--- title: 'Add funds: top up by card, PayPal or wire' url: https://help.telecomsxchange.com/buyers/add-funds/ audience: For Buyers summary: "Click the + next to your balance, choose Credit / Debit Card, PayPal or\ \ Wire Transfer and click Confirm Payment Method. Pick the account and amount, then\ \ pay. Card and PayPal top-ups are credited after payment; wires and Interac e-Transfers\ \ usually within 1\u20133 business days." updated: '2026-10-21' verified_commit: 83b4ebc96d0081a25213776d5a8871bd04941125 --- # Add funds: top up by card, PayPal or wire > Click the + next to your balance, choose Credit / Debit Card, PayPal or Wire Transfer and click Confirm Payment Method. Pick the account and amount, then pay. Card and PayPal top-ups are credited after payment; wires and Interac e-Transfers usually within 1–3 business days. ## How a top-up becomes call credit 1. **Your payment**: Card, PayPal, wire or Interac e-Transfer 2. **TelecomsXchange** (via Add Funds): Credits it, then deducts any processing fee 3. **Account balance** (via credited): Prepaid funds, with an optional low-balance alert 4. **Your traffic** (via spent per use): Calls and messages paid as they happen TelecomsXchange buyer accounts are **prepaid**: calls and messages are paid from your balance as they happen. Keep the balance topped up and your traffic keeps flowing. ## How do I start a top-up? 1. Open **Add Funds** in one of these ways: - click the **+** next to your balance in the top bar, - click **Top Up** next to **Account Balance** on the Dashboard, - on **Accounts**, open an account's three-dot **Actions** menu and choose **Top Up Balance**. 2. Under **Choose Payment Method**, select **Credit / Debit Card**, **PayPal** or **Wire Transfer**. 3. Click **Confirm Payment Method**. ![The Payment Method Choice page with card, PayPal and wire options](https://help.telecomsxchange.com/assets/screenshots/buyer-topup-choice.jpg) You'll see the page for the method you chose. Only accounts that use their own balance can be topped up; accounts that share another account's balance are funded through that account. ## How do I pay by credit or debit card? 1. Enter the **Amount (USD)** (at least $1). 2. Pick the **Account** to credit. 3. If you see **Auto-Recharge**, choose **One Time**, or **Recurring** and set **When Account Balance Goes Below** (see below). 4. Click **Proceed to Payment** and complete the card form. ![The card top-up page (Stripe) with amount, account and Auto-Recharge fields](https://help.telecomsxchange.com/assets/screenshots/buyer-topup-card.jpg) The amount is added to the account after the payment goes through. A processing fee of **3.9% + $0.30** is then taken from the same account and shows as **Stripe transaction fee** lines in Payment History. **Auto-Recharge** appears only if recurring billing is enabled for your company. With **Recurring**, the card form also asks for the cardholder's name, street address, city, country and state, and your card is saved and charged the same amount whenever the account's balance drops below the threshold (`50.00` by default). The account then shows **Auto $amount@$threshold** in the Accounts list; click **off** next to it to stop auto-recharge. ## How do I pay with PayPal? 1. Pick the **Account to Top Up**. 2. Enter the **Amount (USD)** (minimum $1.00). 3. Click the **Pay with PayPal** button and confirm the payment in PayPal. The amount is added after PayPal confirms the payment. A processing fee of **4.85% + $0.30** is then taken from the same account as a **PayPal transaction fee** line. The page's **PayPal Express Information** box shows "Processing Fee: 4.99% + $0.30"; the lower figure, 4.85%, is what is actually charged. The page also lists PayPal's verification requirements: a government-issued photo ID and a utility bill for each new PayPal account. Each company has a maximum amount for card and PayPal top-ups, even though the PayPal page says "No limit on the amount for fully verified accounts". Above it, you'll see "Max Amount allowed is …" with your limit. ## How do I pay by wire transfer? 1. Choose **Wire Transfer** and click **Confirm Payment Method**. 2. Copy your reference under **Add this reference to your wire description** (it's your username). Click **Copy** to copy it. 3. At your bank, send the wire in USD to the **Beneficiary & Bank Details** shown on the page, with the reference in the payment reference or description field. Each row has its own **Copy** button, and **Copy all details** copies the whole block for your bank's transfer form. The beneficiary is **TELECOMSXCHANGE CANADA INC.