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Your My Mercury Card MasterCard™

Can I obtain a My Mercury Card MasterCard™ without getting a My Mercury Card Virtual MasterCard™?
Yes, you can obtain the My Mercury Card MasterCard™ without getting a My Mercury Card Virtual MasterCard™; however, the Virtual MasterCard™ is a great way to instantly begin using your My Mercury Card Account by making secure purchases online.
What are the differences between the My Mercury Card Virtual MasterCard™ and the My Mercury Card MasterCard™?
The My Mercury Card Virtual MasterCard™ is exclusively for online use and is accepted at Internet Merchant websites that accept MasterCard™. The My Mercury Card MasterCard™ is may be used both online and in the physical world and is accepted at MasterCard™ Merchant locations worldwide that have electronic payment terminals and at ATMs around the globe that display the MasterCard™, Cirrus and Maestro logos.
What is the number on the back of my Physical MasterCard™?
The number located on the signature line of your My Mercury Card MasterCard™ is the CVC2 number. This is primarily used for online purchases to verify that you are in possession of the MasterCard™. This is not the PIN Code used to withdrawal funds from and ATM or for in-person purchases at merchants. Please see the FAQ post about how to retrieve or set your PIN Code for additional information on this topic.
I have a My Mercury Card Physical MasterCard™ but I am only able to transfer funds to it in USD. I want to transfer EUR instead. What do I do?
In order to transfer funds to your My Mercury Card Physical MasterCard™ in EUR, you must transfer them from a EUR Account/e-Wallet. If you currently only have an Account in USD, you will need to purchase a EUR Account.

To purchase a EUR Account:
  • Log into your Online My Mercury Card Account
  • Navigate to "My Accounts"
  • Click on the link "Create New Account"
  • Select the desired currency from the dropdown menu
  • Click the "Confirm" button
  • You will be required to enter a Key Code
Once you have purchased a EUR Account, you can transfer funds from your USD Account to your EUR Account, at which point you will be able to transfer funds from your EUR Account to the My Mercury Card Physical MasterCard™.
I am trying to activate my new My Mercury Card MasterCard™. I have entered the Card Number, CVV and Email address, but when I got to the page to enter my Key Code, no Code Reference is generated. What do I do?
We are aware of this issue and we are diligently working to resolve the matter. If this happens to you when you are attempting to activate your My Mercury Card MasterCard™, please log off your My Mercury Card Account, wait a few minutes, then attempt the activation process again. We apologise for any inconvenience this may have caused.
How do I activate my My Mercury Card Physical MasterCard™?
There are two ways to activate your new My Mercury Card Physical MasterCard™

Method One:
  • Go to www.mymercurycard.com
  • Click on the “Login” link in the top right-hand section of the page.
  • Select the green button labeled “Activate New Card”
  • Complete all the required fields and click “Activate Card”.
Method Two:
  • Go to www.mymercurycard.com
  • Log into your online My Mercury Card Account with your UserID, Password and Key Code Card.
  • One the Home Page click the text in the middle of the page “Activated Your Card Here”.
  • Enter all the required fields, provide the appropriate Key Code, and click “Activate Card”.
I have both a USD and EUR Account. I recently received my My Mercury Card MasterCard™ and it will not allow me to move EUR to the card.
To assign the EUR Account to the My Mercury Card MasterCard™ to allow EUR to be transferred to the MasterCard™:
  • Log into your Online My Mercury Card Account
  • Navigate to "My Cards"
  • Select the card's link
  • At the bottom of the page, there will be a section indicating which Accounts are linked to the MasterCard™.
  • If all Accounts are linked to the MasterCard™, you should be able to transfer EUR or USD to the MasterCard™.
  • If all the Accounts are NOT linked to the card, there will be an option to "Assign" the Accounts to the MasterCard™.
I tried to activate my card, but was informed that the card could not be activated and to contact Customer Support.
We are aware of this issue and are working to resolve the matter. If you receive this error your MasterCard™ is in fact activated. We apologise for any confusion this has caused.
I have now Activated my My Mercury Card MasterCard™, how do I get my PIN Code?
To get your My Mercury Card MasterCard™ PIN Code
  • Login to your My Mercury Card Account
  • Navigate to "My Cards"
  • Select The Card's Link
  • In the Card page, there will be an option to retrieve you PIN Code
  • The PIN Code will be sent in a Message to your My Mercury Card Message Centre
Alternatively, within this page there is an option to create one of your choice
How long does it take for my card to be delivered?
After your MasterCard™ has been issued, the Standard delivery might take up to 6 weeks time depending on your address. Card delivery to United Kingdom residents takes up to 2 weeks and up to 4 weeks to other countries in European Union. Worldwide shipping takes up to 6 weeks.

