Prepaid Credit
One available balance for platform fees and platform-charged network costs. Fund live usage and check first-top-up promotion eligibility before sending.
Test credit and the first-top-up offer
Your initial business receives the configured test welcome credit at signup, when enabled. Test credit remains separate from live credit. New accounts do not receive an automatic live signup grant.
When the first-top-up promotion is enabled, an eligible new account receives the configured match on its first qualifying confirmed live top-up. The Prepaid Credit page and top-up dialog show the current match percentage, minimum qualifying top-up, maximum bonus, and offer currency. These terms use the offer currency shown, independently of your dashboard display currency. The credit added to your ledger uses its stored balance currency.
Email verification is required before promotional credit is added. If a qualifying top-up confirms first, its promotional match waits for verification. Your paid top-up remains available while the promotion is pending or under review. Deposits below the qualifying minimum do not consume the offer. Eligibility is shared across linked businesses, so another business does not create another match. Accounts funded before the offer launched and accounts that received a previous live welcome grant are not eligible for another introductory credit.
You see one available balance for platform fees and platform-charged network costs, including gas. You do not allocate funds between fees and gas. Internally, paid and promotional credit remain identifiable for refunds and reversals. Charges use paid and promotional credit proportionally to the available amounts, then use whichever credit remains. A promotional portion running out does not make otherwise available credit unusable.
Promotional credit is not refundable or transferable. On account closure, unused paid credit is refunded under the Terms of Service, and promotional credit, used or unused, is excluded from any refund. Credit recorded before October 12, 2026, when paid and promotional credit started being recorded separately, is reviewed manually before the refundable amount is determined. That applies to top-ups and adjustments alike. Reversing the qualifying deposit also reverses its linked promotional match, which can leave a negative balance if credit has already been spent. Disabling the promotion pauses pending matches but does not stop paid top-ups or remove credit already granted.
Each business has its own test and live reserves. See Multiple Businesses.
How fees work
When a payment reaches confirmed, NoHoldPay deducts the platform fee from your Prepaid Credit. Customer funds go directly to your wallet. The fee is separate.
Default fee: 0.5% per confirmed payment, with no fixed component. Custom rates are available per merchant or per (merchant, chain). Contact support if you need a different rate.
For forwarder-based and gasless payments, NoHoldPay may pay the network fee first and then charge the actual cost to your Prepaid Credit as a separate gas passthrough entry in your ledger.
What happens at zero credit
| Situation | Result |
|---|---|
| Creating a new payment with zero credit | Blocked with 402 INSUFFICIENT_BALANCE |
| In-flight payment confirming with zero credit | Confirms anyway. Credit can go negative. |
| Credit below the warning threshold | Dashboard banner appears |
In-flight invoices never stall on low credit. The fee deduction still happens at confirmation, even if it pushes your credit negative. Top up to clear the deficit before creating new payments.
Top up your credit
Tap one of the preset amount chips or enter a fiat amount. Preset amounts adapt to your display currency (US merchants see $25, $50, and $100, while other currencies see local-equivalent amounts at the current FX rate).
Send the displayed crypto amount to the address shown. Use the QR code on mobile. On chains that show a destination tag, memo, or comment next to the address, include it - the deposit needs it to credit your account.
On confirmation, the fiat equivalent is credited at the spot rate at the moment the deposit
confirms. If rates are temporarily unavailable, the deposit stays in confirming and credits as
soon as a rate is available again.
The top-up address is dedicated per (merchant, chain). Send to it as many times as you want without regenerating. If the top-up address is ever rotated, the dashboard surfaces a Top-up address updated banner. The old address keeps crediting pending transfers, but new deposits should use the new address.
Supported top-up coins
Top-up availability varies by chain. The dashboard's top-up dialog shows the chains and coins currently available for top-up. The API endpoint GET /api/v1/topup/addresses returns the same list.
Stablecoins (USDC, USDT, PYUSD, EURC) are the most predictable choice: their price barely moves, so the credited amount closely tracks what you sent. All deposits, stablecoin or native, credit at the market rate in your display currency at confirmation, so non-USD merchants still see normal currency conversion on USD stablecoins.
Transaction history
The Prepaid Credit page shows every credit and debit. Columns: Date, Type, Reference, Amount, Balance after. In the dashboard, fee deductions display as Payment fee and gas passthrough as Network fee.
| Entry type | What it is | Direction |
|---|---|---|
| Deposit | Crypto top-up credited at confirmation | Credit |
| Fee deduction | Platform fee deducted when a payment confirms | Debit |
| Gas passthrough | Operator network fee for per-payment forwarder sweeps (CREATE2 and PDA) or gasless transfers (at cost) | Debit |
| Manual credit | Test welcome credit, a first-top-up promotional match, or a support-issued credit | Credit |
| Manual debit | Support-issued correction | Debit |
| Reversal | Top-up undone by a chain reorg (clawed back as a debit), or a gap-filler charge auto-refunded (returned as a credit) | Either |
Each Fee deduction row links to the payment it was billed against. Deposits link to the on-chain transaction. The first-top-up match appears separately as First top-up promotional match, while the available balance includes both the paid deposit and its bonus.
Test mode
Test mode uses a separate Prepaid Credit reserve from live mode. Fees still deduct from the test reserve on every confirmed test payment, so the same INSUFFICIENT_BALANCE rules apply. The configured test grant is added at signup, before email verification. If you run it dry, top up the test reserve the same way you top up the live one.