Onyx Payments is how you move money inside Onyx.
Use it to add funds, receive money, hold eligible balances, spend with cards, send transfers, exchange currency, manage recipients, and track payment activity.
Before money moves, you review the amount, destination, rate, fee, timing, and confirmation step. After money moves, activity shows what happened and what still needs to settle.
Payments
Payment availability panel
Toggle account readiness, verification, regional support, and rails to see which actions are available.
Receive
AvailableRequires wallet readiness and supported asset.
Send
BlockedRequires balance, verification, wallet readiness, and supported rail.
Swap
BlockedRequires supported assets, quote, and wallet approval.
Card
BlockedRequires issuer support and account eligibility.
FX
BlockedRequires supported currencies and quote confirmation.
What Onyx Payments Is
Onyx Payments brings deposits, receiving details, balances, cards, transfers, FX, recipients, and activity history into one place.
It's built for people who move across currencies, payment methods, and destinations. You can see what money is available, where it can go, what it costs, and whether it's pending, completed, failed, reversed, or still under review.
Every money action should answer three questions before you confirm: how much, where it's going, and what it costs.
What You Can Do
You can add money by bank transfer, card top-up, or supported digital asset deposit.
You can receive money with eligible bank details or supported digital asset deposit addresses. You can hold eligible balances, spend with supported cards, send transfers to approved recipients, exchange currency after reviewing a quote, and track deposits, card payments, transfers, FX, reversals, and reviews in activity.
Some actions require verification, limits, or review. Those steps apply to the payment action you are taking.
Add Money
Add money by bank transfer, card top-up, or supported digital asset deposit.
Bank transfers use account details assigned for the currency. EUR transfers use SEPA account details when active. USD transfers use ACH account and routing details when active.
Card top-ups use an eligible debit or credit card. Review the amount, currency, fee, and card details before submitting the top-up.
Digital asset deposits use a supported asset, supported network, and assigned deposit address. The asset and network must match the deposit instructions. Sending the wrong asset or using the wrong network can delay the deposit or make recovery difficult.
Deposit timing depends on the method. Bank transfers follow banking windows and payment-network timing. Card top-ups depend on card authorization and review. Digital asset deposits depend on network confirmation and deposit review.
Receive Money
Receive money with eligible bank details or supported digital asset deposit addresses.
Bank details let you receive money in eligible currencies. SEPA EUR receiving uses IBAN and BIC details. ACH USD receiving uses account and routing details.
Digital asset receiving uses the supported asset, supported network, and assigned deposit address. Use the exact asset, network, and address assigned for that deposit.
Wrong details can delay or reject a payment. Check the currency, asset, network, account details, reference instructions, and destination before the sender sends money.
Hold And Use Balances
A balance is money held in Onyx Payments for an eligible currency or asset.
Pending money is still clearing. Available money is ready for the payment actions listed for that balance.
Eligible balances can fund card spending, transfers, FX, wallet-linked movement, or future payment actions. Currency, country, payment method, verification, limits, and account standing determine which actions a balance can support.
Spend With Cards
Card spending lets you use an eligible balance through a supported virtual or physical card.
Virtual cards work for online purchases after approval. Physical cards require card eligibility, delivery eligibility, and address review.
Card controls cover issuing, freezing, unfreezing, reviewing limits, and checking card activity. Card purchases require enough available balance for the purchase and any merchant authorization hold.
A merchant may reserve an amount before final settlement. A card transaction can start as pending, then finish as completed, reversed, or adjusted after the merchant and card network finish processing.
Send Transfers
A transfer sends money from an eligible balance to an approved destination.
Destinations can be bank accounts, cards, wallets, or supported recipient endpoints. Before sending, review the recipient, destination, amount, currency, fee, and timing estimate.
Transfer timing depends on the destination. Bank transfers follow banking windows and payment-network timing. Card transfers depend on card-network handling and receiving-card eligibility. Wallet transfers depend on asset, network, address, and confirmation timing.
Destination accuracy matters. Wrong bank details, card details, wallet addresses, assets, currencies, or networks can delay the transfer, reject it, or make recovery difficult.
Exchange Currency
FX lets you exchange one supported currency for another after reviewing a quote.
The quote defines the source amount, destination amount, currency pair, rate, fee, and expiration time. Rates can change before confirmation when market pricing, liquidity, banking windows, or network conditions change.
Refresh an expired quote before continuing. Confirm only when the amount, rate, fee, destination, and currency pair match the exchange you want.
Manage Recipients
A recipient is a saved person or business destination for future transfers.
Recipients can hold bank destinations, card destinations, wallet destinations, or other supported payment destinations. Saved recipients reduce repeated entry, but every transfer still needs one final check before money moves.
Review recipient details before each transfer. People and businesses can change banks, cards, wallets, or payment instructions.
Track Activity
Activity is the record of money movement inside Onyx Payments.
Activity covers deposits, card payments, transfers, FX, recipient actions, failed attempts, reversals, adjustments, and reviews.
Pending means the payment has started but has not settled. Completed means the movement has finished. Failed means the movement did not complete. Cancelled means the movement stopped before completion. Reversed or adjusted means the original payment changed after authorization or settlement.
Some activity updates after a bank, card network, asset network, merchant, or review step finishes processing.
Fees, Rates, Timing, And Limits
Review the cost and timing before confirming a payment.
Deposits, card top-ups, card spending, transfers, and FX can involve fees, exchange rates, authorization holds, settlement timing, minimums, maximums, country limits, currency limits, and transaction limits.
Use the current quote or confirmation step for the amount you approve. If the amount, fee, rate, destination, or timing changes before confirmation, review the payment again.
Verification
Some payment actions require verification before they can proceed.
Verification can apply to card issuance, deposits, transfers, higher limits, card details, regulated payment activity, fraud prevention, sanctions screening, or account recovery.
Verification is tied to the action. A small action may require no extra step. A regulated action, higher-risk action, or higher-limit action may require identity, eligibility, or account review first.
Payment Safety
Review every detail before confirming money movement.
Check the amount, currency, asset, network, destination address, bank details, card destination, recipient, fee, rate, and quote expiration. Some money movements cannot be reversed after confirmation.
Never share private keys, recovery phrases, seed phrases, one-time codes, full card details, wallet backup material, or signing approvals in public or support conversations. Onyx support should never ask you to reveal secret material outside an approved secure flow.