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 rather than pre-loading a large budget upfront.
1. How to Set It Up
You can add your card either while sending a campaign or in advance.
Go to the Billing Tab (or the "Review & Send" step of a campaign).
Click + Add Payment Method > Pay with Credit Card.
Enter details and check "Save details for future payments" to save time later.
2. How Charges Work
For Spot Rewards / Scheduled Gifts:
You are charged immediately upon hitting "Send" or "Schedule."
Charge Amount = Gift Budget + Service Fee + Estimated Tax.
For Automated Campaigns (Birthdays/Anniversaries):
You are charged on the 1st of every month.
Charge Amount = The estimated cost of all upcoming gifts for that month minus any existing balance you already have.
3. Reconciliation (Credits)
Since we charge an estimate (with a tax buffer), the actual cost is often lower.
The Difference: Any unused funds from your initial charge are credited back to your account on the 1st of the next month.
Using Credits: Future sends will automatically use these credits first before charging your card again.
4. Managing Funds & Receipts
Receipts: Found under Billing > Receipts.
Note: Receipts are only generated when your card is successfully charged. If a gift was fully covered by existing credits, no new receipt is generated.
Transfer Funds: You can move unused credits to another billing method.
Action: Click the three dots ⋮ > Transfer Funds.
Refunds: Available upon request (takes ~14 days). All gifts must be expired first.
💡 Troubleshooting
If a charge fails:
Ensure the card is active and has no bank blocks.
Check with your finance team if
login.snappy.comis approved.Alternative: Try setting up a Prepay method instead (which also accepts Credit Cards but allows you to fund a specific amount manually).
Tips to Prevent Fund-Related Errors
Plan Ahead: Ensure scheduled campaigns, including recurring ones, are factored into your prepaid balance.
Monitor Prepaid Balances: Regularly check account balances and replenishment schedules to prevent surprises.
Understand Card Limits: Contact your financial institution to confirm your card's transaction capabilities and avoid unexpected errors.
Steps to Resolve 'Insufficient Funds' Errors
Add More Funds to Your Prepaid Balance If insufficient funds stem from system holds or an allocated budget, increase your prepaid balance by navigating to the billing section and adding funds. Paying outstanding invoices can also quickly update your balance.
Add a Payment Method at Checkout For one-time payments, select a payment method (e.g., valid credit card) during checkout, enter the required details, and confirm the transaction.
Check with Your Card Issuer Contact your card issuer for resolution if your card is declined. Alternatively, update your account settings with a different payment method if necessary.