OpenRouter payment problems, by symptom

Pick the symptom that matches what you are seeing. Each one links to the full answer. Causes listed are things to check, not confirmed diagnoses.

What OpenRouter itself accepts

OpenRouter states it accepts all major credit cards, AliPay, and cryptocurrency payments in USDC, and says PayPal is not integrated yet.
OpenRouter states a fee on credit purchases: 5.5% (minimum $0.80) when buying through its card checkout, and 5% for crypto.
OpenRouter states it reserves the right to expire unused credits one year after purchase.
Any minimum top-up amount is set by OpenRouter on the payment link it generates. ROZO settles that link, so it cannot lower or bypass the minimum.

Source: OpenRouter's own FAQ. These are OpenRouter's terms, not ours, and OpenRouter can change them — check the FAQ before you rely on any of it.

Find your symptom

We can help you finish the payment

These are payment problems a crypto payment against an OpenRouter payment link can get past.

Card / payment declined

Why does OpenRouter keep declining my prepaid or virtual card?My Chilean/Argentinian card is declined every time — is this a regional block?My card was declined and I think a VPN set the wrong billing country My card worked fine last week — why is it suddenly declined every time now?Card, Google Pay, and Alipay all failed at once — what's going on?I got rate-limited after too many failed payment attempts — now what?My wallet clearly has funds but checkout still says 'insufficient funds' — why?I scanned the crypto payment QR code and nothing happened — is it broken?The 'Add Credits' button does nothing and my browser console shows a Stripe error

If every card keeps failing, paying the OpenRouter payment link with crypto skips the card processor.

Country & payment-method limits

I don't have a card — only GCash or a local wallet. How do I pay for OpenRouter credits?Does OpenRouter support PayPal? My card keeps getting declined.

If OpenRouter supports no payment method available to you, crypto against an OpenRouter payment link is the alternative path.

Go to Checkout

These need OpenRouter's own support

These are real payment problems, and paying again does not fix any of them. The account, the credit and the refund are OpenRouter's to decide — take these to OpenRouter support or your OpenRouter account settings. We list them because people search for them, not because we can solve them.

Paid but credits didn't arrive

I sent USDC on Polygon and my OpenRouter balance never updated My Solana USDC/USDT payment confirmed on-chain but no credits showed up My bank statement shows the charge but OpenRouter credits never appeared I was charged more than what landed in my account balance My payment has been stuck on 'Processing' for hours — is my money lost?My exchange sent the crypto late, the Stripe checkout expired, and the funds were swept — is my money gone?

Do not pay a second time. Trace the payment you already made first.

Refunds & balance

My OpenRouter refund has been pending for 20+ days — what do I do?I requested a refund for my card payment — how long should it take?My unused OpenRouter credits were wiped after 365 days — can I get them back?Why does OpenRouter return 402 spend cap or in-flight budget errors when I still have credits?

Refund timing and credit expiry are decided by OpenRouter and its processor. Start by checking what state your payment is in.

Country & payment-method limits

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

Trace my payment

Not answered yet

My coins are on an exchange and I have no web3 wallet — can I still pay?
Which network should I send on, before I send anything?
My card or prepaid card is refused — what are the alternatives, and what do they really cost?

Three questions readers keep asking that the help center does not answer yet. They are listed here so the gap is visible, not hidden; the articles are being written.

What ROZO can and cannot do here

ROZO can

Pay an OpenRouter payment link with USDT, USDC, BTC Lightning and other supported coins, for a 1% service fee.
Help trace a payment you already sent, and hand it to a human when one is needed.
Tell you when the answer is with OpenRouter and not with us.

ROZO cannot

Reverse an on-chain transfer sent to the wrong network or to an expired address.
Change an OpenRouter account, region or risk decision, or make OpenRouter credit an account.
Issue or speed up a refund of OpenRouter credits.
Promise a delivery time. We do not publish a speed figure on this page.

Pay with ROZO Checkout instead

Skip the wrong-network / wrong-token mistakes: paste the payment link and pay with any major coin on any supported chain.

Go to Checkout Trace my payment

Payment facts on this page checked on 2026-09-08.