Every time you pay with your MiniPay card, you earn 5% back on your spend. No tiers. No opt-in. No minimum purchase. It's automatic from day one.

What you earn

Spend $100 → get $5 back. Every time, on every eligible purchase.

Cashback is paid in one of two assets depending on where you live:

• Tether Gold (XAUt) — in most markets across Africa, Latin America, and Asia. XAUt is a digital token where each unit is backed by one troy ounce of physical gold held in a Swiss vault. Your reward holds value the way gold does.
• USDC — in Europe (EEA). A dollar-pegged stablecoin that stays at $1.

Your reward lands directly in your MiniPay wallet balance. No claiming required.

How the pending period works

Cashback doesn't land instantly — here's the timeline:

You spend → Cashback goes pending → Settles into your wallet (between 30 and no more than 60 days of the transaction)

The 30-day pending window exists to account for refunds and disputes. If you return a purchase during that window, the cashback for that transaction is cancelled. Once settled, it's yours.

You can see your pending cashback balance on the card view inside the app.

The monthly cap

Cashback is capped at $150 per monthly settlement period. Once you hit the cap, additional spending that month won't earn more — but the cap resets at the start of the next period.

What doesn't earn cashback

Most everyday purchases — groceries, restaurants, retail, transport, subscriptions — earn the full 5%. A small number of categories are excluded because they aren't purchases in the traditional sense:

• ATM withdrawals and cash advances
• Money transfers and wire services
• Gambling and betting merchants
• Insurance payments
• Utility bills
• Government and tax payments
• Gift card stores, pawn shops, and dating services

If it's a regular retail or service purchase, it almost certainly earns cashback. For the complete list of excluded merchant category codes, see the MiniPay Card Cashback Terms & Conditions.

What if I return something?

If you return a purchase while the cashback is still pending, that reward is cancelled. If the return happens after the cashback has already settled into your wallet, the reward is not clawed back — but your refund will be processed separately through the original payment.

A note on abuse

To keep the program fair and sustainable, we monitor for unusual spending patterns. Accounts flagged for manufactured spend or cashback abuse may have rewards withheld.

Full program terms, including the complete list of excluded merchant categories: MiniPay Card Cashback Terms & Conditions

FAQs

Why is my cashback showing as pending?

‍All cashback stays pending for up to 30 days after a transaction. This protects against refunds and disputes. Once the window passes, it settles automatically into your wallet — you don't need to do anything.

When exactly does pending cashback settle?

Within 60 days of your original transaction. Most settle faster, but 60 days is the outer limit.

Where do I see my cashback balance?

Open the app, go to your card view, and you'll see your pending and settled cashback balances there.

Why did my cashback disappear?

‍A few possible reasons: you returned the purchase before it settled, the merchant falls into an excluded category, or your account hit the $150 monthly cap. If none of those apply, contact support.

What is XAUt0 / Tether Gold?

XAUt0 is a digital token where each unit represents ownership of one troy ounce of physical gold held in a Swiss vault by Tether. Its value moves with the gold price, not the dollar. You can hold it in your MiniPay wallet or swap it for stablecoins at any time.

Can I lose cashback that's already settled?

No. Once cashback has settled into your wallet, it's yours. Returns after settlement don't affect it.

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