# Other ways to top up

Top up in USDT from your own wallet at any hour, or with a shop voucher whenever a till is closer.

## How do I top up with USDT?

Open Credits, choose Top up, pick USDT, type an amount in US dollars and press Continue to pay.

When you leave the Amount box, a figure outside the range moves to the nearest end of it, so check the amount before you pay.

1. Sign in and open Credits from the menu.
2. Press Top up on your balance card, then under Add credits pick USDT.
3. Type how many US dollars to add in the Amount box, from 5 to 25,000; the credits you will get are shown under it.
4. Press Continue to pay and pay the invoice that opens from your own wallet, on the TRC-20 network.
5. Your credits are added once the payment has fully confirmed.

- [Credits](https://nija.africa/credits)

## Can a USDT payment be refunded?

No: a USDT payment is final once it confirms, like every credit purchase on Nija.

- [Terms of Service](https://nija.africa/terms)

## How do I top up with a card?

Open Credits, choose Top up, pick Card, type an amount in US dollars and press Continue to pay.

1. Sign in and open Credits from the menu.
2. Press Top up on your balance card, then under Add credits pick Card.
3. Type how many US dollars to add in the Amount box, from 5 to 25,000; the credits you will get are shown under it.
4. Press Continue to pay, then check the sum your card will be charged, converted from US dollars at today's rate.
5. Press the Pay button that names that sum to open the card payment page, or Cancel to change the amount first.
6. When the card payment page sends you back to Credits, your credits are added as soon as the payment is confirmed.

- [Credits](https://nija.africa/credits)

## How many credits will my money buy?

One credit is one US cent, and the Rate card shows how many credits each local currency buys today.

A new rate applies only to later top-ups: the credits already on your balance keep the value they had when you bought them.

- [Rate card](https://nija.africa/rate-card)