If you choose Express Shipping option, your MasterCard™ will be processed and delivered within 5 business days, additional fees for Express Shipping are applied.

My Mercury Card ewallet

What is the My Mercury Card eWallet?
My Mercury Card eWallet enables Account Holders to transfer funds to a secure location instead of storing them on the My Mercury Card MasterCard™. Whenever funds are transferred to your eWallet, they may not be spent via your My Mercury Card MasterCard™ or Virtual MasterCard™. This will keep your funds safe if your My Mercury Card Virtual MasterCard™ Account Number is compromised or your My Mercury Card MasterCard™ is lost, stolen or copied.

When funds are stored in your My Mercury Card eWallet, you may continue to utilize most of My Mercury Card's products and services as you normally would. However, if you want to use any of My Mercury Card's MasterCard™ branded products; you will be required to manually transfer funds from your eWallet to the My Mercury Card MasterCard™ or My Mercury Card Virtual MasterCard™.

For example, if you wish to use your My Mercury Card MasterCard™ or My Mercury Card Virtual MasterCard™ to purchase something where MasterCard™ is accepted online, or if you want to use your My Mercury Card MasterCard™ to withdraw funds from an ATM, you must remember to transfer funds to the respective card first.

When your eWallet is activated, you will be able to log into your My Mercury Card Account at any time to manage where your funds are stored by clicking on the "Transfer Money" tab. You may transfer funds to and from your eWallet at any time. You may also automate the movement of funds received or loaded to your eWallet or to your My Mercury Card MasterCard™ or Virtual MasterCard™.

Renewal and annual fees

Are renewal or annual fees deducted from my My Mercury Card Account?
Renewal or annual fees will be deducted from your My Mercury Card eWallet. If you do not have sufficient funds in your My Mercury Card eWallet to cover these fees, My Mercury Card will attempt to debit your My Mercury Card MasterCard™ or Virtual MasterCard™ for the outstanding balance. If My Mercury Card cannot collect the fees owed from your My Mercury Card Account, the fees will be assessed the next time funds are loaded or transferred into your My Mercury Card Account.

Using My Mercury Card MasterCard™s

Where can I use my My Mercury Card MasterCard™?
You can use your My Mercury Card MasterCard™ at most Merchants displaying the MasterCard™ logo and at ATMs displaying the MasterCard™, Cirrus and Maestro logos.
Do I always need to enter my PIN when using my My Mercury Card MasterCard™?
No, you will be able to sign for a purchase without having to enter your PIN number at merchants that do not participate in the PIN and Chip Program. Please guard your My Mercury Card MasterCard™ carefully since it may be used without a PIN. Some merchants, like fast food restaurants, will not require you to sign for your purchase. These purchases are just as valid as if you had signed the transaction receipt.

CVC2 questions

What is the CVC2?
The CVC2 is a three-digit security code that is printed on the back of most credit and debit cards. The number appears in reverse italic on the right-hand side of the signature panel or in a separate white box near the signature panel. The CVC2 number is used to validate that a genuine card is being used during a transaction.
Where can I find my My Mercury Card Virtual MasterCard™ CVC2?
Log into your My Mercury Card Account, navigate to "My Cards". Select the Virtual MasterCard™ you would like to view. Within this page is a link titled "Show Card Data". This will allow you to view the Virtual MasterCard™'s number and CVC2 in there entirety.
Do my My Mercury Card MasterCard™ and Virtual MasterCard™ have the same CVC2?
No, the My Mercury Card MasterCard™ and Virtual MasterCard™ each have different numbers and CVC2 information.

General questions

How do I change my UserID?
For security reasons, the UserID chosen, or assigned by your Sponsor, at the time of Account Creation cannot be changed. Please take this into consideration when choosing a UserID for your Account.
How to I use the Key Code Card?
My Mercury Card participates in a two-part authentication for enhanced Account security. The first step is your password. The second is the Key Code Card. Every Account Holder has a unique set of 120 codes composed of alphanumeric combinations formatted a number 1-120 followed by a set of two letters A-Z.

