Sending funds & topping up
Paying for an order, adding money, and what to do when it fails · 15 answers
I was referred to mWire. What is this and why do I need it?Your recipient of funds is requesting payment in a digital dollar called USDC (stablecoin). mWire is an app that allows you to do this. Follow a few simple steps to top-up your mWire wallet with USDC using your debit card or other available payment methods. Then, follow the prompts in mWire to finish sending these funds to your recipient.I received a payment request. How do I complete it?Click the payment request link that you received. It takes you to the mWire app. Sign in with Google or your email address. Remember which one you used and always log back in using the same email and method that you used initially. Add funds to your mWire wallet with your debit card or other payment methods like Venmo, PayPal, Apple Pay or Google Pay - where available. Securely verify your identity if you're asked to. You’ll only have to do this once with any integrated third-party payment provider (on-ramp). Confirm the transaction, and your recipient will be notified.My top-up failed and I don't know whyIn our logs, identity and document checks cause about five times as many failures as genuine card declines. If your bank tells you nothing ever reached them, they're almost certainly right — the payment was stopped before it got that far."Document verification is required to create an onramp session"Document verification is required to create an onramp session.It keeps asking for my driver’s license and a selfie, then takes me back to the startYou take a photo of the front and back of your ID and a photo of yourself, press Done, and it returns you to the beginning. Doing it again produces the same result.Why am I being asked for ID?Identity checks are increasingly important in the digital age to prevent fraud. mWire’s third-party integrated payment provider that allows you to top up your mWire wallet with a debit card or other payment method may need to verify your identity. Once your mWire wallet is topped up with USDC, it cannot be clawed back by the payment provider, so ID checks keep everyone secure."document verification was canceled"document verification was canceled.My card was declined but my bank says nothing ever reached themYour bank is right. When a top-up stops for an identity verification, no charge is ever attempted, so there's nothing for your bank to see or approve. Calling them won't help, and they can't unblock it."Your card was declined" / "insufficient funds" / "does not support this type of purchase"Your card was declined.Which card should I use? My credit card keeps failingUse a debit card. Credit cards are far more likely to be refused for this kind of purchase — many banks block digital-currency transactions on credit but allow them on debit.Can I use a Discover card?Your Stripe account cannot currently process Discover cards."This payment method isn't saved to your Link account"This payment method isn't saved to your Link account. Add it before"Your account is under review"Your account is under review. Questions? Contact support.link.com.The page won't load, or says "Load failed" / "Failed to fetch"Load failedCan I pay with Venmo, PayPal, Apple Pay or Google Pay?It will depend on what your region and mWire’s third-party integrated payment providers’ offer you at the time. If you don't see the option, it isn't available at that time.