Once you submit a swap on Swapio, you want to know when the money hits your account. Here's a realistic timeline for each stage — from order code to cash in hand.
Order code: instant
The moment you hit "Submit Swap," you receive your order code (SWP-XXXXXX). Save it — you'll need it if you contact support.
Verification: 1–4 hours
Our team checks that your card is valid, the balance matches, and it hasn't been reported lost or stolen. Most cards verify within a few hours. Complex cases or high balances may take slightly longer.
Payout by method
- PayPal, Venmo, Cash App, Zelle: Usually within hours of verification
- Bitcoin: Sent after verification; blockchain confirmation time varies
- Bank Transfer (ACH): Typically same day to one business day depending on your bank
What can slow things down?
- Incorrect card number or PIN
- Card already redeemed or zero balance
- Wrong payout account details
- Submissions outside business hours (still processed, may start next morning)
Still waiting?
Contact us through the Reach Us page with your order code. We'll look into it and get back to you quickly.