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In order to use the CoinZoom Visa card, go into your CoinZoom Spend tab (Portfolio -> Spend on the web) and choose the crypto wallet you want your purchases to use. Once you've chosen the wallet, the card will automatically convert the crypto at the point of sale at any merchant or any ATM that accept the card.  

When you swipe the card our system will confirm that there is enough available funds in the wallet to pay for the amount requested. If there's enough available funds then the transaction will be approved. As the transaction is approved CoinZoom creates a market order for the amount of coin in the designated wallet to cover the purchase.

If there are not enough funds in the designated wallet, the transaction will be denied and you'll need to choose another crypto. 

For some purchases, like at a restaurant where a tip is often added to the bill after the transaction is approved, the tip amount may not show on the customer's account until the next day.

The CoinZoom Visa Crypto debit card works at more than 53 million ATMs across the globe that are on either the Visa Network or NYCE network. 

Find an ATM near you: Visa Network ATM Locator

Some transactions on the card require a pre-authorization for an estimated amount of the purchase. Normally a pre-authorization is not required when making a purchase because the merchant requests authorization only for the total amount of the purchase. If you were to purchase a five dollar cup of coffee, for example, the merchant would request five dollars. CoinZoom authorizes that purchase and initiates a market order for the amount of crypto to satisfy the payment.

But sometimes the merchant doesn't know how much the final purchase will be, so they request a "pre-authorization" for an additional dollar amount. For example, a gas pump transaction may request a "pre-authorization" for $80.00 even though you might only be buying $30 of gas. After you finish pumping gas, a "completion transaction" message is sent to CoinZoom with the actual amount to charge and CoinZoom makes the charge based on the actual amount sent. 

A pre-authorization may take up to a day to fully resolve. This is important to know in cases where there are low funds in your account and funds may be tied up in a pre-authorization.

Preauthorizations usually happen at merchants such as gas stations, hotels and rental car agencies.

Visa automatically converts the currency when using a CoinZoom Visa Debit card to pay USD for an international purchase made in a different currency (EURO for example). 

You can find the conversion rates on Visa's site here: https://usa.visa.com/support/consumer/travel-support/exchange-rate-calculator.html