When you first sign up for your My Mercury Card Account, you will receive an email to your registered email address on file with an attached document, which is your own personal Key Code Card. Each code on this card can only be used once and is completely dedicated to your Account and your Account alone. Once you have used 110 codes, My Mercury Card will send a new email containing a new set of codes.

It is important to look at both the numbers and letters on the requested code reference, especially when one of the cards is near depletion. If you try to use a code from an old card, you will get an “Invalid Key Code provided” error. In addition, it is important to make sure there are no spaces before or after the entered code in the Key Code field, for example if the code is copy and pasted from the Key Code Card. This will also produce an error.

Why do I get the error "Invalid Key Code Provided"?
It is important to look at both the numbers and letters on the requested code reference, especially when one of the cards is near depletion. If you try to use a code from an old card, you will get an “Invalid Key Code Provided” error. In addition, it is important to make sure there are no spaces before or after the entered code in the Key Code field, for example if the code is copy and pasted from the Key Code Card. This will also produce an error.
How do I close my My Mercury Card Account?
If there are funds on the Account Before We close your My Mercury Card Account, please make sure to deplete the remaining balance first. You may use a My Mercury Card Virtual MasterCard™ to make online purchases.

You may also use your My Mercury Card Physical MasterCard™ to make both online and store purchases and cash withdrawals at ATMs worldwide. If you wish to purchase an My Mercury Card Physical MasterCard™, please visit our website, www.mymercurycard.com for detailed instructions and for information on other withdrawal options available to you.

Once you have depleted the remaining balance, log into your online My Mercury Card Account, go to the Message Center and send a message to My Mercury Card Support with "Request to Close my Account" as the subject line. Enter a brief statement in the message field confirming that you wish to close your Account. Please note that My Mercury Card will be unable to close your Account without receipt of this confirmation message.

If there are no funds on the Account Before We close your My Mercury Card Account, please log into your online My Mercury Card Account, go to the Message Center and send a message to My Mercury Card Support with "Request to Close my Account" as the subject line. Enter a brief statement in the message field confirming that you wish to close your Account. Please note that My Mercury Card will be unable to close your Account without receipt of this confirmation message.

Accounts that are closed cannot be reopened.

I will not be using my My Mercury Card Account for the next couple of months; can I suspend my Account?
My Mercury Card does not suspend Accounts. You may either close your Account or continue to keep your Account open. Please note, some Account Programs may incur a charge if they are inactive.

How do I use Mobile Banking services?
My Mercury Card now offer Mobile Banking services to customers who do not have direct access to their My Mercury Card Account information. Mobile Banking is available 24/7 and allows you to receive SMS Notifications or make SMS Requests by sending a text message to +18329811113.

To enable Mobile Banking services, navigate to My Profile section in your My Mercury Card Account and select Mobile Banking option. You may activate and deactivate the required services at any time depending on your personal preferences.

Please note that you will need to verify your mobile telephone number in order to use Mobile Banking services.

How do I verify my mobile telephone number?
To verify your mobile telephone number:
  • Log into your My Mercury Card Account.
  • Navigate to My Profile.
  • Select !Validate option located next to your mobile telephone number.
  • Enter validation code that was sent to your mobile telephone number.
  • Confirm your choice.
It is important that your provided mobile telephone number includes your country code with + at the front and has no spaces or symbols other than numbers. Attempt to verify your telephone number that is provided in any other format will result in an error. You can amend you mobile telephone number by selecting Update option located next to your provided mobile telephone number.
Where can I find more detailed information about Mobile Banking?
You can find more detailed information about all Mobile Banking services available to you in our Mobile Banking Usage Instructions. You can Download Mobile Banking Usage Instructions by navigating to Mobile Banking section of your My Mercury Card Account.
What SMS Notifications are available to me?
SMS Notifications will allow you to receive a text message directly to your verified mobile telephone number when your My Mercury Card e-Wallet has been loaded with funds.
What SMS Alerts are available to me?
You can choose to activate SMS Notification that will alert you once your My Mercury Card MasterCard™ has been used to make Online or POS transactions as well as ATM withdrawals.
What SMS Activity Requests are available to me?
You can activate SMS Activity Requests that will enable you to request most recent transaction history of your choice for both your My Mercury Card e-Wallet and My Mercury Card MasterCard™.
What SMS Balance requests are available to me?
Activating SMS Balance Requests will enable you to request current balance information for both your My Mercury Card e-Wallet and My Mercury Card MasterCard™.
Can I request to receive PIN Code for my My Mercury Card MasterCard™ via Mobile Banking?
Not only will you be able to request your PIN Code via Mobile Banking SMS Request, you will also be able to change your PIN Code to any 4 digit combination of your choice.
Can I receive verification Key Code via Mobile Banking?
My Mercury Card now offer an option to receive your verification Key Code via SMS Text Message to your verified mobile telephone number.

