Prepaid Credit
Your fiat reserve for platform fees. Load credit before going live. NoHoldPay deducts the fee from this reserve when each payment confirms.
Signup credit
New accounts get credit automatically:
- $100 in test mode
- $50 in live mode
That's enough to try the platform without topping up. At the default 0.5% fee, the live grant covers roughly your first $10,000 of processed volume. The grant amounts are admin-tunable, so the values you see at signup may differ if your platform admin has changed them.
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 | Signup welcome credit, 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.
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 $100 test grant at signup is enough to integrate end to end without ever topping up. If you run it dry, top up the test reserve the same way you top up the live one.