If clicking 'Add Credits' does nothing and your browser console shows a Stripe API error, the failure is happening before you ever reach a payment form — so it isn't your card, your bank, or anything you did. No amount of retrying or clearing your cache will move it if the call itself is failing.
Two things sometimes clear it: try an incognito window with extensions disabled (an ad blocker eating the Stripe script produces exactly this symptom), and if you're on a VPN, drop it for one attempt. If neither works, it's a server-side issue and only OpenRouter's own support can resolve it.
Crypto payment doesn't touch this checkout flow at all, so it's unaffected by whatever's causing the Stripe error. ROZO Checkout works with BTC Lightning, USDC, USDT and more against an OpenRouter link for a 1% fee — a separate route, not a fix for the button itself. ROZO is independent and not affiliated with OpenRouter or Coinbase.