We stand with the law and implement best security practices. UTORG is a holder of a valid PCI DSS certificate that proves compliance with leading standards and practices applied to protection of bank card and personal data of users. 

UTORG is now available in 175 countries yet some countries are restricted. You have to choose your country during the order creation process, right before the checkout. If it turns out UTORG is unavailable at your place, a corresponding notice is displayed.

Yes, we need them to fight money laundering and prevent sponsoring terrorism. Here is how we roll here:

• Every 24 hours you can make 12 transactions paid with the same credit, debit or virtual bank card. Note that the limit is counted for any 24-hour period following a purchase, not for a calendar day (00:00 - 23:59);
• A single transaction is limited to 8,000 euros (or an equivalent in the payment currency).
• The monthly limit depends on your verification level and is also counted as a 31-day period after a purchase (not as a calendar month).

Of course. When you hit the wall, that is, a daily or a monthly limit, you get a notification by email. It also contains guidelines to increasing the account’s limits.

UTORG supports debit, credit and virtual cards from Mastercard, Maestro and Visa. 

Unfortunately, we have not yet implemented American Express, UnionPay, MIR and other options.

No worries, it’s not the end of the world. Here is your checklist:

• Check your balance. Maybe you will need to top it up or revise the order
• Retry payment, errors do occur
• Try another card. Although all card types are supported, debit cards tend to work better
• Call to your bank and ask to authorize the payment

No fees are charged for converting fiat currencies to Bitcoin and paying with a bank card. Moreover, in certain cases the service pays the so-called blockchain fee attributable to miners for maintaining the network. In these cases the relevant field on the screen displays a zero value. When we cannot pay this fee for you, it is displayed in the field. Anyway, the deal amount always strictly corresponds to what you see in the order form you fill.

Note that if the payment currency is different from your card currency, a bank can charge its conversion fee. For more details, ask your bank.

APM availability depends on your country and currency pair of the deal. Currently we support:

• ApplePay
• GooglePay
• Instant bank transfers (20+ banks)
• UPI
• MULTIBANCO
• MISTERCASH

We know that excessive red tape is a nuisance. No one wants to waste their time. Therefore, we did our best to engineer a minimalist verification procedure. We managed to squeeze the data collection stage to 2 steps and the AI-based processing doesn’t take more than 3-5 minutes. All that it takes is upload an image of your ID document (e.g. passport) and take a selfie holding this document open. Make sure that files that you upload meet the quality requirements.

If the monthly purchase amount exceeds 15 000 EUR (or an equivalent in the deal currency), we reserve the right to request the info on your source of funds.

Choosing a crypto wallet is not rocket science. We have some beginner tips for you to avoid confusion, save your time, money and nerves.

The choice is immense, so let’s work by elimination: paper and web wallets are out immediately. Former are old, the latter not safe.

This leaves us with cold and hot wallets.

• Cold or hardware wallets like Ledger and Trezor can be great if you hold a lot of crypto and use only a part of your balance for trading. The rest is safe with critical data stored offline in a device, hard to compromise but not too easy to access either. Expensive and a tad complicated, cold wallets are not a beginner or day-to-day option.
• Hot (i.e. quick) wallets are apps for desktop (e.g. Metamask for ETH or Electrum for BTC) or mobile (e.g. Plark, Exodus). Free, friendly and fast, these are a 100% hit for 90% of users. Trade, buy and sell crypto, pay with it whenever you want without worries over losing an expensive device or missing a good offer while searching your bag for it. Lower security of hot wallets is more of prejudice than fact.