You can optimize any of the following options available:
  • Activate SMS Notifications to receive Key Code every time Key Code Verification is required.
  • Request one time Key Code upon Log In.
  • Request one time Key Code for the next time you log In.
  • Request specific verification Key Code.
Can I send funds to another My Mercury Card Account via Mobile Banking? TBC
You can send funds to any My Mercury Card Personal or Business Account Holder via SMS Text Message.

Withdrawal from Ewallet

How do I withdraw funds from my My Mercury Card eWallet?
You can withdraw funds from your My Mercury Card Account via bank wire transfer. The minumum amount is 700 USD. Please see the "Withdrawing Funds" section of the FAQ for additional details for each option listed.

Alternatively, you may purchase a My Mercury Card MasterCard™ to make purchases where MasterCard™ is accepted or to withdraw funds at millions of ATM locations displaying the MasterCard™, Cirrus and Maestro logo.
I requested a Wire/Bank/Telegraphic withdrawal; when will I see this in my bank Account?
My Mercury Card must wait for all pending MasterCard™ transactions to post before a Wire/Bank/Telegraphic transfer can be processed. Once they have all posted there is a 3 to 7 business day internal processing time. After this time frame you must contact you financial institution for any additional processing time they may assess to incoming Wire/Bank/Telegraphic transfers.

Account balances

Where are the funds that I loaded to my My Mercury Card Account?
Funds that are loaded or transferred into your My Mercury Card Account are placed in your My Mercury Card eWallet unless you choose to have them automatically transferred to your My Mercury Card MasterCard™ or Virtual MasterCard™. You can change this setting at any time by selecting the "My Accounts" button located on your My Mercury Card profile page and clicking on Account number.
My available balance, or Open-to-Buy, is less than I think it should be. Why is this?
Your Open-to-Buy is calculated by subtracting pending charges, known as authorisations, from your Account balance. If your card is used at certain Merchants, such as a petrol station or restaurant, your transaction maybe authorised for more than the actual amount of the purchase. This usually happens when the Merchant wants to verify your Account has sufficient funds to allow for a potential gratuity. If the authorised amount is more than the amount settled by the Merchant, the difference will be returned to your Open-to-Buy balance. Please note: pending charges can take up to 30 days after the date of your purchase to be removed from your Account.
My Account balance is negative and I know that I have funds in my My Mercury Card Account. How can this happen?
Sometimes Merchants authorise your purchase for a total amount and then send in multiple transactions. This is especially true with airlines when you purchase multiple tickets at the same time or when a Merchant has to back order merchandise and ship it to you at a later date. The My Mercury Card system cannot release the authorisation amount until certain conditions are met. If these conditions are not met, both the authorisation amount and the transaction amounts will be deducted from your balance. We automatically release the authorisation after a predetermined period to ensure that your funds are available to you. However, if this period has not expired you may experience this situation. Please contact My Mercury Card Customer Support and we will investigate the situation and may manually release or adjust the authorisation so that your funds are available.

In addition, if you have insufficient funds when Account fees are assessed, your balance will go into the negative.
I purchased two airline tickets at the same time and they show up as two transactions. Why did this happen?
Airlines have the option of processing tickets either as one total amount or an amount for each ticket when tickets are purchased at the same time on a payment card. You may see the entire amount in one transaction or the amount of each ticket purchased.

Online balance statement

How often can I check my balance and transaction details?
You can check your balance and purchases as often as you like by checking your online transaction history under the sections "Account Activity" and "Card Activity". My Mercury Card provides you with real-time transaction and balance information.

