Discussion of article "Payments and payment methods" - page 193

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What is the reason? I can't top up my account via unionPay card, I have enough money on my card, the bank says it can't see any obstacles, what should I do? What is the reason?
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Marina1610 #:  What's the reason? I can't top up my account via the unionPay card, I have enough money on the card and the bank says it doesn't see any obstacles.

Help with MQL5 services

If you have any problems with financial transactions or questions about paid services on MQL5.com, please contact our technical support service... [ https://www.mql5.com/pt/contact ]

 
Винисиус Перейра де Оливейра # :
There is a chat bot, who should I contact?
 
Marina Chernetsova #:  There is a chat bot. Who should I contact?

Finance >> Account top-up >> There is a problem >> I am unable to pay...

 

Although PayPal is listed as a payment method, I cannot use it.

https://www.mql5.com/en/articles/302#deposit

 
Yusuke Goto #:
https://www.mql5.com/en/articles/302#deposit

This is an old article, PayPal is no longer a valid deposit method and should have been removed from that page as well.

Here are your currently available deposit methods: https://www.mql5.com/en/users/gosuke1986/accounting/topup

 
I'm trying to make withdrawals to my MASTERCARD and VISA cards, both of which are authorised. However, both are being denied. I no longer know how to request a withdrawal.
 
Daniel Pinheiro Bortolansa #:  I'm trying to make withdrawals to my MASTERCARD and VISA cards, both of which are authorised. However, both are being denied. I no longer know how to request a withdrawal.

Testimonial from a Brazilian who had similar problems and managed to resolve them:

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Discussion of the article "MQL5.community site payment system"

Samuel Manoel De Souza, 2025.10.01 00:35

I'm in Brazil and just tried again after a few months. The withdrawal to the Wise card worked.

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Discussion of the article "MQL5.community site payment system"

Samuel Manoel De Souza, 2025.10.03 14:35

Physical card.



Other Brazilians who managed to overcome the problem:

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PayPal withdrawal unavailable

Tiago Praxedes, 2025.04.26 22:05

I haven't used PayPal for a while now because of the fees charged and this unavailability that always occurs here on MQL5, I think it's due to contract renewal or something, it takes a while for them to regularise it.

The way I've been using lately and it's been working is to withdraw using the MercadoPago prepaid card (virtual card with credit function).


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PayPal withdrawal unavailable

Fabio Luis Pretti, 2025.07.03 21:54

I had the same problem, money stuck here on the platform due to PayPal, I recommend following Tiago's tip, using the Mercado Pago card, it works very well, it's just a little slower than withdrawing via paypal, because on the card you receive it as a "refund" so MP takes a while to release the money, but it's a very good alternative and extremely functional.



Other information (personal opinion):

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Discussion of the article "MQL5.community site payment system"

Miguel Angel Vico Alba, 2025.06.03 21:57

Hello everyone,

I've seen a lot of confusion and frustration from users in different countries about why certain payment methods are not available on MQL5.com, why card withdrawals fail in many regions or why bank withdrawals have such a high minimum. So I thought I'd share a personal perspective, based on experience and publicly available information.This is not official in any way, and I'm not trying to defend MetaQuotes. I'm just trying to clarify a few things that many users may not be aware of.

This is not a problem exclusive to the United States. People from Kenya, India, Argentina, South Africa and many other countries are affected by the same limitations. And often the reason lies not entirely with MetaQuotes, but with local laws, financial systems and payment networks.

Why isn't PayPal supported?

Many users have asked for PayPal, but using it would create several serious challenges for a platform like MQL5:

  • PayPal allows buyers to reverse payments (chargebacks) even long after a transaction. This is risky for digital products that cannot be returned.
  • PayPal has a history of freezing funds without warning when it detects what it considers irregular activity.
  • Fees are high, especially for international transactions.
  • MetaQuotes manages its own internal payment system, and using PayPal would limit its ability tocontrol disputes and account problems directly.
  • Certain trading-related services, such assignal subscriptions, may violate PayPal's Acceptable Use Policy.

In short, PayPal simply doesn't fit well with the way MetaQuotes operates.

Why can't users in some countries make withdrawals with their Visa or Mastercard?

This is a common problem not only in the USA, but also in places like Kenya, Argentina, India and others. Here are the main reasons:
  • Some countries have regulations that make it difficult or even illegal for residents to receive international payments on local cards.
  • In the US and some other regions, Visa/Mastercard personal accounts generally do not allow incoming payments from foreign companies. In the US, this is governed by the Bank Secrecy Act, and any company that wants to send funds to US-based cards must register as a money transmitter with FinCEN (Financial Crimes Enforcement Network).
  • MetaQuotes is not registered with FinCEN. This does not mean that they are doing anything wrong, it just means that they have not established a legal entity in the US to operate under US financial law. Doing so would be extremely complex and expensive, and is not part of their business model.
  • In many countries, banks or card issuers automatically reject payments from companies linked to trade or investment, sometimes for no clear legal reason.
So even if MetaQuotes wanted to offer card withdrawals everywhere, in many cases it simply cannot.

Why is the minimum amount for a bank transfer $3,000?

This is another frequent complaint, but there are some practical and legal reasons for this:
  • International bank transfers (SWIFT) involve various fees, from the sender's bank, the intermediary banks and the receiving bank. These fees can be substantial, making small withdrawals unprofitable for both the user and the company.
  • MetaQuotes must comply with anti-money laundering (AML) and know-your-customer (KYC) laws. This includes EU Directive 2015/849 and the FATF recommendations that apply globally. One way toreduce risk is to avoid large volumes of low-value transactions.
  • Processing many small transfers adds a significant administrative burden.
  • Setting a higher limit helps ensure that users make withdrawals more deliberately and efficiently.
Final remark

Once again, this is not intended to excuse anything. There are definitely things that MetaQuotes could improve, such as more flexible withdrawal options, better customer support and clearer communication. But it's also true that many of the obstacles users face come from outside the company, from national laws, financial regulations, banking policies and payment network rules.

Understanding this doesn't solve the problem, but it can help some people realise that the situation is more complex than it first appears. That in itself can help reduce some of the frustration.

If anyone has any more information or corrections to share, I'd be happy to read them. The more we understand, the better the decisions we can make.

Take care.


 
I don't understand why my comment was removed. I can't find an answer to my case. Complicated system here, eh? for God's sake!!!
 
Daniel Pinheiro Bortolansa #:
I don't understand why my comment was removed. I can't find an answer to my case. Complicated system here, eh? for God's sake!!!
Your question and detailed answers to it are located above in this topic.
This post has been edited for all versions of this topic except Português. This edit removed the links because the automatic translation can't handle them.
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