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XCoins: Simple Way To Buy Bitcoin Online With a Credit Card

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It’s safe to say that cryptocurrencies have come a long way in the past couple of years. Not so long ago, it was very challenging, if not impossible, to buy Bitcoin using a credit card.

Users had to go at extra lengths to be able to purchase BTC, but that’s no longer the case. There are plenty of ways and companies that allow retail investors to buy cryptocurrencies using traditional payment methods such as bank wire or even a credit card.

XCoins is one such platform – it allows its customers to buy a few different cryptocurrencies quickly, using only their debit card.

What is XCoins?

Xcoins is a platform that was founded back in 2016, and it allows users to buy Bitcoin and a few other cryptocurrencies quickly, using a standard Visa or MasterCard debit or credit card.

According to the official website, they’ve already facilitated the exchange of more than $250 million in digital cash for over 250,000 users across 167 countries.

One of the more exciting things about XCoins is the delivery guarantee. Basically, the team promises that the bitcoins you purchase will be in your wallet 15 minutes after successfully making the payment. If this isn’t the case, the following transaction will be entirely free from fees.

How Does it Work?

To use the platform, buyers would first have to create an account. The process is relatively simple, and it involves three basic steps.

There’s a verification procedure that gives an additional sense of security.

Once the account is created, users can proceed to buy the selected cryptocurrency. At the time of this writing, XCoins supports Bitcoin (BTC), Ripple (XRP), Ethereum (ETH), Bitcoin Cash (BCH), and Litecoin (LTC).

Following a successful debit or credit card payment, the cryptocurrency will be sent to the user’s wallet within 15 minutes of the payment approval.

The buying process itself is rather easy and can be summarized in a few very simple steps.

  1. First, the user has to select the cryptocurrency they’d like to buy.
  2. Next, they’d have to specify the amount they want to buy and click on the ‘buy’ button.
  3. Third, they’d have to enter the address of their wallet where they want to receive the crypto.
  4. After that, they’d have to fill out the payment details and click on the ‘buy now’ button.

It’s important to note that some cards might be protected with a 3D password where they’d have to either receive a confirmation call, a push notification, or a code sent to their phone.

Once the above steps are completed, the card processor will start handling the transfer, which normally takes a few seconds or minutes. Once the payment is approved by the provider and the user approves it from the email confirmation they receive from XCoins, the cryptocurrency will be sent within 15 minutes, and the buyer will be able to track it on-chain.

Additional Details

There are a few more things to be considered before buying Bitcoin through the platform. Right off the bat, it supports two fiat currencies at the moment – the US Dollar and the Euro. The minimum order size is set to $50 or EUR 50. XCoins supports 167 countries.

As mentioned above, the platform supports both VISA and MasterCard debit and credit cards. They are currently unable to accept payments from American Express, PayPal, or Discover.


XCoins appears to provide a very straightforward and easy way for users to buy Bitcoin & crypto. It brings forward a convenient bridge for those who want to convert their fiat into Bitcoin and doesn’t require any prior knowledge.

All the user needs is a debit or credit card and a secure cryptocurrency wallet to store their digital assets.

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