KuCard

KuCard Transactions and Refunds

Last updated: 03/10/2026

Why was my transaction declined?

A KuCard transaction may be declined for several reasons, including but not limited to:
  • Insufficient available balance The available balance in your funding source was not sufficient to cover the transaction.
  • Spending limits exceeded The transaction exceeded applicable daily or monthly card limits.
  • Merchant restrictions The merchant or merchant category does not support or allow the transaction type.
  • Risk or security controls The transaction was declined based on internal risk, security, or compliance checks.
If you believe a transaction was declined in error, please contact customer support via the “Have problems with this order?” option in the app.

What should I do if I notice a transaction I did not authorise?

If you identify a transaction that you did not initiate, please take the following steps immediately:
  • Freeze your card Temporarily lock the affected KuCard via the app to prevent further transactions.
  • Review your transaction history Check for any additional unauthorised or suspicious activity.
  • Report the transaction Contact KuCoin customer support through the app using the “Have problems with this order?” option.
  • Follow support instructions Customer support will guide you through the dispute and security process in accordance with applicable card network and regulatory requirements.

How do I submit an appeal if there is an issue with a transaction?

In most cases, the fastest way to resolve a transaction issue is to contact the merchant directly. If a merchant processes a refund, it may take up to 14 business days for the refund to be completed. If the issue cannot be resolved by the merchant, you may submit a dispute or appeal following the instructions provided by customer support.

How are refunds processed?

KuCard transactions are settled in USDC.
When a payment is made using KuCard, any supported crypto-asset used as a funding source is converted into USDC prior to settlement with the merchant.
If a refund is processed, the refunded amount is debited to your Funding Account in USDC, based on the original transaction value in USDC.
Important: Refunded transactions are not eligible for cashback, rewards, or promotional benefits.

Does KuCard provide monthly statements?

At this time, KuCard does not provide formal monthly statements.
You may view your transaction history at any time via the KuCoin app or online portal.

Important clarification

All KuCard transactions are subject to applicable limits, fees, exchange rates, and regulatory requirements.
Availability of features may vary by jurisdiction and card type.
KuCoin does not guarantee that all transactions will be authorised.
We hope this article has been helpful. If you have any other questions, please reach out to our 24/7 customer support via online chat or submit a ticket.