Authentication
Send an API key as a bearer token. The key must carry the billing.payment.manage permission; a key without it is refused with 403, not 404.
Where your organisation id goes
This endpoint takes org_id as a query parameter. Leave it out and the call covers your whole tenancy subtree; send it to narrow the call to one organisation.
Your organisation id is on the API keys screen in your dashboard, beside the key itself. It is the same id in every call you make.
Try it
Replace anything in angle brackets with your own values, and the key placeholder with a key from your dashboard.
curl -X POST https://api.zinndigital.com/v1/wallet/top-ups \
-H "Authorization: Bearer zdk_live_…" \
-H "Content-Type: application/json" \
-d '{ "amount_minor": <integer>, "currency": <string> }'Signed in? The API console in your dashboard fills in your real organisation id and your own key, and runs the request against the live API so you can see the actual response. Open this endpoint in the API console
Details
Charged on **your provider's own** payment account when you are a reseller's client, and on Zinn®'s when you buy directly. The credit is written when the payment **captures**: a crypto invoice awaiting confirmation (`pending`) or a card awaiting 3-D Secure (`requires_action`) returns 201 with that status and **no** balance change, because the money has not arrived. 422 when your provider has not finished connecting a payment account — the charge is refused rather than settled somewhere else. ⚖️ **Credit bought from Zinn® is never refundable, including on account closure, and never expires** (owner ruling 2026-08-22). Call `GET /v1/wallet/top-ups/estimate` first and show the customer what they will actually receive — on a crypto rail that can be less than the amount quoted, because we credit what settles rather than what was asked for. Requires `billing.payment.manage`.
Parameters
| Name | Type | Required | What it is |
|---|---|---|---|
org_id (query) | Uuid | No | Which of your organizations this applies to. Required only when you belong to more than one here — otherwise it is inferred, and an id outside your direct memberships is a 404 r… |
Request body
| Name | Type | Required | What it is |
|---|---|---|---|
amount_minor | integer | Yes | Minor units. The ceiling is a fat-finger guard, not a business rule — your provider's own gateway applies the real limits. |
currency | string | Yes | — |
idempotency_key | string | No | Your own replay key. Optional; when absent the server mints one, so a double-submit is at worst a second deliberate-looking top-up rather than a silent double charge. |
gateway | string | No | Which rail to take the money on — `stripe`, `paypal` or `nowpayments`. ⛔ Only meaningful when you buy directly from Zinn®: a reseller's client is always charged on their provide… |
Response
| Name | Type | Required | What it is |
|---|---|---|---|
quoted_minor | integer | No | What the customer asked to add, and what the screen promised them. |
settled_minor | integer | null | No | What actually arrived. **`null` = not known yet**, never zero. |
fee_minor | integer | null | No | What the provider kept out of the settlement. **`null` = not known**, never zero — recording an unknown as `0` would credit the customer the shortfall. |
credited_minor | integer | No | What went into the balance — `settled_minor - fee_minor`. |
shortfall_minor | integer | null | No | `quoted_minor - credited_minor`. `null` until the top-up settles. Derived rather than stored: it is a difference between two recorded facts, and a stored copy is a second source… |
purpose | string<general, ai> | No | — |
is_auto | boolean | No | Whether a standing instruction created this, rather than a person. |
action_url | string | No | Where the customer must go to finish paying — a crypto pay-link or an SCA challenge. Losing it strands a pending top-up with no way to complete it. |
id | Uuid | Yes | UUIDv7 identifier — sortable by creation time (docs/02 §8). |
amount_minor | integer | Yes | — |
currency | string | Yes | — |
status | string<pending, requires_action, captured, failed> | Yes | ⛔ Credit is written on `captured` only. `pending` (a crypto invoice confirming) and `requires_action` (3-D Secure) both mean the money has not arrived yet. |
refunded_minor | integer | Yes | — |
refundable_minor | integer | Yes | What is left to send back to the card. Zero unless it captured. |
gateway | string | No | The provider's driver — `stripe`, `paypal`, `nowpayments`. ⛔ Never a credential and never a merchant-account reference: which account your provider banks with is their commercia… |
error | string | No | The gateway's refusal, in words the customer can act on. |
created_at | string | Yes | — |
captured_at | string | null | No | — |
Errors this endpoint can return
401 · 403 · 404 · 422 · 429