# Payment methods and top-ups > Add a card or PayPal, top up your balance, or pay straight from your bank account. - URL: https://kb.voipcloud.online/us/billing/payment-methods/ - Section: Billing and account - Type: guide - Applies to: All countries - Portal page: /billing/bills_and_payments - Last reviewed: 2026-11-10 Add a payment method and make one-off payments in **Billing** › **Bills and payments**. You can pay by card, PayPal or bank transfer. ## Accepted payment methods The methods offered depend on your account and country. If a method isn't listed on your **Bills and payments** page, it isn't offered for your account. A surcharge may apply to some payment methods: select a saved method on the **One-off payment** tab to see whether one applies. US customers can pay by: - credit or debit card, including American Express - PayPal - direct bank deposit (bank transfer) Direct debit (ACH), PayID and PayTo aren't available in the US. ## The Payments panel Go to **Billing** › **Bills and payments**. The **Payments** panel shows your **Current balance** and **Credit limit**, with these tabs: - **One-off payment**: top up your balance or pay an invoice now. - **Payment methods**: under **Manage payment methods**, add or delete saved payment methods. **Payment methods priority** sets the order in which they're charged for automatic payments. - **Automatic payments**: see [Automatic payments](https://kb.voipcloud.online/us/billing/automatic-payments/). You need to verify your account before you can manage payments. ## Make a one-off payment 1. Go to **Billing** › **Bills and payments**, or click **Top up** in the **Balance** box on **Billing** › **Home**. 2. On the **One-off payment** tab, under **Select a payment method**, choose a saved method. 3. Under **Select a payment purpose**, choose **Top up the account balance**, or an unpaid invoice. 4. Under **Enter the amount to pay now**, enter the **Payment amount**. 5. Click **Pay** followed by the amount. You can't top up while you have unpaid invoices: pay the invoice first. ## Pay by bank transfer 1. On the **One-off payment** tab, under **Select a payment method**, choose **Direct bank deposit**. 2. The bank details are shown, including the **Routing number** and **Bank account number**. Use **Your billing account #** as the payment reference, so the payment reaches your account. 3. Pay from your bank. For a payment from overseas, use the bank name, bank address and **SWIFT code** shown. An approved bank transfer can take up to 5 business days to clear. ## Add a card 1. Go to **Billing** › **Bills and payments** and open the **Payment methods** tab. 2. Under **Manage payment methods**, click **Add a credit card** and enter the card details. 3. Complete the verification prompt from your bank if one appears. See [Payment verification](https://kb.voipcloud.online/us/billing/payment-verification/). The number of cards you can add, and how many can be added in a day or in 30 days, is limited. If the portal says a security limitation applies, contact the support team to add the card. If the card is declined, check the code against [Card declined codes](https://kb.voipcloud.online/us/billing/card-declined-codes/). ## Add PayPal 1. Go to **Billing** › **Bills and payments**, open the **Payment methods** tab and click **Add PayPal**. Only one PayPal account can be added. 2. You're sent to PayPal. Sign in, or create a PayPal account. 3. Complete any verification PayPal asks for. 4. Choose your billing address and how PayPal should pay, then click **Agree and Continue**. 5. You're returned to the portal, where PayPal now appears as a payment method. PayPal can then be used for one-off payments, automatic top-ups and automatic invoice payments. ### If PayPal won't connect 1. Sign out of both PayPal and the portal, and close all PayPal tabs. 2. Clear your browser's cache and cookies. 3. Open a new tab, sign in to the portal and add PayPal again. If it still fails, turn off any VPN (it can reset the PayPal session), or try a private window or another browser. If none of this helps, contact PayPal support. ## Check it works - After a top-up, your new balance shows in the **Balance** box on **Billing** › **Home** and as **Current balance** in the **Payments** panel. - The payment appears in [Account balance](https://kb.voipcloud.online/us/billing/account-balance/) under **Payments**, and the receipt in [Invoices](https://kb.voipcloud.online/us/billing/invoices/). ## Next steps - [Set up automatic payments](https://kb.voipcloud.online/us/billing/automatic-payments/) so your service isn't interrupted. - [Get low balance notifications](https://kb.voipcloud.online/us/billing/low-balance-notifications/).