# Top-ups, invoices and payment methods

Source: https://help.didit.me/billing-credits/top-ups-invoices-and-payments
Updated: 2026-10-12

How to add credit to your Didit balance, which payment methods are supported, how auto top-up works, and where to find your receipts and invoices.

Press **Top up** in **Settings → Billing and plan**. Minimum **$50**, tax added by
billing address. Card, SEPA, US ACH and crypto are supported; PayPal is not. Turn
on **auto top-up** so you don't hit zero mid-traffic.

[Video: How billing works: credits, auto-recharge and volume discounts - Didit Academy](https://www.youtube.com/watch?v=Ayd_3E_Llks&t=40)

You add funds to your Didit balance from **Settings → Billing and plan** in the console at [business.didit.me](https://business.didit.me), or programmatically through the [top-up API](https://docs.didit.me/management-api/billing/top-up). Each top-up has a **$50 minimum**, and tax is added automatically based on your billing address.

## Payment methods

| Method | Supported |
|---|---|
| Card | Yes |
| SEPA direct debit | Yes |
| US bank account (ACH) | Yes |
| Cryptocurrency | Yes |
| PayPal | No |
| Bank transfer for larger amounts | Enterprise, via your account manager |

![The Billing overview in the Didit console with the balance, auto top-up, this month's spend and the payment method](https://help.didit.me/screenshots/billing-credits-light.webp)

*Balance, auto top-up, billing details and how you pay live on one page.*

Payments are processed through Stripe.

> **Note:** If your organization is on an annual plan, top-ups go through your account manager
> rather than the self-serve flow. A self-serve attempt will tell you to contact them
> rather than failing silently.

## Auto top-up

To avoid running out of credits mid-traffic, turn on **auto top-up** in **Settings → Billing and plan**: set the balance it should trigger at (between $20 and $2,000) and how much it adds (between $50 and $2,000). It needs a saved payment method, which you save by paying a top-up by card. With a saved payment method (card, SEPA, or US ACH), Didit charges that method for a set amount whenever your balance drops below a threshold you choose.

This is the single most useful billing setting to enable, because a balance that hits zero blocks **all** billable work once your monthly plan credit is used up, until it's topped up.

## Features that unlock with your first top-up

**Phone verification and database validation only activate once your organization has made a first top-up.** Free or promotional credit doesn't count as a top-up for this purpose.

Until that first top-up, a workflow that includes one of these features will skip it or fail the request - a session can even come back approved with its database validation step silently not performed. If a feature you configured isn't running and you've never topped up, this is the first thing to check.

## Checking your balance

Your current balance is in **Settings → Billing and plan**, and readable programmatically from the [balance endpoint](https://docs.didit.me/management-api/billing/balance). It updates in real time as verifications are billed and as top-ups settle.

If you're monitoring it from your own systems, alert on a threshold rather than on zero - by the time it reads zero, requests are already failing.

## Receipts and invoices

Every top-up, automatic top-up and plan charge has a receipt you can download as a PDF under **Settings → Billing and plan → Receipts**; balance adjustments and failed charges are listed without one. On Enterprise invoicing, an **Invoices** section above the receipts lists your invoices, with their status and a way to pay them online. See [the Billing and plan page](https://help.didit.me/billing-credits/billing-and-plan-page).

Receipts come from charges: your first top-up adds the first one. If you haven't made a top-up yet, there's nothing to show - which is expected rather than a missing invoice.

Billing and invoice visibility is **controlled by role**: included for **Owner** by default, and an organization owner can grant it to a custom role. If a teammate can't see invoices, check their role before reporting it. See [inviting team members and setting roles](https://help.didit.me/account-organization/team-members-and-roles).

## A top-up that hasn't appeared

Card payments settle quickly; SEPA and ACH do not, and crypto depends on confirmations. Before reporting a missing top-up, check whether the method you used is one that settles on a delay.

If a card payment shows as taken and the balance hasn't moved after a few minutes, that's worth reporting - include the payment reference.

## Refunds

Credit purchases are non-refundable. Since top-ups last 12 months, and balance bought before November 1, 2026 never expires, any balance you've added stays usable for a long time - see [how pricing and credits work](https://help.didit.me/billing-credits/how-pricing-and-credits-work).

## Capping spend during testing

The reliable way not to spend money while integrating is not a limit - it's a **sandbox application**, where billing is bypassed entirely. If you need a hard ceiling on a live application as well, ask support what's available for your organization. See [testing in sandbox](https://help.didit.me/getting-started/sandbox-and-testing).

## If a session is being blocked

See [fixing a "not enough credits" error](https://help.didit.me/billing-credits/not-enough-credits) - the cause is usually a paid feature in the workflow rather than the balance itself.