> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://support.halocard.co/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# Why can't I see my deposit?

If you've deposited funds but don't see them yet, please wait until the expected processing time has passed before contacting support.

###### Card payments (Debit, Credit, Apple Pay, Google Pay)

Card payments that are **successful** appear on your account immediately. \*\*Please note: \*\*Some first-time card payments require manual review from our payment processor for compliance reasons. Please allow up to 12 hours for this, or contact our support team so we can expedite this for you.

If your card payment to Halocard is **declined**, it's likely that your bank restricts purchases at merchants like Halocard that are classified under Merchant Category Code (MCC) **6540: Stored-value card purchase/load**. 

If your deposit is declined, please try the following:

* Confirm your billing address matches the address your bank has on file
* If prompted, enter the verification code your bank sends you
* **Most importantly**, call your bank and ask them to approve the pending transaction to "Halocard" or "enable Merchant Category Code 6540".

###### Stablecoin transfers in USDC, USDT (Base, Arbitrum)

Stablecoin deposits usually appear **within a minute** and once the transaction is confirmed on-chain.  Check the transaction on a blockchain explorer to confirm the correct amount and network was used.

###### Cryptocurrency transfers in BTC, ETH, SOL

Crypto deposits appear once the transaction is confirmed on-chain and converted to USD. Check the transaction on a blockchain explorer to confirm the network and status. Confirmation times vary by network:
* Solana: 1–3 minutes
* Ethereum: 3–10 minutes
* Bitcoin: 10–60 minutes

If your crypto transfer has not appeared after 2 hours, it may be held by our payment processor for on-chain security checks. Please contact support.

###### Bank transfers in USD (ACH, Wire)

Check with your bank to confirm the status of your transfer. Settlement times vary by transfer method:
* ACH transfers take **1–3 business days** to settle. 
* Domestic wires arrive the same business day.
* International wires take **1–2 business days**.

###### Bank transfers in EUR/GBP (SEPA, UK Faster Payments)

Check with your bank to confirm the status of your transfer. Settlement times vary by transfer method:
* SEPA Instant transfers take **seconds to minutes**. 
* Standard SEPA transfers take **1 - 2 business days.** 
* UK Faster Payments takes **seconds to minutes**, though some banks take up to 2 hours. 

**IMPORTANT:** Only send funds from accounts in your name with the correct reference number, otherwise deposits may be delayed or refunded.