What is Instant Payment? This is a Credit Card-only method where you are charged "pay-as-you-go" 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).