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How to Add and Manage an Instant Payment Billing Method

A step-by-step on how to use your Instant Payment billing method

Updated over 2 weeks ago

What is an Instant Payment Method?

This is a credit card prepay-only billing method. Your credit card will be charged for your estimated gift send total at the time of send.

Upon invoicing for claimed + processed gifts (monthly), any remaining funds will be added back to your account as credits which will automatically be applied for future gift sends or refunded upon request.


How to add an Instant Payment Billing Method

You can add your card upon the checkout step when sending out your first campaign, or add your card to the account prior to your gift send by following the steps below.

1️⃣ Navigate to the Review & Send step of any campaign
2️⃣ Select "Add Payment Method"
3️⃣ Select "Pay with Credit Card" as your billing method of choice
4️⃣ Input your credit card details

5️⃣ Select "Save"
Make sure to select the checkbox, "Save details for future payments" if you wish to save the CC on the Dashboard for future gift sends.

Once you send out your gifts, your credit card will be charged for the estimated total [Gift budget + Snappy fee] + estimated sales tax. On the first business day of each month, an invoice will be generated for all gifts claimed + processed (shipped out) within the previous month. The difference between the estimated cost you paid and actual cost of the claimed gifts will be returned to the “Instant Payments” balance as credits which can be viewed under the main Billing tab.


Instant Payment for Automated Campaigns

When you launch an automated campaign (like Anniversary, Birthday, or New Hire), here’s how payments work:

First Launch

When you activate your automated campaign for the very first time, your credit card will be charged for that month's upcoming projected gifts. Any existing funds you have will not be applied to this initial charge. This helps ensure your automated campaign has dedicated funds, especially if you have other scheduled gifts that might draw from your remaining balance.

Ongoing Monthly Charges

Once your automated campaign is live, your card will automatically be charged on the first day of each month for any projected gifts for that month, minus any existing credits you have in your account. This charged amount is then added to your available balance, and the system pulls from this balance as your automated gifts are sent throughout the month.

Example: Let's say your Anniversary campaign is projected to send $500 worth of gifts in May.

  • If you have no existing balance on May 1st, your credit card will be charged $500.

  • If you do have $50 in your remaining balance on May 1st, your card will be charged $450, ensuring enough funds to cover your month's projected sends.

Additional Gifts

If you send out any additional gifts (outside of your automated campaign) during the same month, those will first use your available balance. If your balance runs out, your card will then be charged for the difference. 🎁


💸 Billing Information

Snappy will send monthly activity reports on the first business day of each month. Your prepaid funds will appear as an "Applied Balance" within the invoice.

Any remaining and unused funds from prepaid campaigns will be applied to future campaigns or refunded upon request.


🧾 Receipts

Any charges made to your credit card will have a receipt listed under the Receipts section of the Billing tab. You can also download your receipt details as needed.

Note: If you have remaining funds from your instant payment that are applied to your gift send, then a receipt won't be generated. Receipts are only generated if there is a charge made to your CC on file.


How can I consolidate/transfer funds?

To consolidate funds on your billing method, submit your request here.
Click "Transfer Funds" and follow the prompts.

After the form is submitted, the request will be sent to our Finance team and you will receive a follow-up email once the transfer is completed.


↩️ Refunds

If a refund for unused funds is requested, Snappy will issue a refund within 14 days in the same form as the original payment method. Please note all outstanding gifts will need to be expired before refunds are initiated.

Click here to request a refund for your remaining balance.

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