Adding Credits

Account credit is pre-paid balance that gets applied against your invoices before any card charge. Top up credit when you want to lock in spend ahead of time, cover a known monthly cost without a card hit each cycle, or pre-fund the account on behalf of a colleague.

• You need the billing, admin, or owner role on your organization. If you don't see an Add Credits button, ask your team owner to grant the role.
• You need at least one eligible saved payment method to top up - cards, PayPal, ACH bank transfer, and crypto all work. Direct Debit cannot be used for credit top-ups. 

1. In the sidebar on the left, find Billing and click it. The Billing accordeon opens.

2. Click on the Payment Settings button.

3. Scroll down past the Billing Address and Payment Methods cards until you see the Credits card.

The Credits card shows:

• Available balance - how much credit you have right now, displayed in your team's primary currency (typically USD).
• Use credits by default - a toggle that controls whether credit is automatically applied to new invoices.
• Add Credits - a button (with a plus icon) in the top-right of the card.

1. Click the Add Credits button in the top-right of the Credits card. A modal pops up titled Add Credits.

The modal has three things to fill in:

• An Amount field 
• A Payment method dropdown
• A Pay button at the bottom

1. Click into the Amount field.
2. Type the amount you want to add - for example 50 for $50, or 250 for $250. The label next to the field shows the currency (usually USD).

The minimum top-up is 1.00. If you type less than that, the Pay button stays disabled.

1. Click the Payment method dropdown. A list of your saved methods drops down.
2. Each option shows the brand icon and a label - either the card last 4 (e.g. Visa •••• 4242), the PayPal email, or the nickname you gave the method when you added it.
3. Click the method you want to use. The dropdown closes and the method appears as the selected option.

Things to watch for:

• Ineligible methods (e.g. Direct Debit) are dimmed and can't be selected. Hovering them shows a reason - for example Direct Debit cannot be used for credit top-ups.
• Crypto has a $1.00 minimum. If your amount is below that with crypto selected, the modal warns you and disables the submit button.

The action button at the bottom of the modal updates to reflect your choice - for example:

• Pay $50.00 for a card or PayPal
• Pay $50.00 via bank transfer for ACH
• Pay $50.00 with crypto for BitPay

1. Click the Pay button at the bottom of the modal.

What happens next depends on the method you picked:

• Card or PayPal: the charge happens immediately. The modal closes, your balance goes up by the amount you added, and a small toast at the bottom of the screen confirms Added $50.00 in credit.
• Bank transfer (ACH): the modal closes and a toast confirms the bank transfer has been initiated. ACH transfers settle in 3–5 business days, so the credit will only appear on your balance once your bank confirms the transfer.
• Crypto (BitPay): a new browser tab opens with the BitPay hosted checkout page. Send the payment as you would for an invoice - see Paying with Cryptocurrency. Credit appears once the blockchain confirms the payment (usually 5–15 minutes).

Back on the Credits card you'll see a toggle: Use credits by default.

• When on, any available credit is automatically applied to new invoices before charging your payment method. The Apply $X.XX from credits checkbox in the Pay Invoice modal will already be ticked for you.
• When off, credit is never applied unless you tick the box yourself at pay time.

Click the toggle to flip it on or off. The change is saved immediately.

You can always override the default on a per-invoice basis by ticking or unticking the credits box in the Pay Invoice modal - useful if you want to pay one specific invoice without dipping into credit.

• The new credit balance appears immediately on the Credits card for instant methods (card / PayPal), or once the deferred payment confirms for ACH / crypto.
• When you next pay an invoice, the Pay Invoice modal shows an Apply $X.XX from credits checkbox at the top - already ticked if Use credits by default is on.
• Credit can fully cover an invoice on its own. If it does, you don't need to also select a payment method - the Pay button changes to Apply credit.
• Credits issued by Synteq support (refunds, goodwill adjustments, plan corrections) appear in the same balance and behave identically to credits you topped up yourself.