Mercurie engineering update

Virtual Cards Pilot & Improvements

Card access, wallet funding, compliance, customer outreach, and billing.

Virtual cards Wallet funding Compliance Outreach Billing

Overview

What we worked on.

01 Cards app and services

Card access, funding handoff, balances, withdrawals, and notifications.

 02 Dashboard

The app now surfaces card tasks and verification context.

 03 Virtual cards

The pilot has a dedicated card surface with balances and actions.

 04 Wallet funding

Reservations, top-ups, conversion handoff, and transfer support.

 05 Compliance

KYB/KYC retry, save, resume, and review improvements.

 06 Outreach and billing

Customer feedback is being collected while billing displays get cleaned up.

 07 Billing screen

Subscription billing stays visible for customers.

Cards app

Virtual cards are usable in the app.

NGN card access

Card access now loads for HostSpace Cloud, including refresh and retry paths.

Funding handoff

Wallet funding CTAs route customers to the right funding or conversion step.

Card management

The pilot includes card list state, status, masked card numbers, PIN action, and card-specific balances.

Backend support

Provider funding checks, balance refresh, withdrawals, and lifecycle notifications now support the pilot flow.

Cards app

Card tasks appear in the dashboard.

Mercurie dashboard showing the card identity verification task
Dashboard: card identity task and compliance entry point for HostSpace Cloud

Cards app

Virtual cards have a dedicated surface.

Mercurie virtual cards page showing wallet balances, card list, and new card action
Virtual Cards: NGN wallet ₦693.38, card balances ₦1,494.62 / $9.20, and active card rows

Wallet funding

Wallet funding is more consistent.

Reservations

Wallet funding uses reservation-aware balances and handles mismatched reservation replays.

Top-ups

Card top-ups allow valid remainder amounts while keeping initial funding rules separate.

Conversions

NGN card funding can hand off through USD conversion when that is the correct path.

Owned transfers

Private owned-wallet transfer support was added as a foundation for internal wallet movement.

Wallet funding

Wallet actions support the card flow.

Mercurie wallet page showing fund, refresh, convert, transfer, and withdraw actions
Wallet: ₦693.38 NGN wallet, $0.00 USD wallet, and recent wallet/card funding transactions

Compliance and KYC

Compliance flows were tightened.

Save and resume

Compliance progress can resume cleanly after users return from card-related steps.

KYB submit

Organisation KYB submission now has a cleaner customer path.

Retry design

KYC replay retry has a clearer flow so retries stay deliberate and traceable.

Review actions

Compliance review actions now give support clearer next steps.

Compliance and KYC

Compliance explains what unlocks cards.

Mercurie compliance page showing verification options and card unlock guidance
Compliance: identity verification unlocks card creation; full business verification unlocks higher limits

Customer outreach

Customer outreach and billing cleanup are in progress.

Pilot emails sent

Virtual-card pilot emails have been sent to customers in the current outreach batch.

Feedback loop

We are collecting customer feedback from the outreach before expanding the next batch.

Invoice routing

Invoice CTAs route to invoice pages instead of less-specific subscription paths.

Settlement checks

Invoice settlement amounts now have additional checks before they are applied.

Imported invoices

Imported invoices are used for active-service billing where they are the better source.

Recurring bills

Recurring bill displays were adjusted so order amounts do not appear in the wrong estimate.

Billing and invoices

Subscription billing stays visible.

Mercurie subscriptions page showing subscription cards, next bill, outstanding balance, and active service table
Subscriptions: recurring total, next bill, outstanding balance, and active service status

Summary

Ready for focused pilot use.

The main checks are card access, wallet funding, compliance resume, provider balance behavior, and customer feedback.