{"article":{"id":12916060053775,"url":"https://mantle-81315.zendesk.com/api/v2/help_center/en-us/articles/12916060053775.json","html_url":"https://support.ur.app/hc/en-us/articles/12916060053775-UR-Mastercard-Debit-Card","author_id":13264903711503,"comments_disabled":true,"draft":false,"promoted":false,"position":3,"vote_sum":2,"vote_count":2,"section_id":16773115739151,"created_at":"2025-06-05T21:25:24Z","updated_at":"2026-08-03T06:43:52Z","name":"UR Mastercard Debit Card","title":"UR Mastercard Debit Card","source_locale":"en-us","locale":"en-us","outdated":false,"outdated_locales":[],"edited_at":"2026-08-03T06:43:52Z","user_segment_id":null,"permission_group_id":12852235552271,"content_tag_ids":["01JX0ZQJSC2KR777H5CK82WZ7Y"],"label_names":["Debit Card"],"body":"
The UR Mastercard Debit Card is a virtual multicurrency debit card that allows you to make secure purchases online and in-store using your available balances. Add your card to supported digital wallets, including Apple Pay, Google Pay, and Alipay, for convenient contactless payments. Purchases are automatically settled using your enabled payment currencies, with built-in foreign exchange (FX) conversion when needed. You can also choose to pay directly using your available USDe balance, giving you greater flexibility over how you spend.

 

UR Mastercard Debit Card Features

\n \n \n \n \n \n\n \n \n \n \n\n \n \n \n \n\n \n \n \n \n \n
\n Multicurrency Support\n \n Make purchases using supported fiat currencies from a single debit\n card, without the need to switch between cards or accounts.\n
\n Pay with Digital Assets\n \n Use your available USDe balance to pay for eligible\n purchases directly with your UR Mastercard Debit Card.\n
\n Virtual-only Card\n \n Start spending immediately with a virtual Mastercard Debit Card,\n ready to use for online purchases and supported digital wallets.\n
\n Built-in FX Function\n \n When you make a purchase in a different currency, UR automatically\n converts your available balance using the applicable exchange rate\n at the time of the transaction.\n

 

Card Limits

\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
\n Limits\n \n Refresh\n \n Basic\n \n Pro\n
\n Card Spending\n \n Daily\n \n EUR 2,000\n \n EUR 10,000\n
\n Monthly\n \n EUR 5,000\n \n EUR 20,000\n
\n Total Account Limit*\n \n Monthly\n \n CHF 30,000\n \n CHF 30,000\n
\n
\n
\n The Total Account Limit is the combined transaction\n limit that applies to all activities on your UR account, including\n deposits, withdrawals, FX conversions, and card spending.\n
\n

 

Card Spending Priority Rules and Fees

When you make a purchase with your UR Mastercard Debit Card, UR automatically determines which available balance to use based on your enabled payment currencies and the card spending rules described below.

\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
\n Purchases in Supported Currencies\n \n Purchases in Unsupported Currencies\n
\n 1.\n \n UR first uses your available balance in the same currency as\n the purchase.\n \n 1.\n \n UR first uses your available EUR balance.\n
\n 2.\n \n If that balance is insufficient, UR uses your available USD balance.\n \n 2.\n \n If your EUR balance is insufficient, UR uses your available USD\n balance.\n
\n 3.\n \n If your USD balance is also insufficient, UR uses the enabled\n payment currency with the highest available balance.\n \n 3.\n \n If your USD balance is also insufficient, UR uses the enabled\n payment currency with the highest available balance.\n
\n
\n\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
\n FX Fees\n \n Explanations\n
\n No Fee\n \n Your purchase is made in a supported currency, and\n you have a sufficient available balance in that same currency. The\n payment is deducted directly from that balance with\n no FX fee.\n
\n 1%\n \n You make a purchase in a supported currency, but\n your balance in that currency is insufficient and UR uses another\n available payment currency.\n
\n You make a purchase in an unsupported currency,\n and\n the payment is settled using your EUR balance.\n
\n 2%\n \n Your purchase is made in an unsupported currency,\n your EUR balance is insufficient, and UR settles\n the\n payment using another available payment currency.\n

 

