A checkout that stays on "Processing" for hours, especially after your bank shows the charge went through, is a funds-stuck situation rather than a lost-funds one. The payment usually did happen; the account just hasn't reconciled it yet. This is worth taking seriously if it's been several hours, rather than assuming it will resolve on its own.
Open a ticket with OpenRouter support (support@openrouter.ai) with the charge reference (or transaction hash if it was a crypto payment), the amount, the date, and your account email. Include as much specific detail as you have — that's what moves a ticket past a generic first reply.
If the payment was made through ROZO Checkout, paste the transaction hash or payment ID into ROZO Rescue and it will trace exactly where the payment stands and prepare a support packet. ROZO cannot resolve a status stuck on OpenRouter's own systems directly, but it can tell you precisely what happened on the payment side. ROZO is independent and not affiliated with OpenRouter or Coinbase.