Monetic Pay
Monetic Pay
Add funds with a card, ACH, or wire. We track each step—from Initiated to Available—so you know exactly when you can spend.
Typical timing (your bank’s processing applies): Card (about 48 hours after initialization; late Friday/weekend posts next business day), ACH (~1–2 business days), Wire (same day if sent before your bank’s cutoff).
Choose a preset or enter your own amount in the app.
Card top-ups clear through your bank and the card network. Timing is set by your bank’s processing windows. Payments made late Thursday or on weekends will not post over the weekend.
ACH timing depends on your bank’s processing windows and cutoffs. We mark it Pending immediately and track it through clearing. When your bank settles, your balance flips to Available.
Wires are released by your bank. Send before your bank’s cutoff for same-day posting; after cutoff, the next business day. As soon as we receive it, the app updates from Pending to Available.
Every top up has a live status that updates automatically. You’ll always see exactly where your money is in the process.
You’ll get an email or push notification when your status changes—no need to refresh or check manually.
Monetic shows your balance in US dollars. Under the hood, we hold a dollar-denominated stable balance (USDC) with our regulated partners so you can pay instantly on modern rails. It’s designed to track $1 for $1, and the app always displays dollars.
No crypto expertise needed—just top up and pay. Cards and bank transfers work the same way you’re used to; we simply make settlement faster and more reliable.
Availability depends on your chosen method and standard banking cutoffs. If a transfer needs a brief review (e.g., unusual amount or bank mismatch), we’ll flag it and keep the status updated.
Any fees are shown clearly before you confirm. Method availability may vary by region and eligibility.