Card Spending Examples

\n
\n \n Scenario 1: Purchase Settled in the Same Currency\n \n
\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
Purchase AmountEUR 100
Enabled CurrencyEUR / USD / CNH
Account BalancesEUR 100, USD 500, CNH 1,000
Payment Outcome\n The purchase is deducted directly from your EUR balance.\n No FX fee applies.\n
\n
\n
\n
\n
\n \n Scenario 2: Purchase Settled Using USD\n \n
\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
Purchase AmountEUR 200
Enabled CurrencyEUR / USD / CNH
Account BalancesEUR 100, USD 500, CNH 1,000
Payment Outcome\n Your EUR balance is insufficient to cover the purchase.\n UR uses your USD balance to complete the transaction.\n A 1% FX fee applies.\n
\n
\n
\n
\n
\n \n Scenario 3: Purchase Settled Using the Highest Available Enabled Currency\n \n
\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
Purchase AmountEUR 200
Enabled CurrencyCNH
Account BalancesEUR 100, USD 0, CNH 1,000
Payment Outcome\n Your EUR and USD balances are unavailable or insufficient.\n UR uses your CNH balance to complete the transaction.\n A 1% FX fee applies.\n
\n
\n
\n
\n
\n \n Scenario 4: Unsupported Currency Settled Using EUR\n \n
\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
Purchase AmountAUD 100
Enabled CurrencyEUR / USD / CNH
Account BalancesEUR 100, USD 500, CNH 1,000
Payment Outcome\n AUD is not a supported payment currency. UR uses your\n EUR balance to complete the transaction. A 1% FX fee\n applies.\n
\n
\n
\n
\n
\n \n Scenario 5: Unsupported Currency Settled Using USD\n \n
\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
Purchase AmountAUD 500
Enabled CurrencyEUR / USD / CNH
Account BalancesEUR 100, USD 500, CNH 1,000
Payment Outcome\n AUD is not a supported payment currency, and your EUR\n balance is insufficient. UR uses your USD balance to\n complete the transaction. A 2% FX fee applies.\n
\n
\n
\n
\n
\n \n Scenario 6: Unsupported Currency Settled Using the Highest Available\n Enabled Currency\n \n
\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
Purchase AmountAUD 500
Enabled CurrencyEUR / USD / CNH
Account BalancesEUR 100, USD 0, CNH 1,000
Payment Outcome\n AUD is not a supported payment currency, and your EUR\n and USD balances are insufficient. UR uses your CNH balance\n to complete the transaction. A 2% FX fee applies.\n
\n
\n
\n
\n
\n \n Scenario 7: Transaction Declined Due to Insufficient Balance\n \n
\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
Purchase AmountAUD 1,000
Enabled CurrencyEUR / USD / CNH
Account BalancesEUR 100, USD 0, CNH 1,000
Payment Outcome\n None of your enabled payment currencies has a sufficient\n available balance to cover the purchase. The transaction\n is declined.\n
\n
\n
\n

 

Paying with USDe

You can use your available USDe balance to pay for eligible purchases with your UR Mastercard® Debit Card. This feature is enabled through UR's integration with Ethena, allowing you to spend USDe without manually converting it before making a purchase.

To enable USDe for card spending, make sure both USD and USDe are configured as Enabled Currency in your card settings. During card authorization, UR first attempts to fund the purchase using your available USD balance. If your USD balance is insufficient, UR automatically uses your available USDe balance.

Card payments funded by USDe are converted using the prevailing USDe/USDC market rate sourced from major centralized exchanges. To help protect users from abnormal market pricing, the conversion rate is capped at a maximum of 1 USDe = 1 USD.

\n
\n

\n USDe is a digital asset whose market value may fluctuate.\n

\n

\n If the exchange rate deviates beyond an acceptable threshold, UR may\n temporarily suspend card spending funded by USDe until market conditions\n stabilize.\n

\n
\n

 

Restricted Transactions

UR enables you to pay and spend globally with your UR Mastercard Debit Card. However, transactions with certain merchant types will be automatically declined to help protect your account and ensure compliance with financial regulations.

Additionally, any transactions originating from Restricted Payment Countries will be automatically rejected, regardless of merchant type. This policy is part of UR's compliance and risk management measures, designed to safeguard your account and provide a secure payment experience.

\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \n
\n Restricted Merchant Types\n
\n Automated Fuel Dispensers\n \n Charity Organizations\n \n Civic, Social or Fraternal Associations\n
\n Customer Financial Institutions\n \n Gambling, Lottery or Casino\n \n Money Transfer Businesses\n
\n Political Organizations\n \n Public Transportation\n \n Quasi Cash\n
\n Religious Organizations\n \n Security Broker or Dealer\n \n Utilities\n

 

Refunds

When a merchant approves your refund, UR processes the refund based on the original purchase currency and the applicable refund rules below.

\n \n \n \n \n \n \n \n\n \n \n \n \n \n\n \n \n \n \n \n \n
\n Currency\n \n Refund Rule\n \n Example\n
\n Supported Currency\n \n If your purchase was made in a supported payment currency, the refund\n will be credited in the same currency as the original purchase.\n \n You made a purchase in HKD. Once the refund is processed, the refunded\n amount will be credited in HKD.\n
\n Unsupported Currency\n \n If your purchase was made in an unsupported currency, the refund will\n be credited in your preferred refund currency.\n \n You made a purchase in GBP, and your preferred refund currency is CNH.\n Once the refund is processed, the refunded amount will be credited in\n CNH.\n
\n
\n\n
\n
\n \n
\n

 

Unauthorized and Disputed Transactions

If you notice a card transaction that you do not recognize, follow the steps below:

    \n

  1. Review the transaction details: Check the merchant name and transaction details carefully. Some merchants may appear under their registered business name or parent company, which may differ from the brand name you recognize.

