Mercuryo Review: How to Buy Crypto with a Credit Card

This is a Mercuryo review, in which we’ll walk you through all you need to know about the platform—how it works, what it costs, and whether it’s safe

This Mercuryo review will walk you through everything you need to know about the platform. We’ll cover how it works, what it'll cost you, and whether Mercuryo is safe for your hard-earned money. We’ll also break down how to sign up, buy or sell crypto, use the wallet, and even contact support if need be. Besides that, this review will weigh in on the good stuff against the not-so-great so you can decide whether this platform is for you.

About Mercuryo

If you’re looking to buy Bitcoin or other digital assets using everyday payment methods like your Visa or MasterCard, Mercuryo is one platform that can help you do just that. The platform also lets you sell crypto back into regular money (fiat currencies) and store your coins in a digital wallet.

The genesis of Mercuryo’s journey really began in 2017 when Petr Kozyakov, co-founder and CEO, first began searching for an efficient and cost-effective means of buying Bitcoin with fiat currency. The platform’s aim is to bridge the gap between traditional money and crypto, making transactions simpler for investors as well as businesses.

In plain terms, one can think of Mercuryo as a middleman. Users give them dollars or euros; the platform handles the transaction and provides crypto in return—or vice versa.

As mentioned above, Mercuryo also offers tools for businesses, like widgets that let online stores accept crypto payments. For this review, though, we’ll focus on what it means for everyday crypto investors.

How to get started with Mercuryo?

To get started with Mercuryo, the first step is to visit its official website or download its app—available on both iOS and Android—and sign up with an email and phone number. The process requires basic info to create your account and tie it to a phone for security.

Next up, you’ll need to verify your account. Now, Mercuryo follows Know Your Customer (KYC) rules, which means that the platform needs to confirm the user’s identity. Namely, for small transactions—up to about 300 EUR—users just go through a quick check against sanction lists. They’ll ask for a passport or ID scan. However, if you spend over 15,000 EUR, you’ll get a video call to record your face and voice. This might sound intimidating, but it’s standard for legit crypto platforms to prevent fraud.

Once you register an account, the next step is to tie a Visa or MasterCard to your account. Mercuryo doesn’t accept PayPal, Revolut, or bank wire transfers like SEPA, so your options are limited to those cards, which is a heads-up if you prefer other payment methods.

Buying and selling crypto: How it works

Now, let’s talk about the main event—buying crypto. You log into the app or website, pick a fiat currency, choose a crypto, and enter how much you want to spend. After you confirm, Mercuryo charges your card and sends the crypto to your platform wallet or another wallet you specify. On the other hand, selling works the reverse—users send crypto to Mercuryo, and they deposit fiat to their credit card.

The whole process is usually done within minutes. Most user reviews praise the speed, with some calling it seamless or as smooth as butter. That said, some users did report delays of hours or even days, especially during busy crypto market times.

As for the coins you can buy, Mercuryo supports over 30 cryptocurrencies, focusing on major coins and tokens across multiple blockchain networks, including:

Bitcoin (BTC)

Ethereum (ETH)

Tether (USDT)

Binance Coin (BNB)

Toncoin (TON)

Solana (SOL)

Dogecoin (DOGE)

Shiba Inu (SHIB)

Optimism (OP)

Chainlink (LINK)

Stellar (XLM)

PancakeSwap (CAKE)

Cronos (CRO)

Kava (KAVA)

Near (NEAR)

Immutable X (IMX)

Flow (FLOW)

Mina (MINA)

Optimism (OP)

Bitcoin Cash (BCH)

Litecoin (LTC)

Binance USD (BUSD)

Dai (DAI)

Wrapped Bitcoin (wBTC)

SAND (SAND)

Smooth Love Potion (SLP)

Gala (GALA)

Enjin Coin (ENJ)

ApeCoin (APE)

XRP (XRP)

Stacks (STX)

Mercuryo wallet

Besides buying and selling, another service that Mercuryo provides is a custodial wallet for storing coins, allowing users to send crypto to other wallets, receive it, or keep it there. The platform keeps things secure with a two-factor authentication (2FA), using phone and