** at **TD Canada Trust** (SWIFT/BIC **TDOMCATTTOR**); the account number and both addresses are on the page. Funds are typically credited within 1–3 business days of receipt. Questions go to finance@telecomsxchange.com. **Choose a different method** at the bottom takes you back to the payment method choice. !!! warning Always include your reference. Wires sent without it take longer to credit. ### Canadian customers: Interac e-Transfer If you bank in Canada you can skip the wire and send an Interac e-Transfer instead. The details are under **Canadian customers: Interac e-Transfer** on the Wire Transfer page: 1. From your Canadian bank, send an Interac e-Transfer to **info@telecomsxchange.com** (TelecomsXchange's registered Interac receiver) and put your buyer username in the **Message**. 2. Email your receipt and buyer username to support@telecomsxchange.com. The funds are added to your account as soon as possible. ## How do I get warned before my balance runs low? 1. Go to **Accounts**, open the account's **Actions** menu and choose **Edit Account**. 2. Enter an amount in **Notify if balance lower than**. The field appears only on accounts that use their own balance. 3. Click **Update Account**. When the balance drops below that amount, you receive one **Account Low Balance Notification** email, headed **Low Balance Alert**, with the current balance, the alert threshold and a **Top up balance** button. You get another only after the balance has gone back above the amount and dropped again. !!! tip Add your finance team under **Billing / Accounting Email** in **Settings → Profile & Preferences**. Low-balance emails go there too. Separate several addresses with commas. ## Where can I see all my payments? Open **Payment History** in the sidebar, or click your balance in the top bar. It lists every top-up and fee with its **Payment Method**, **Account**, **Amount** (fees and other debits in red), **Currency**, **Date**, **Status** (**Pending**, **Success** or **Declined**) and **Notes**. A transfer from a seller's payout to your buyer account appears as **Manual Payment** with the note "Vendor payout to TCXC Buyer Account". The list opens on the **last 24 hours**. To see more, set **From Date** and **To Date**, optionally with **Payment Method** (**Manual Payment**, **PayPal**, **Bank Transfer**, **Cashu** or **Stripe**), **Amount** or **Notes Search**, and click **Search Transactions**. **Clear Filters** goes back to the default view. Click **Download N Entries** to save the list as `Payment_Transactions_History__.csv` with the columns Method, Account, Amount, Currency, Date, Status and Notes. ## What if something goes wrong? | You see | What to do | |---|---| | Max Amount allowed is N | Your company's card or PayPal limit is N dollars per top-up. Enter a smaller amount, or pay by wire. | | Pending in Payment History | The payment has not been confirmed yet. Card and PayPal payments confirm within minutes; wires once finance receives them. | | desclined in Payment History (shown as plain text) | An auto-recharge card charge failed. **Notes** holds the card processor's response; check the card and top up manually. | Next: [find and buy a route in Market View](https://help.telecomsxchange.com/buyers/find-and-buy-routes/). ## Frequently asked questions **Q: Which payment methods can I use to top up?** A: Credit or debit card (processed by Stripe), PayPal and bank wire transfer; Canadian customers can also send an Interac e-Transfer. Card or PayPal may be turned off for your company; if a method you need is missing, contact finance@telecomsxchange.com. **Q: Are there fees for card or PayPal top-ups?** A: Card top-ups cost 3.9% + $0.30 and PayPal top-ups cost 4.85% + $0.30 (the PayPal page says 4.99%, but 4.85% is what is charged). The fee is taken from the credited account and shows as its own line in Payment History. **Q: How long does a wire transfer take?** A: Funds are typically credited within 1–3 business days of receipt. Put your username in the wire's payment reference so finance can match it. **Q: Can I pay by Interac e-Transfer?** A: Yes, if you bank in Canada. Send the e-Transfer to info@telecomsxchange.com with your buyer username as the message, then email the receipt and your username to support@telecomsxchange.com. The details are on the Wire Transfer page. **Q: Can my balance recharge automatically?** A: If recurring billing is enabled for your company, the card page shows Auto-Recharge. Choose Recurring and set When Account Balance Goes Below; your saved card is charged the same amount each time the balance drops below it. **Q: How do low-balance alerts work?** A: Set Notify if balance lower than on an account that uses its own balance. When the balance drops below it, you get one Account Low Balance Notification email; the alert re-arms once the balance goes back above that amount.