    2. \n

  2. Contact the merchant: If you recognize the purchase but believe there is an issue (e.g. incorrect amount, duplicate charges, incorrect currency), contact the merchant first.

    3. \n
  3. \n

    Contact UR Support to raise a dispute: If you are unable to resolve the issue with the merchant, contact UR Support to initiate a card transaction dispute. To help us investigate your case, please provide:

    \n\n
    4. \n

  4. Report unauthorized transactions immediately: If you believe the transaction was not authorized by you, freeze your UR Mastercard Debit Card immediately and contact UR Support as soon as possible.

    5. \n

 

FAQ — UR Mastercard Debit Card

\n
\n \n How do I activate my UR Mastercard Debit Card?\n \n
\n

\n Before you can activate your UR Mastercard Debit Card, please ensure\n that:\n

\n
    \n
  • \n Your UR account has been successfully verified (KYC completed).\n
    • \n
  • \n You have deposited at least EUR 1 or\n CHF 1 into your UR account.\n
    • \n
\n

\n Once these requirements have been met:\n

\n
    \n
  1. Sign in to your UR account through the UR App or UR Web.
    2. \n
  2. \n Go to the Card section.\n
    3. \n
  3. \n Select Activate Card.\n
    4. \n
  4. \n Follow the on-screen instructions to complete the activation\n process.\n
    5. \n
\n

\n Once activated, your UR Mastercard Debit Card will be ready for online\n purchases, in-store payments through supported digital wallets, and\n other eligible card transactions.\n

\n
\n
\n
\n
\n \n One-Time Password (OTP) for Online Purchases\n \n
\n

\n UR uses the 3-D Secure (3DS) protocol to help protect\n your online payments. For certain transactions, you may be asked\n to\n enter a one-time password (OTP) sent to your registered email address.\n

\n

\n This additional verification is part of the European Union's\n Strong Customer Authentication (SCA) requirements\n under PSD2, helping ensure your online purchases remain secure.\n

\n
\n
\n
\n
\n \n Can I request a physical card?\n \n
\n

\n No. The UR Mastercard Debit Card is available as a\n virtual card only. This helps improve security because\n the card cannot be lost, stolen, or skimmed. You can continue to\n use\n your UR Card for online purchases and in-store payments through\n supported mobile wallets wherever Mastercard is accepted.\n

\n
\n
\n
\n
\n \n How long is my UR Mastercard Debit Card valid, and how is it renewed?\n \n
\n

\n All UR Mastercard Debit Cards are valid for\n five (5) years from the date of activation.\n Renewal rules are as follows:\n

\n
    \n
  • \n If your card has been used at least once during the\n six (6) months before it expires, your card\n will be\n automatically renewed under the same terms.\n
    • \n
  • \n If your card hasn't been used during that period, it won't renew\n automatically. You will need to manually reactivate your card\n after\n it expires.\n
    • \n
\n
\n
\n
\n
\n \n Can I request higher card limits?\n \n
\n

\n Card spending limits depend on your membership tier. Refer to the\n Card Spending Limits section for the applicable\n limits.\n

\n

\n Please note that these limits are fixed and cannot be increased for\n individual cards.\n

\n
\n
\n
\n
\n \n Why was my card transaction unsuccessful?\n \n
\n

\n Your card transaction may be declined for one of the following common\n reasons:\n

\n
    \n
  • Your card balance is insufficient.
    • \n
  • Your card is frozen or has expired.
    • \n
  • You've reached the daily or monthly spending limit.
    • \n
  • \n The card information entered is incorrect (for online purchases).\n
    • \n
  • \n The transaction's currency is not enabled under Enabled Currencies.\n
    • \n
  • The transaction involves a restricted merchant type.
    • \n
  • The payment is linked to a restricted country.
    • \n
  • The transaction was declined by the merchant.
    • \n
\n

\n If your transaction was declined directly by the merchant and no\n record\n appears in your Transaction History, it means the merchant rejected\n the\n payment before it reached UR. Unfortunately, UR doesn't receive the\n reason for the decline.\n

\n

\n In this case, we recommend trying the payment again, completing your\n purchase with another merchant, or contacting the merchant directly\n for\n more information.\n

\n
\n
\n
\n
\n \n Can I withdraw cash from an ATM?\n \n
\n

\n No. ATM cash withdrawals aren't supported because virtual cards don't\n have the physical chip or magnetic stripe required for ATM access.\n

\n
\n
\n

For your security: UR will only contact you from official @ur.app email addresses or through in-app notifications. We will never ask for your password, private keys, or any sensitive credentials via email. If you receive a suspicious message claiming to be from UR, please do not respond and contact our support team immediately.

"}}