Please note that this policy strictly applies ONLY to clients who deposit funds using a Credit Card or Debit Card.

If you submit a withdrawal request on the same day as your card deposit, the financial transaction is handled via a standard banking compliance mechanism called Authorization Voiding (Offsetting). Same-Day funding movements via credit/debit cards do not undergo the traditional "charge then refund" sequence to maintain transaction integrity.

🔍 Understanding the Credit/Debit Card Principle: "Authorization" vs "Settlement."

• When you deposit via Credit/Debit Card: Your card-issuing bank initially only authorizes the transaction. This means the money is temporarily frozen/blocked from your available credit limit or account balance, but it has not yet been officially debited or transferred to VT Markets.

• When you withdraw on the same day: VT Markets will (cancel or reduce) that initial authorization. Your bank will simply release the blocked hold and restore your credit limit.

• The Result on Your Statement: Because the canceled portion of the transaction was terminated before final billing settlement, you will not see any separate transaction lines on your monthly card statement for the offset amount. The transaction is entirely adjusted at your bank.

📊 Comprehensive Card Scenario Examples

💡 Scenario A: Equal Card Deposit & Withdrawal on the Same Day (Full Offset)

• Your Action: You deposit $100 via your credit/debit card on 02/13, and change your mind, initiating a withdrawal of $100 later that same day.

• The Banking Process: The $100 card deposit authorization is completely voided and canceled by the system.

• What You Will See: Zero transaction records on your card statement. No money was actually left in your bank, and no money will be sent as a refund. Your bank simply unlocks the frozen $100 limit back into your card.

💡 Scenario B: Withdrawal is Greater than Same-Day Card Deposit (Same-Day Void + Alternative Payout)

• Your Action: On 09/05, you deposit $300 via your credit/debit card. Later that same day, you trade or utilize past balances to submit a total withdrawal request of $500

• The Banking Process:

  1. For the $300 card deposit made earlier that day, the system executes an immediate authorization void (cancellation). The bank releases the $300 hold back to your card limit (no statement record).

  2. Because card withdrawals are systemically capped at the initial deposit amount, the remaining $200 difference CANNOT be sent back to your card. This remaining balance will be automatically routed to an alternative method, such as a Bank Wire, Cryptocurrency, or E-Wallet.

• What You Will See: You will not see any $300 transaction on your card statement (the limit is simply unfrozen). However, you will see a successful payout credit of $200 arriving via your alternative method (Bank Wire/E-Wallet).

   

💡 Scenario C: Multi-Day Split Withdrawals (Same-Day Void vs. Next-Day Refund)

• Your Action: On May 26, you deposit $1,000 via a credit/debit card.

  • Later that same day (May 26), you submit a withdrawal of $600 via credit/debit card.

  • The following day (May 27), you submit another withdrawal for the remaining $400 via credit/debit card.

• The Banking Process:

  1. For the $600 same-day withdrawal (May 26): It triggers a "Partial Void." The system dynamically reduces the original $1,000 authorization down to $400. The $600 is completely offset on day one.

  2. For the 400 next-day withdrawal (May 27): Since it has crossed into the next day, the adjusted $400 deposit has already been officially charged and settled. Therefore, this $400 will be refunded, and will show on your credit card statement.