---
title: "Charge saved card for credits"
method: POST
path: "/api/v1/credits/quick-topup"
tags: ["Subscribe"]
---

# Charge saved card for credits

`POST /api/v1/credits/quick-topup`

Charges a saved payment method only after explicit confirmation.

## Request body

- object
  - `dollars` number, required — Dollar amount for the top-up

## Response `200`

Quick top-up result

- union
  - object
    - `outcome` 'charged', required
    - `balance` string, required — Updated credit balance as a bigint string.
    - `credits` string, required — Credits added by this top-up as a bigint string.
  - object
    - `outcome` 'requires_action', required
    - `clientSecret` string, required — Payment client secret for completing authentication.
  - object
    - `outcome` 'no_payment_method', required
  - object
    - `outcome` 'declined', required

## Other responses

- `400` — Invalid input
- `401` — Unauthenticated
- `429` — Xquik tier rate limit exceeded. Wait `Retry-After` seconds before retrying.
- `default` — Unexpected error.

## Changes

- **2026-09-27** `c33250258fdf` — 16 warning
  - added the new `draw_too_large` enum value to the `allOf[#/components/schemas/Error]/error/oneOf[subschema #1: LegacyErrorCode]/` response property for the response status `429`
  - added the new `draw_too_large` enum value to the `allOf[#/components/schemas/Error]/error/oneOf[subschema #2: StructuredError]/code` response property for the response status `429`
  - added the new `draw_too_large` enum value to the `error/oneOf[subschema #1: LegacyErrorCode]/` response property for the response status `400`
  - added the new `draw_too_large` enum value to the `error/oneOf[subschema #1: LegacyErrorCode]/` response property for the response status `401`
  - …12 more
- **2026-09-26** `9ae77b3e4fdc` — 8 warning
  - added the new `bookmark_folders_unavailable` enum value to the `allOf[#/components/schemas/Error]/error/oneOf[subschema #1: LegacyErrorCode]/` response property for the response status `429`
  - added the new `bookmark_folders_unavailable` enum value to the `allOf[#/components/schemas/Error]/error/oneOf[subschema #2: StructuredError]/code` response property for the response status `429`
  - added the new `bookmark_folders_unavailable` enum value to the `error/oneOf[subschema #1: LegacyErrorCode]/` response property for the response status `400`
  - added the new `bookmark_folders_unavailable` enum value to the `error/oneOf[subschema #1: LegacyErrorCode]/` response property for the response status `401`
  - …4 more
- …earlier changes not shown

[Full history](https://skmtc.dev/xquik-dev/apis/xquik-api-2/changes/api/v1/credits/quick-topup/post.md)

---

[API](https://skmtc.dev/xquik-dev/apis/xquik-api-2.md) · [All operations](https://skmtc.dev/xquik-dev/apis/xquik-api-2/llms.txt) · [OpenAPI document](https://skmtc.dev/xquik-dev/apis/xquik-api-2/revisions/c33250258fdf?raw)