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There are two ways to top up your RuAPI balance:
  • USDT (Tether) or USDC through one of the supported blockchains — the main method, no card needed at all.
  • A bank card (Visa / Mastercard) — if you don’t use crypto.
Minimum top-up is $5 either way.

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Topping up with USDT / USDC

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⚠️ Most important: pick the right network

USDT and USDC both exist on multiple blockchains. On the payment page you pick the coin and one network, and you must send through that exact network. Sending through a different network leads to permanent loss of funds: the transaction will never reach our address.Verify the network in two places:
  1. Which network you selected on the RuAPI payment page.
  2. Which network you select in your wallet / exchange when sending.
They must match.

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Supported networks

TRC20 (TRON)

Most popular USDT network. Low fees (~$1), fast (1–3 min).

BEP20 (BSC)

Binance Smart Chain. Low fees, supported by all major wallets.

Polygon

Polygon (MATIC) network. Low fees, great for DeFi-native users.
ERC20 (Ethereum) is not supported — gas is too expensive for small top-ups. Solana and others are on the roadmap.

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How to top up

1

Open the top-up page

Console → Wallet. Enter the amount (minimum $5).
2

Pick the coin and network

Click USDT / USDC — on the payment page you then choose the coin (USDT or USDC) and the network (TRC20 / BEP20 / Polygon).
3

Confirm the amount

The payment page shows the final amount to send. If volume discounts apply they’re already factored in.
4

Send the coin

A QR code and wallet address appear. Send the coin you picked from your wallet / exchange strictly through the selected network.
Double-check the network in your wallet before confirming the transaction.
5

Wait for confirmation

Once the on-chain transaction confirms (typically 1–5 min), your balance updates automatically. You’ll get an email notification.

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If your top-up is delayed

Confirmation time depends on the network: If more than 30 minutes have passed and your balance hasn’t updated:
  1. Check the transaction in a blockchain explorer (TronScan / BscScan / PolygonScan) — it should be confirmed (status: success).
  2. Confirm the network matches the one you selected on RuAPI.
  3. Email [email protected] with the transaction TXID.
In 99% of cases, delays are because the wallet’s network didn’t match the one selected on RuAPI. Unfortunately, USDT sent through the wrong network technically cannot be recovered — those funds don’t exist on the network we monitor for deposits.

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Paying by bank card

If you don’t use crypto, you can top up with a Visa or Mastercard bank card. Payments are processed by Stripe — your card details never pass through RuAPI and are not stored by us.

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How to pay by card

1

Pick the payment method

In the Console → Wallet, enter the amount (minimum $5) and click Card / Карта · Stripe.
2

Pay on the Stripe page

A secure checkout.stripe.com page opens. Your bank may ask for 3-D Secure confirmation — an SMS or a push from your banking app. This is a standard check and your bank decides when to require it.
3

Your balance updates automatically

Usually within a few seconds of a successful payment. A receipt is emailed to the address you used at checkout.
On your card statement the charge appears as RUAPI.AI.If you see that name on your statement, it is your RuAPI balance top-up. Before contacting your bank, please email us at [email protected] — contacting us directly is almost always faster.

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If the payment fails

  • Your bank declined it — usually this is your bank’s own restriction on online payments or foreign merchants. Ask your bank whether international online payments are enabled for the card.
  • The card was issued in Russia — international payments on those cards currently don’t go through: use a card from a foreign bank, or top up in USDT / USDC instead.
  • You were charged but the balance didn’t update — email [email protected] with the Stripe receipt, or with the last 4 digits of the card and the time of payment.
Refund terms are in the Refund Policy.

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Minimum amount and discounts

  • Minimum: $5 per top-up (either payment method).
  • Maximum: no hard limit (single transfers of up to ~1000 USDT work fine).
  • Volume discounts: bigger top-up = bigger discount. Exact tiers on the top-up page.
See Pricing & billing for how the balance is consumed by API calls.

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Security

  • Card details are handled by Stripe — they never pass through RuAPI servers and are not stored by us. Card payments always happen on the checkout.stripe.com domain.
  • The wallet address shown on the payment page is generated for your order — it’s tied to your user. Don’t reuse old addresses from previous payments.
  • For phishing protection, always reach www.ruapi.ai via your bookmark (not from email links) and compare the wallet address against what our site displays.