Last updated: November 11, 2026
Is Merchantrade down? User reports show no current problems with Merchantrade
Merchantrade centres on its Merchantrade Money app, a multi-currency wallet with a Visa prepaid card built for sending money home. This page watches Merchantrade down reports and the live Merchantrade status for the app and card.
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Merchantrade problems reported in the last 24 hours
Most reported problems
All quiet. No issues reported in the last 24 hours.
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Most reported locations
Where Merchantrade reports are coming from in the last 24 hours.
No problem locations to show yet. Merchantrade looks fine right now. Locations appear here as soon as users submit reports.
Latest Merchantrade user reports
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Merchantrade outage history
The live report status for Merchantrade, updated as reports come in.
Good news. Merchantrade has no reported problems right now. If it is not working for you, report it above and your report will appear here.
Merchantrade uptime and reports
Live report counts and the day by day record for the last 30 days.
User reports received in each period.
Last 30 days, day by day: 13 October 2026 to 11 November 2026
Green: up. Red: outage. Amber: some checks failed. Grey: no record yet.
The daily record builds from today as our checks run. Grey days have no saved record yet. A red day marks a confirmed outage.
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Merchantrade on social media
An early signal from outside our site, watched in rotation.
Posts on Bluesky saying Merchantrade is down. Checked 10 November 2026, 3:58 PM PKT.
Quiet right now. Nobody on Bluesky is saying Merchantrade is down.
Guides that can fix it
Step by step fixes for the problems people report most.
→ Is It Down for Me or Everyone? The Four-Step Check
→ Login Problems That Are Not an Outage
→ How to Clear the Cache in Firefox, Safari and Edge
Is Merchantrade down right now?
The Merchantrade status panel above is fed by Merchantrade down reports from wallet and card users. A steady low line means buys, sends and card payments are clearing. A sudden climb marks a platform fault.
Weekend remittance peaks can slow a single send without any outage. Check the transfer status line in the app first. A send marked under review is working through checks, not lost.
Is Merchantrade down for me or everyone?
Shared faults bring reports from travellers, workers and online shoppers together. A quiet board points to your card toggles, your wallet balance in that currency, or a receiver detail that needs fixing.
Holding twenty currencies in one wallet
The wallet buys, holds and sells over twenty foreign currencies at the in-app rate. Favourite currencies pin to the top for fast access. Money sits in each currency until you spend or convert it.
Buying early locks the rate for a planned trip. The Visa card then spends from the matching currency balance abroad. Leftover currency converts back to ringgit in the app at any time.
Moving money to thirteen countries
Remittance sends to bank accounts, cash pickup and mobile wallets across thirteen countries. The fee and the exact amount your family receives show before you confirm. Rates refresh through the day as markets move. First sends to a new receiver ask for more identity detail. Regular receivers save into a list for one-tap repeats. Each send gets a tracking line inside the app history. Tracking lines also fill MyInvestor accounts in Spain, where the order detail screen names the holding step.
Locking card features one toggle at a time
Card controls switch payWave, online payments, ATM use and overseas spending separately. Turning one off blocks only that payment type. A freeze stops the whole card at once after a loss. During a wide Merchantrade outage the toggles still show, but card payments can fail at the till. Balances in every currency stay untouched. Wait for the status graph to calm before testing the card again.
Watching rates with price alerts
Rate alerts ping you when a currency hits the price you set. Set one alert per currency pair you follow. The alert screen shows the live rate beside your target. Alerts arrive as app notifications with the new rate shown.
Common Merchantrade Problems and Fixes
Currency buys, remittance checks and card toggles produce most Merchantrade tickets. These five fixes walk through them in order.
Currency buy fails at the payment step
The wallet pays for a currency buy from your ringgit balance, so check that balance first. A rate that moved mid-order can cancel the buy. Refresh the rate and place the buy again at the new price.
Remittance pending checks for a long time
Large or first-time sends draw extra compliance checks. Upload any document the app asks for in clear photos. The send releases once checks pass, at the rate locked on your receipt.
Card declined for an online payment
Online payments carry their own toggle in card controls, separate from shop use. Switch it on, confirm the card holds the right currency balance, then retry. Some sites also need the card billing name to match exactly.
FPX top-up not credited to the wallet
FPX top-ups can lag while the bank confirms the debit. Keep the bank receipt and check the wallet history after a short wait. A failed FPX debit refunds through the bank without a Merchantrade form.
Rate alert never fires
Alerts need app notifications switched on at the phone level. Check that the target rate is on the right side of the live rate for a buy or a sell. Old alerts expire, so re-set any target set long ago.
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Frequently Asked Questions
How many currencies can the wallet hold?
The wallet holds over twenty currencies at once, each with its own balance line. You buy and sell between them inside the app. The card spends from the matching balance when you travel.
Can I send money to a bank account overseas?
Yes, remittance covers thirteen countries with bank deposit, cash pickup and mobile wallet options. The fee and received amount show before you pay. Saved receivers make repeat sends quick.
Why does my card spend use the wrong currency?
The card draws the local currency balance first when it holds enough. Shortfalls fall back to other balances at the live rate. Keep the trip currency topped up before you travel.
What is the Hybrid Current Account-i?
It is a bank account opened inside the app with AmBank Islamic. The balance earns a profit rate and can transfer to local bank accounts. It sits beside the wallet rather than replacing it.
Does the card work in Google Wallet?
Yes, the Visa card adds to Google Wallet and Samsung Wallet for tap payments. The wallet balance funds those taps. Card controls in the app still govern the card inside the phone wallet.
How do Card-To-Card transfers work?
Send money to another Merchantrade Money user by their card or account detail in the app. The transfer lands in their wallet at once. It suits splitting costs between workers on the same site.