Account Top-Up Guide

This guide provides step-by-step instructions for topping up your SmilePayz merchant account balance. Top-up functionality allows you to add funds to your account for processing payments and transactions.

🚀 Quick Overview

Account top-up enables merchants to:

• Add funds to their merchant balance
• Support payment processing operations
• Maintain sufficient funds for business transactions
• Access real-time balance management

📋 Prerequisites

Before proceeding with top-up, ensure you have:

• ✅ Active merchant account
• ✅ Completed account verification
• ✅ Access to merchant dashboard
• ✅ Valid payment method (currently USDT only)

🔄 Top-Up Process

Step 1: Access Top-Up Section

1. Navigate to Dashboard

   • Log in to your merchant dashboard
   • Locate the "Finance" section
   • Click on "Balance" submenu
   • Select "Payin" or "Payout" tab

2. Initiate Top-Up

   • Click the "Top Up" button
   • You will be redirected to the top-up interface

Rate Update Notice

If you encounter the error: "Current rate is not real-time. Please ask the administrator to update the rate", contact our customer service team to update the real-time exchange rate.

Step 2: Select Payment Method

Available Payment Methods:

• USDT (Tether) - Currently the only supported method
• Additional payment methods coming soon

Note: The platform is designed to support multiple payment methods including credit/debit cards, bank transfers, e-wallets, and cryptocurrencies, but currently only USDT is available.

Step 3: Enter Transaction Details

Required Information:

• Top-up Amount: Specify the amount you wish to add
• Payment Details: Enter your payment information
• Transfer Certificate: Upload proof of payment

Important Steps:

1. Double-check all entered details for accuracy
2. Complete the payment transaction
3. Upload your transfer certificate
4. Click "I have transferred" to confirm

Step 4: Confirmation and Processing

Order Processing:

1. Submit your top-up order
2. Wait for financial staff confirmation
3. Monitor your account balance
4. Refresh if balance doesn't update immediately

Processing Time:

• Standard Processing: 1-2 business hours
• Peak Hours: May take up to 4 hours
• Weekend/Holidays: Extended processing times

⚠️ Important Notes

Rate Considerations

• Exchange rates are updated periodically
• Contact support if rates appear outdated
• Real-time rates ensure accurate transactions

Transaction Security

• All transactions are encrypted and secure
• Transfer certificates are required for verification
• Multiple verification steps ensure transaction integrity

Balance Updates

• Balance updates may not be immediate
• Allow 5-10 minutes for system synchronization
• Refresh your dashboard if balance doesn't update

🔍 Troubleshooting

Common Issues

Issue	Solution
Rate not real-time	Contact customer service for rate update
Balance not updated	Wait 5-10 minutes and refresh
Transfer certificate rejected	Ensure clear, complete documentation
Payment method unavailable	Currently only USDT is supported

Error Messages

{
  "code": "RATE_OUTDATED",
  "message": "Current rate is not real-time. Please contact support.",
  "data": null
}

📞 Support Information

For assistance with top-up operations:

• Customer Service: Available 24/7
• Technical Support: For platform-related issues
• Financial Team: For transaction confirmations

🔄 Best Practices

Before Top-Up

• Verify your account status
• Check current exchange rates
• Prepare transfer certificate
• Ensure sufficient funds in source account

During Top-Up

• Double-check all details
• Keep transfer certificates ready
• Follow security protocols
• Monitor transaction status

After Top-Up

• Wait for confirmation
• Verify balance update
• Keep transaction records
• Contact support if needed

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Note: Top-up functionality is essential for maintaining sufficient account balance to process payments. Always ensure you have adequate funds before initiating payment transactions.