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

# Charge saved card for credits

`POST /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. The response includes a `Retry-After` header with the number of seconds to wait before retrying.

## Changes

- **2026-09-26** `db02366a5e8d` — 6 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`
  - …2 more
- …earlier changes not shown

[Full history](https://skmtc.dev/xquik-dev/apis/xquik-api-3/changes/credits/quick-topup/post.md)

---

[API](https://skmtc.dev/xquik-dev/apis/xquik-api-3.md) · [All operations](https://skmtc.dev/xquik-dev/apis/xquik-api-3/llms.txt) · [OpenAPI document](https://skmtc.dev/xquik-dev/apis/xquik-api-3/revisions/db02366a5e8d?raw)