# Payment methods

> Card and crypto — which to use, and why the bonus differs.

_Source: https://aiprimetech.io/docs/billing/payment-methods/ · Home > Docs > Billing_

| Method | Bonus | Notes |
|---|---|---|
| Bank card | standard rate | Instant. Some issuers decline cross-border AI purchases. |
| Crypto (USDT, BTC, ETH) | +25% | Works everywhere; credited on confirmation. |

New accounts additionally receive **+100%** on their first crypto top-up.


## Why crypto carries a bonus

Card processing carries fees and chargeback exposure that crypto does not. The bonus passes part of that difference back rather than pricing it into everyone's rate.


## If a card is declined

1. The issuer may have blocked it as an international or high-risk merchant transaction — a bank app approval often clears it.
2. Try another card, or switch to crypto.
3. Contact [support@claudeapikey.dev](mailto:support@claudeapikey.dev) with the approximate time. Never send full card details by email.

- [Top up](https://aiprimetech.io/topup/) — Add credits now
- [Pricing](https://aiprimetech.io/docs/billing/pricing/) — Conversion and rates
- [Availability](https://aiprimetech.io/docs/resources/supported-countries/) — Regional notes


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