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.

Every payment method fails at once: card, Mastercard, Google Pay, Alipay. 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.

OpenRouter's crypto payment isn't working: I scanned the 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.

OpenRouter's crypto payment option is unavailable for my account: what else can I do?

The crypto option is missing or refuses to open for some OpenRouter accounts. Here is what that means, what an outside payment path can and cannot settle.

Phantom wallet won't connect on OpenRouter's Coinbase checkout. What can I do?

The wallet connector for OpenRouter's crypto top-up lives on a Coinbase page, not on OpenRouter. Quick checks for Phantom, and how to pay the link on Solana.

OpenRouter auto top-up says it is scheduled, but it never charges and no credits arrive. Why?

Auto top-up shows scheduled, then nothing is charged and no credits arrive. Usually the charge was quietly declined. Here is what to do instead.

My first OpenRouter payment went through, but the second one was declined. My card is fine. Why?

The first top-up worked, the next one is declined, and your card is normal. Usually a risk rule on repeat charges. Wait, pay once, and stop retrying.

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?

OpenRouter stuck on Processing for hours? The money is usually not lost. Confirm the charge, then escalate once with the reference: do not pay twice.

My exchange sent the crypto late, the Stripe checkout expired, and the funds were swept: is my money gone?

Paid an OpenRouter crypto checkout after the Stripe session timed out? The deposit address was swept and nothing credited. Here is the escalation path.

My OpenRouter gift card or redemption code was refused: can I get the value back?

A purchased OpenRouter gift card refused at redemption sits entirely inside OpenRouter's system. The support path, and why not to buy a second one.

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.

Why does OpenRouter return 402 spend cap or in-flight budget errors when I still have credits?

Spend cap exceeded or in_flight_budget_exhausted with a positive balance? Check the API key limit, org guardrails and concurrency before buying credits.

I have no credit card and my prepaid card is refused, only GCash or a local wallet. How do I pay for OpenRouter credits?

OpenRouter does not take GCash directly. Use it to buy a little USDT or USDC on a local exchange, then pay your OpenRouter link in about 30 to 90 seconds.

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.

My account was banned or region-restricted after I paid: 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.

My debit cards are declined and OpenRouter's crypto checkout returns 403: I already hold USDC. What now?

Both rails blocked: bank debit cards refused at OpenRouter checkout and a 403 on the crypto path, with USDC already in hand. How to tell which 403 you have.

I changed my login email and now my OpenRouter account is limited: what happened to my credits?

An account limited after a login-email change, with an old wallet and code-host login still attached. What to send OpenRouter support, and why not to pay again.

I got a 403 from OpenRouter after paying from a China-based account: would paying from abroad fix it?

Would an overseas payment method restore eligibility after an organisation-level 403? No. Here is why, and what to ask OpenRouter for instead.

My OpenRouter account was limited right after a crypto top-up and the balance is locked. What can I do?

Account limited after a crypto top-up, balance locked, refund ticket unanswered. What to put in the ticket, what not to do, and what only OpenRouter can fix.