Docs · Payments and credit
Top up with a card
Add USD credit with a card, Apple Pay, Google Pay or a local e-wallet; you pay on the Waffo checkout that the Wallet page opens.
Where you pay
TopxAI does not take card details. When you pick Card / local payment on the Wallet page and click Continue to Waffo checkout, TopxAI creates an order and opens Waffo's own hosted checkout (checkout.waffo.ai or pancake.waffo.ai) in the same tab. Waffo is the merchant of record: it handles tax and takes cards, Apple Pay, Google Pay and local e-wallets. Its page opens in the language you use on TopxAI (English, Chinese or Russian). You need no account other than your TopxAI one.
Steps
- On Wallet, in the Top up panel, pick Card / local payment under Payment method.
- Enter Amount (USD) or use a preset ($10, $25, $50, $100); one payment is $10.00 to $10,000.00.
- Click Continue to Waffo checkout and pay on Waffo's page.
- Waffo does not send you back by itself. Click the button on its page to return to TopxAI. You land on Wallet with Order details open for this order; it refreshes every 10 seconds while the order is Awaiting payment.
If you close Waffo's page instead, the payment is still credited. To see the order, find it under Top-up records and click Details.
How the balance arrives
Your balance grows by the USD amount you entered plus the top-up bonus the panel shows before you pay: 3–12% by amount, and 10% more on your first top-up. Where tax applies, Waffo adds it to the total on its page. Tax is not credited.
Returning from Waffo credits nothing by itself. Waffo sends TopxAI a signed notice, and TopxAI then reads the order back from Waffo. It credits only when the order number, the exact amount before tax and the currency (USD) match and the payment has succeeded. This usually takes less than a minute. TopxAI also reads every order awaiting payment back from Waffo about once a minute, so a payment whose notice is lost is still credited. When done, Order details reads Payment confirmed with the amount added, and the order shows Credited under Top-up records.
Pending and expired orders
An order stays Awaiting payment until the Checkout expires time in Order details, 60 minutes after you created it by default. Waffo's checkout closes at the same time. Continue payment reopens the same Waffo page in a new tab. Do not start another order after paying; at five unexpired orders awaiting payment, a new checkout is refused and the panel shows "Could not create checkout. Try again or contact support."
After the deadline the order turns Expired, Continue payment disappears, and Order details reads The checkout expired: "Nothing was credited. If you paid before it closed, the order is still checked and credited once the provider confirms." A payment made just before the deadline is still credited once Waffo confirms it, and the status changes to Credited. Waffo's notice usually brings it in; without it, expired orders are checked again only every six hours. Click Check payment to ask Waffo at once. If the order was checked in the last 30 seconds, the dialog says "A recent check is already saved. Wait 30 seconds before checking again." Each account can check 20 times in 20 minutes, and checks on a plan payment count toward the same limit.
If Waffo reports a refund or dispute after crediting, the order shows Review required under Top-up records (Order details says Payment requires review, reason Refund or dispute) and support reviews it by hand. For that, for refunds, or if money left your account without credit, contact support with the Order ID: the help button at the bottom right of the site, or support@topxai.xyz. Per the User Agreement, applicable law and the verified payment status govern refunds.
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