> ## Documentation Index
> Fetch the complete documentation index at: https://www.zinc.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Wallet

> Pre-fund a balance and let Zinc draw each order's cost and fee from it.

The **wallet** is Zinc's default way to pay. You pre-fund a balance, and each order draws its cost plus a flat \$1 API fee from that balance. Fund once, then place orders without attaching any payment details per request.

## Funding Your Wallet

Add funds from the **Wallet** button in the top navigation. Enter the amount you want to add; that full amount is credited to your wallet, and the processing fee for your chosen method is added on top of what you're charged.

| Method               | Processing fee         |
| -------------------- | ---------------------- |
| Credit or debit card | 2.9% + \$0.30          |
| ACH bank transfer    | 0.8%, capped at \$5.00 |
| Wire transfer        | \$15.00 per wire       |

Self-serve top-ups run from \$15.00 up to \$100,000.00; for larger amounts, contact us to arrange a wire. Test and production wallets are kept separate.

## Placing Orders

Place orders as normal, with no `payment` object. Each order draws `order_cost + $1` from your balance. An order placed without enough balance to cover it is rejected with `insufficient_funds` (HTTP 402), so keep a buffer.

## Refunds

Zinc credits your wallet automatically when an order doesn't go through:

* **Cancelled by the retailer:** the full charge is refunded to your wallet.
* **Return credited:** when a return is resolved by crediting rather than a merchant RMA, the credit lands in your wallet.

## Other Ways to Pay

If you'd rather not carry a balance, charge your own end-customer instead with [Stripe Connect](/v2/connect), or pay per request with no Zinc account using [MPP](/v2/mpp).