Top-up

Enable card usage through prepaid balance, simple, secure, and seamless.

Mynt supports a debit card model by allowing customers to top up their account balance. This enables spend control and budgeting flexibility, as all card transactions are settled against a pre-funded wallet. It’s an ideal solution for businesses that want to provide users with payment capabilities while maintaining a controlled funding model.

How Top-ups work

Top-ups are user-initiated transfers of funds into a Mynt account. Once topped up, the balance becomes available immediately for card transactions via the Mynt platform.

Top-up models by region

Mynt supports multiple country-specific payment rails for funding accounts:

• SEPA transfers (EUR accounts / EU-based companies)
  
• FIK payments (Denmark)
  
• KID payments (Norway)
  
• Bankgiro payments (Sweden)
  

These top-up methods ensure regional compliance, local banking familiarity, and seamless integration into your customers’ financial workflows.

KYC Requirement

Top-up details must not be displayed to the end user before their KYC (Know Your Customer) verification is approved. Mynt will not activate any top-up until the customer has been fully approved. This ensures regulatory compliance and prevents the movement of funds to accounts that have not yet met onboarding requirements.

From a technical standpoint, the getDepositInfo API endpoint will return null if the customer’s KYC verification has not yet been completed and approved. Partners should handle this case explicitly and hide any top-up instructions from the end user until KYC approval is confirmed.