Pending charges in your My Mercury Card online statement

What is an authorisation?
An authorisation is the initial part of a sales process whereby a Merchant enquires with an Account Holder's issuing bank to verify: 1) that an Account is valid and 2) whether the Account Holder has enough funds to pay for a transaction. When a Merchant authorises a transaction, it reserves the right to retrieve the amount of money authorised at any time within 30 days of the authorisation date. An authorisation reduces your Open-to-Buy balance (available balance) but the money is not actually deducted from your Account until the Merchant completes the sale.
What are the pending charges on my statement?
Pending charges appear when the Merchant authorises a card but has not completed the sale. Generally, the Merchant has 30 days to complete the transaction that they initiated. There are various reasons that may cause a pending charge to remain on your Account for 35 days even when a merchant has no intention of completing the sale. If you think that a pending charge should be removed from your statement, please contact My Mercury Card Customer Support.

Loading funds via checking account

Can I transfer money from my checking Account to my My Mercury Card Account?
Yes, you will be able to transfer funds from your checking Account and deposit them to your My Mercury Card Account via Bank Wire Transfer. After logging into your My Mercury Card Account, please click on “Load Money” and fill the form provided to obtain instructions on how to fund you My Mercury Card Account.
I transferred money from my bank, why it is still not in my Account?
There are several factors that must be taken into Account when expecting an incoming Wire/Bank/Telegraphic transfer from your financial institution.

Please note My Mercury Card has not control over your bank’s transfer processing time.

Incoming Wire/Bank/Telegraphic transfers received by My Mercury Card are credited to the appropriate Accounts by 16:00GMT/BST within 3 business days of receipt.

It is imperative that a My Mercury Card Account Holder initiates the incoming Wire/Bank/Telegraphic transfer request from the “Load Money” section of their online My Mercury Card Account, and provides the bank with the reference number. While My Mercury Card will not process the transfer on your behalf, this helps our Treasure Management Department identify incoming transfers. Incoming transfers without a reference number can take up to 2-5 additional business days to process. If My Mercury Card cannot identify the appropriate Account to credit, the funds will be sent back to the sending financial institution.

Loading funds via credit/debit card

What if my credit/debit card does not transact in same currency as my My Mercury Card Account(s)?
If your credit/debit card transacts in a currency other than the currency in which your My Mercury Card Account is set, such as in British Pound, for verification purposes, when you receive the pending debit on your credit/debit card Account, within the transaction details it will indicate what the small amount is along with the currency of your My Mercury Card Account. For example, the transaction amount may display £.27 in the transaction log, however, within the descriptor it might read .38EUR, in this case you would need to note the .38EUR amount. To complete the verification process, please log into your My Mercury Card Online Account and enter the amount from the transaction description.
I have multiple Accounts with My Mercury Card, if I want to verify my credit/debit card, which currency do I choose from the dropdown menu?
Regardless of which currency you choose from the dropdown menu, the verification process will be based on which My Mercury Card Account is set as your primary Account within your Profile. There are three scenarios that may apply to the verification process:

1.) The Primary Account currency is EUR, the credit/debit card transacts in EUR, and you select EUR from the dropdown menu. When you receive the pending debit on your credit/debit card Account, please log into your My Mercury Card Online Account, enter the currency you originally chose and the pending debit as you see it on your credit/debit card Account.

2.) The Primary Account currency is USD, the credit/debit card transacts in EUR, and you select EUR from the dropdown menu. The pending transaction on your credit/debit card Account may display €.27 in the transaction log, however, within the descriptor it might read .26USD, in this case you would need to note the .26USD amount. To complete the verification process, please log into your My Mercury Card Online Account and enter the amount from the transaction description.

3.) The Primary Account currency is EUR, the credit/debit card transacts in EUR, and you select USD from the dropdown menu. My Mercury Card HIGHLY recommends that you follow the first scenario to prevent potential delays in the verification process.

If you are unsure of what the Primary Account is within your My Mercury Card Profile, or want to change the Account that is considered Primary, please navigate to “My Accounts”, the Account number with the small gold flag displayed next to it is the Primary Account. To change the Primary Account, select the Account number you desire to be the Primary Account. At the top of the page will be a link titled “Make primary”. Click this link and follow the required instructions.

