Help Center

Why does OpenRouter keep declining my prepaid or virtual card?

Prepaid and virtual cards (RedotPay, Mercado Pago, etc.) are commonly declined by OpenRouter's card processor. Here's why, and what to do instead.

My Chilean/Argentinian card is declined every time — is this a regional block?

Cards from Chile, Argentina, and other Latin American countries are frequently declined by OpenRouter's processor. Here's why and what to check.

My card was declined and I think a VPN set the wrong billing country

A VPN can make checkout detect the wrong billing country, triggering sanctions-style declines even on a valid card. Here's how to fix it.

My card worked fine last week — why is it suddenly declined every time now?

Nothing changed on your end but a previously working card now fails every time? This is usually a processor-side issue, not your bank.

Card, Google Pay, and Alipay all failed at once — what's going on?

When several unrelated payment rails fail together on OpenRouter checkout, it usually points to the payment layer, not any one method.

I got rate-limited after too many failed payment attempts — now what?

Repeated card declines can trigger a retry limiter, not a separate account block. Here's why retrying makes it worse and what to do instead.

My wallet clearly has funds but checkout still says 'insufficient funds' — why?

'Insufficient funds' often means the wrong token or chain, not an actual empty wallet. Here's how to check what checkout is really asking for.

I scanned the crypto payment QR code and nothing happened — is it broken?

A QR scan that 'does nothing' is usually an expired session or a chain mismatch, not a broken payment. Here's how to check.

The 'Add Credits' button does nothing and my browser console shows a Stripe error

A Stripe error before checkout even opens means it's failing before payment, not your card. Here's what to try.

I sent USDC on Polygon and my OpenRouter balance never updated

Your USDC transfer confirmed on-chain but the credits never landed on OpenRouter. Here's what to check and how to open an actionable support ticket.

My Solana USDC/USDT payment confirmed on-chain but no credits showed up

A Solana transfer that confirmed but didn't credit your account is usually unmatched, not lost. Here's how to check and what to do next.

My bank statement shows the charge but OpenRouter credits never appeared

Your card was charged but the credit balance never updated. Here's how to reconcile it and what information support needs.

I was charged more than what landed in my account balance

Your charge amount and your credited balance don't match. Here's how to check for an invoice and get it reconciled.

My payment has been stuck on 'Processing' for hours — is my money lost?

A checkout stuck on Processing usually isn't lost funds — here's how to check what actually happened and get it reconciled.

My OpenRouter refund has been pending for 20+ days — what do I do?

Refunds normally land within a few business days. If yours has been stuck for weeks, here's how to escalate it properly.

I requested a refund for my card payment — how long should it take?

Card refunds typically take longer on your bank's end than the merchant's. Here's the normal timeline and when to escalate.

My unused OpenRouter credits were wiped after 365 days — can I get them back?

OpenRouter clears unused prepaid credits after 365 days without warning. Here's what you can realistically do about it.

I don't have a card — only GCash or a local wallet. How do I pay for OpenRouter credits?

OpenRouter's checkout only takes card and crypto — GCash and similar local wallets aren't accepted directly. Here's the workaround.

Does OpenRouter support PayPal? My card keeps getting declined.

OpenRouter doesn't currently support PayPal. Here's what payment options exist if your card is being declined.

I already paid for credits but my account got region-blocked — can I get the money or the credits?

If your OpenRouter account is blocked by region after you already paid, here's what to do — and what not to do.