BitMEX returns the crypto to your wallet if a payout fails. Mercuryo will first send a notification with the failed transaction status. BitMEX will then send a deposit notification to show the funds are returned to your wallet. Common causes for failure include incorrect bank details, card restrictions, or regional payment limitations. For more details, read this article.
If your payout is delayed beyond the estimated processing time, contact the BitMEX support team, available 24/7. Rest assured that no funds are lost during a failed transaction — the crypto remains in your BitMEX wallet until you initiate a new sale.