Account creation

Do I need to get credit approval to obtain my My Mercury Card Account?
No, My Mercury Card does not require credit approval. Neither does My Mercury Card report to any national or international credit reporting agencies.
Does My Mercury Card authenticate its Account Holders?
Yes, as a part of My Mercury Card's ongoing commitment to processing agreements and Know your Customer regulations, We require proof of identification from the Customers on this site.

Login/password issues

Why am I being asked to login every time I visit a new page on your website?
If you are continuously being asked to log into your Account, you will need to set your browser to accept cookies. Cookies are small text files (usually less than 1K in size) that websites use in order to keep you logged in while you are visiting a site.
I entered my password incorrectly three times and now I am blocked for 1 hour. How can I unblock my Account before the hour has passed?
A Customer Support Agent can unblock your login status and reset your password. You will be asked to answer required authentication questions to ensure the security of your My Mercury Card Account before your login status and password are changed.
Why am I being forced to change my password?
From time to time, we may ask our Account Holders to reset their passwords for security purposes only.
Why am I being forced to answer a security question every time I log into my Account?
If you are asked to answer your Security Question and re-authorize your computer every time you log into your My Mercury Card Account, then your browser may be configured to delete your cookies every time you close your browser, or every time you end a session on the Internet. Please modify your browser's settings so that it does not delete cookies from My Mercury Card. Please reference the "Help" Section in your browser's Menu Bar for exact instructions on how to do this.
I forgot my password. What do I do?
If you have forgotten your password please follow these steps:
  • Go to www.mymercurycard.com
  • Click on the “Login” link in the top right-hand section of the page.
  • Under the blue “Login” button, select the “Forgot Password” link.
  • Enter the email address registered with My Mercury Card and click the “Send new password” button.
  • The password reset link will be sent to the email address on file with My Mercury Card
  • Make sure to check your SPAM folder if you have not yet received this email
  • Click the link in the email and you will be directed to enter a new password.
You will be directed back to the Login Page and can proceed to log into your online My Mercury Card Account.

Technical issues

I am experiencing technical difficulties. What should I do?
Please send us a detailed description of the problem by logging in to your My Mercury Card Account and clicking on the "Messages" link. If you are unable to login to your My Mercury Card Account, please send an email to support@mymercurycard.com . Please ensure to include your contact information.

Petrol stations and restaurants

Why do I have a $75 authorisation on my Account when I haven't purchased $75 in petrol?
When you use your My Mercury Card MasterCard™ to make a petrol purchase at the pump, we will authorise your My Mercury Card MasterCard™ for $75, as we do not know how much petrol you intend to purchase. These authorisations are removed from your Account when the actual petrol purchase amount is received from the petrol station Merchant, usually within 7 to 10 business days. To prevent this type of authorisation, we advise that you pay with an attendent for a set amount.
A transaction was declined at a petrol pump and I know I had enough money in my My Mercury Card Account to purchase the amount of petrol I desired.
When you use your My Mercury Card MasterCard™ at an automatic petrol dispenser, we will authorise your My Mercury Card MasterCard™ for $75, as we do not know how much petrol you intend to purchase. If your petrol purchase is declined because your My Mercury Card Account balance is less than $75, you can present your My Mercury Card MasterCard™ to the attendant to make a petrol purchase with the amount in your Account. If you pump more petrol than the available balance on your My Mercury Card MasterCard™, you will be required to pay for your petrol with another payment method. In most cases, the petrol station will require you to prepay a set amount if you purchase from the attendant.
I paid for a meal at a restaurant with my My Mercury Card MasterCard™. The authorisation on my Account for my meal purchase is different than the amount I spent. Why is this?
When you purchase a meal at a restaurant with your My Mercury Card MasterCard™, your transaction is authorised for the amount of the meal plus an extra amount to allow for a potential gratuity. These authorisations are removed from your Account when the Merchant settles the actual amount spent at the restaurant, usually in 7 to 10 days.
My restaurant purchase was declined and I know I had more money in my My Mercury Card MasterCard™ than the amount of the bill. Why did this happen?
Transactions that take place at restaurants occasionally are authorised for the amount of the meal purchase plus 20% to ensure that you have sufficient funds available to pay for the purchase amount plus a gratuity. This is necessary, as the Merchant does not know the total amount of the transaction until you add your tip, which occurs after the transaction is authorised, and My Mercury Card does not know the total amount of the transaction until that time.