Frequently Asked Questions

Card-to-card transfer is a way to send money directly from one debit or credit card to another — without involving a bank account, wire transfer, or third-party app. You simply enter the sender's card number, the recipient's card number, and the amount. SwiftPay processes the transfer through secure payment networks, and the funds typically arrive on the recipient's card within seconds to a few minutes. It's ideal for splitting bills, reimbursing friends, sending money to family, or moving funds between your own cards.

Most SwiftPay transfers land on the recipient's card in under 30 seconds. In some cases — depending on the card networks, issuing bank, or region — transfers can take up to 24–48 hours. International transfers may take slightly longer due to currency conversion and routing. You'll receive a confirmation email as soon as the transfer is initiated, and you can check the status in your transfer receipt. If it's been longer than expected, reach out to our support team — we're here to help.

SwiftPay supports Visa and Mastercard debit and credit cards issued in 150+ countries. We automatically detect the card network when you enter a card number. Prepaid cards, virtual cards, and some business or corporate cards may have limitations depending on the issuing bank. If you're unsure whether your card is supported, try entering the details on our transfer page — we'll let you know before you proceed. We do not currently support American Express or Discover for card-to-card transfers.

SwiftPay charges a flat 1.5% fee per transfer. There are no hidden fees, no subscription costs, and no monthly charges. You'll see the exact fee and total before confirming any transfer. For example, a $100 transfer costs $1.50 in fees — you pay $101.50 total, and the recipient gets $100. Currency conversion (for international transfers) may incur an additional small margin based on current exchange rates, which we display transparently during the transfer process.

Yes. For security and regulatory reasons, SwiftPay has transfer limits. Typically, you can send up to $2,500 per transfer and up to $10,000 per 30-day period for standard users. Limits may vary by region, card type, and verification level. If you need to send larger amounts or process high-volume transfers, contact us about our business or partnership options — we offer custom limits and tailored solutions.

Absolutely. SwiftPay uses bank-level security for every transaction. All data is encrypted with 256-bit SSL, and we are PCI DSS compliant — the same standards used by major banks and payment processors. We never store your full card number for longer than necessary to complete the transfer, and we use tokenization when interacting with card networks. Our systems are monitored 24/7 for fraud, and we employ strict access controls. Your card details and personal data are protected at every step. You can read more in our Privacy Policy.

Transfers are designed to be fast, and once processing begins, cancellation may not be possible. If you catch an error immediately after confirming (e.g., wrong card number or amount), contact our support team right away — in some cases we can stop a transfer before it settles. Once funds have been delivered to the recipient's card, the transfer cannot be reversed through SwiftPay. You would need to request a refund directly from the recipient. We recommend double-checking all details before confirming.

SwiftPay supports transfers in USD, EUR, GBP, CAD, and 20+ other major currencies. The sender's card is charged in their card's native currency (or we convert at the current rate), and the recipient receives funds in their card's currency when applicable. For cross-currency transfers, we apply a transparent exchange rate with a small margin — you'll see the exact amount and rate before confirming. We're constantly expanding currency support; check the transfer page for the latest list.

No. SwiftPay is designed for instant, no-signup transfers. You don't need to create an account, download an app, or link a bank. Simply enter your card details, the recipient's card number, and the amount — then confirm. You can use your email to receive a receipt and track the transfer status. Optional accounts are available if you want to save card details, view transfer history, or access higher limits — but they're not required.

If a transfer fails, your card is not charged — you won't lose any money. Common reasons include insufficient funds, card declined by your bank, incorrect card details, or the recipient's card not accepting incoming transfers. Check that both card numbers are correct, the amount is within limits, and your card has sufficient balance. If the issue persists, contact your bank to ensure international or online transactions are allowed. Our support team at support@swiftpay.com can help troubleshoot — include your transfer reference number for faster resolution.