Credits & Top-up
A prepaid USD credit balance that pays platform fees and add-ons as you go - topped up by card, crypto, or UCASH, never overdrawn, never a hold on your funds.
What the credit balance is
Your credit balance is a prepay for platform costs, not a wallet: funds from your customers always settle directly to your own addresses. Credits are kept with sub-cent precision for micro-billing (per-action AI charges, relayer gas) and are non-withdrawable - they can only be spent on platform usage.
New accounts start with a small amount of starter credit so you can test end to end before paying anything (agent accounts start with more).
What credits pay for
- Platform fee on every settled payment - a tiered percentage that falls with volume: 0.50% under $100 down to 0.20% at $5,000+ per transaction, with a small minimum per payment
- UCASH discount - hold UCASH and your fee drops in bands (10% at 1k UCASH up to 50% at 210k), applied on top of the volume tier
- Lander slots - your first 10 landers are free, then reusable packs from $1 (single) to volume packs
- x402 relayer gas - on relayed agent settlements, gas plus a 21% premium is debited from credit (see Agents & x402)
- Custom domains - $0.50/month per domain, billed from credit
- Staff seat slots - additional staff roles beyond your plan's included seats
- AI usage - per-action charges for U.CASH AI features ride the same balance
Topping up
Open Account → Credit Balance for the tabbed Add Funds card: presets ($10 / $20 / $50 / $100) or a custom amount from $5, paid by any enabled rail; or top up with UCASH (minimum 1 UCASH). Every account also gets an embeddable Add Funds module - see Embed, API & SDKs.
The funding ladder
Lifetime funding permanently unlocks console features, tier by tier:
| Lifetime top-up | Unlocks |
|---|---|
| $5 | Brand name |
| $10 | Invoicing & tax lines |
| $15 | Pay-page logo |
| $20 | Custom colors |
| $25 | Custom CSS |
| $30 | Checkout custom fields |
| $35 | Required customer details |
| $40 | Customer-paid flat fee |
| $45 | Per-checkout fee overrides |
| $50 | Custom domain ($0.50/month after) |
Tiers unlock identically through UCASH Holdings (Account → Holdings): link an ETH wallet with a MetaMask signature, and your tier is re-checked at each login - no cash funding required.
The credit guard
Two rules keep credits boring:
- The balance is sacrosanct: fee metering can never overdraw it - a debit collects only what the balance covers and waives the rest, with the waiver audited
- Buyers are never stranded: if your balance cannot cover the fee for a new checkout, that checkout is politely declined at creation and you are emailed to top up - but payments already in flight always complete, and settled funds always reach your wallets
You will also get a low-balance warning email when credit runs low.
UCASH: two prices
UCASH redemption and billing use a live two-price feed: the market rate (break-even - what redemptions credit) and the usage rate (market plus a small premium - what valuations display). The UCASH discount on fees and the redemption credit both read from this feed.