A transfer that confirmed on-chain but never credited your account is a funds-stuck situation, not a lost-funds one — the money usually isn't gone, it's unmatched. Before filing anything, confirm on a block explorer (Polygonscan for Polygon) that the transaction actually landed at the exact address the checkout gave you, on the exact chain it expected, in the exact token it expected. A transfer on the wrong chain, to a slightly different address, or in the wrong token is the most common reason crediting fails even though the chain shows success.
If everything checks out and it still isn't credited, open a ticket with OpenRouter support (support@openrouter.ai) and include the transaction hash, amount, timestamp, and source chain — the tx hash is what makes it actionable instead of a generic reply.
ROZO Rescue is a free tool for exactly this moment: paste your transaction hash or payment ID and it traces the payment, classifies what likely happened, and prepares a support packet with the details a human needs. ROZO doesn't control OpenRouter's crediting system and can't force a credit, but it can save you the manual detective work. ROZO is independent and not affiliated with OpenRouter or Coinbase.