What do you need a hand with?

Open Activity in the app and tap the transfer. The timeline shows exactly which stage it is at — payment received, converted, sent to the bank, paid out. If it says “Sending to bank” for more than an hour on a business day, chat with us and we will chase the receiving bank directly.

Almost always a mismatch between the account number and the account name, or a closed account. The money comes back to your Payvio balance in full, usually within one business day, and the app shows the bank’s reason. Fix the recipient details and send again — you will not be charged twice.

Most failures are the card issuer, not us — a daily limit, a foreign-transaction block, or a fraud hold. Try a smaller amount, or call your bank and approve the transaction. A bank transfer (ACH) is free and avoids card blocks entirely, though it takes 1–3 business days.

Go to Profile → Limits & fees → Request a higher limit. You will be asked for proof of address and source of funds. Approval usually takes one business day and takes you to $50,000 a month.

Withdraw your balance first, then Profile → Terms & privacy → Close my account. We are required to keep transaction records for five years after closure, which is a legal obligation we cannot waive, but we stop all processing immediately.