# Add funds to your account

> Top up your account credit with Bitcoin or USDT (TRC-20) so renewals pay themselves. Amounts, limits, what credit pays and what happens to an unpaid top-up.

Source: https://rack4.io/help/add-funds · Updated: 2026-10-21

To add funds, open **Billing → Add funds**, pick an amount from $5 to $1,000, choose Bitcoin or USDT (TRC-20), and pay the invoice it makes. Once the payment confirms, the amount is added to your account credit, and every new invoice (renewals, add-ons, new servers) is paid from that credit first.

## What you need

- A [confirmed email address](https://rack4.io/help/verify-your-email). The page tells you to confirm it first if you haven't.
- The owner, an admin or a billing member of the account (see [teams](https://rack4.io/help/teams)).
- Orders open: top-ups are only offered while we take orders.

## Add funds

1. Open [Billing → Add funds](https://my.rack4.io/billing/add-funds).
2. Under **Choose an amount**, pick $10, $25, $50 or $100, or type another amount in **Or another amount (USD)**. A typed amount wins over the one picked.
3. Under **Pay with**, choose Bitcoin or USDT (TRC-20). Only the ways to pay that are switched on are listed.
4. Choose **Continue to payment**.

[Screenshot: The Choose an amount form with $25.00 picked, a box for another amount, Bitcoin under Pay with, and the Continue to payment button outlined] Pick an amount, pick how to pay, then continue. You get an invoice for that amount.

You land on a top-up invoice for the amount, with its checkout ready. Pay it as you would any invoice: [Payment methods](https://rack4.io/help/payment-methods) walks through Bitcoin and USDT (TRC-20).

## Check it worked

When the payment confirms, the invoice shows **paid**, your **Account credit** on the billing overview goes up by the amount, and we email you a receipt that says the amount was added to your credit. The bell in the panel shows "$25.00 added to your account credit" (or your amount). [Credit history](https://rack4.io/help/credit-history) gets a **Top-up** line linked to the invoice.

A Bitcoin payment counts once it confirms on-chain, which can take a while. A USDT payment on Tron usually confirms in under a minute.

## What credit pays

- Each new invoice takes what it can from your credit first: renewals, add-on changes and new servers. Whatever is left, if anything, is what you pay.
- Credit that arrives while an invoice is open pays it straight away, oldest first.
- Credit never pays a top-up. That would only move money around.
- Credit pays Rack4 invoices only. It isn't paid out, and it can't be moved to another account.

## Limits

| Limit | Value |
| --- | --- |
| Smallest and largest top-up | $5 to $1,000 |
| Unpaid top-ups at once | 3 |
| An unpaid top-up lapses after | 7 days, with nothing charged |
| Add-funds requests | 10 an hour per account |

Unpaid top-ups are listed under **Unpaid top-ups** on the same page, each with a **pay** link:

[Screenshot: The Unpaid top-ups table with one open $50.00 top-up invoice and its pay link] An unpaid top-up waits here for 7 days, then lapses.

## Refunds and reversals

A top-up isn't covered by the [money-back guarantee](https://rack4.io/help/money-back-guarantee), which is for your first server order. If you think you're owed some of your credit back, [open a billing ticket](https://my.rack4.io/support/new?category=billing) and we'll look at it.

## Troubleshooting

- **"Confirm your email address first"**: open the link in the confirmation email, or send a new one from the banner at the top of the panel.
- **"Type an amount in dollars, like 25 or 25.50"**: the typed amount wasn't a dollar amount between $5 and $1,000.
- **"You already have 3 unpaid top-ups"**: pay one of them from the **Unpaid top-ups** list, or wait for one to lapse.
- **"That payment method is not available right now"**: the top-up invoice was still made. Open it from **Unpaid top-ups** in a minute and choose how to pay there.
- **"Too many tries in a short time"**: more than 10 add-funds requests in an hour. Wait, then try again.

## Next steps

- [Your billing overview and upcoming charges](https://rack4.io/help/billing-overview)
- [How account credit works](https://rack4.io/help/account-credit-and-invoices)
- [Pay for a VPS with Bitcoin](https://rack4.io/bitcoin-vps)
- The API does the same with `POST /api/v1/billing/topups`; see the [API reference](https://my.rack4.io/api). From a terminal, `rack4 billing topup 25` makes the invoice and prints its checkout link ([rack4 CLI cheat sheet](https://rack4.io/help/rack4-cli-cheat-sheet)).