through the Dashboard. The actual entry point and available capabilities depend on the Dashboard display.

Through the Dashboard:

1. Go to the card details page
2. Click “Top up”
3. Enter the top-up amount
4. Confirm the top-up

Top-up result

After a successful top-up, the available card balance increases. Merchants can usually view the following on the card details page:

• Updated balance
• Basic card information
• Top-up records or recent balance movements

If the Dashboard displays corresponding balance movement records, the top-up result is usually reflected in later fund movement records. The actual display method depends on page capabilities.

Operation limits

• The top-up amount must be positive
• If the account available balance is insufficient, the top-up may fail
• Terminated, expired, or unsupported cards cannot continue to be topped up
• Top-up arrival time and result status depend on the actual processing result
• Plan top-up amounts based on actual card usage and avoid allocating excessive balance to a single card at one time
• If page display, arrival time, or field names differ, follow the actual Dashboard capabilities