Pay for Claude API Credits with Apple Pay, Google Pay or a Card
As of 2026-10-07, yes: the USD tab on QCode's top-up page offers Apple Pay / Google Pay and Visa / Mastercard / AMEX credit and debit cards; the money goes into a USD balance, you buy a plan from that balance, and one cr_ key then calls Claude, GPT and Codex. No credit card works too: the same tab has crypto (labeled 0% platform fee, with about a day of manual reconciliation), the CNY tab has Alipay and WeChat Pay, and the Russian interface adds SBP and Russian bank cards. This page lists each method's currency, fee label, amount range and crediting wording, straight from QCode's docs.
Updated 2026-10-07
Four numbers to know first
Validity of every plan
Topping up is only step one: the balance is put to use once you buy a plan at qcode.cc/subscribe, and every plan is valid for 30 days. Buying the plan draws on your balance, so your card is not charged again.
USD top-up range
The docs give a USD top-up range of $1 to $2,000 and CNY top-ups from ¥100; some channels add their own per-transaction cap, and above it the page asks you to split the amount.
Crypto platform fee
The top-up page labels crypto “0% platform fee · ~1d manual reconcile”: no platform fee, and on-chain transfers are checked by hand in about a day.
Two separate balances
In the docs' words, “CNY and USD balances are separate.” Apple Pay, Google Pay, cards and crypto sit on the USD tab, Alipay and WeChat Pay on the CNY tab, and each credits the balance in its own currency.
Can you pay for the Claude API with a phone wallet?
As of 2026-10-07, yes: the USD tab on QCode's top-up page includes Apple Pay / Google Pay, which the docs describe as paying with the bank card already linked in your wallet, through the same international checkout as Visa / Mastercard / AMEX credit and debit cards. QCode is prepaid: you top up first, then buy a plan that is deducted from your balance; the console spells out the order as three steps, Top Up Balance, Buy a Plan, Start Using. Buying the plan draws on your balance, so your card is not charged again. Usage is then billed per token, with each model's unit price on qcode.cc/models.
What the docs say (Payment Methods Overview, updated 2026-10-01)
QCode's Payment Methods Overview, marked updated 2026-10-01, lists every method by currency tab together with the fee label shown on the page: cards show “Credit / Debit card fee”, the Apple Pay / Google Pay row says it uses the same international checkout, crypto shows “0% platform fee”, Alipay shows “Fee covered by QCode”, WeChat Pay shows “WeChat Pay fee”, and SBP and Russian cards show “no extra fee”; the docs give no actual rate for cards or WeChat Pay, so go by the top-up page. Its advice for anyone paying in USD: for convenience, use a credit or debit card, or pay with the card in your Apple Pay / Google Pay wallet; if you would rather skip fees and can wait for one manual check, use crypto.
Timeline
The update date on QCode's Crypto Payment Guide: nine cryptocurrencies across 56 networks, with deposit addresses shown only on the top-up page after you log in.
The update date on the Payment Methods Overview and the FAQ; the overview lists Apple Pay / Google Pay alongside cards on the USD tab.
This page was checked against QCode's docs and pricing pages on this date; as of 2026-10-07 the top-up page lists Alipay, WeChat Pay, credit / debit card, Apple Pay / Google Pay, crypto, SBP and Russian bank cards, the last two only in the Russian interface.
What the docs state vs what they don't
Confirmed (verbatim in the docs)
All of the following can be checked word for word in QCode's docs and pricing pages: prepaid, top up first and then buy a plan; separate CNY and USD balances; Apple Pay / Google Pay on the USD tab, paying with the card linked in your wallet; cards accept Visa / Mastercard / AMEX, open in a new window and credit your balance as soon as payment completes; USD top-ups of $1 to $2,000 and CNY from ¥100; crypto in nine coins over 56 networks, 0% platform fee, about a day of manual reconciliation; Alipay's fee covered by QCode; SBP and Russian cards shown only in the Russian interface; every plan valid for 30 days; billing per token.
Not in the docs, so don't assume
Three things are not spelled out in the docs, so go by the top-up page before you pay: first, the Apple Pay / Google Pay row only says it uses the same international checkout, with no separate fee rate and no separate crediting time; second, the card and WeChat Pay fees appear in the docs only as a rate placeholder, with no actual percentage; third, the docs do not say which devices or browsers show the wallet buttons, or whether the card's issuing country matters.
Which kind of payment suits whom
Wallet / card vs crypto
Both sit on the USD tab and fill the USD balance. Wallets and cards go through the international checkout, the page shows a card fee (at the rate the top-up page displays), and the docs say a card payment credits your balance as soon as it completes. Crypto is labeled 0% platform fee but takes about a day of manual reconciliation; after sending, you report the coin and chain, amount, transaction hash and your QCode ID or email yourself, and an on-chain transfer sent wrong cannot be reversed. The docs' advice: a card or Apple Pay / Google Pay for convenience, crypto if you want to skip fees and can wait for one manual check.
Wallet / card vs Alipay / WeChat Pay
The first difference is currency: wallets and cards fill the USD balance, Alipay and WeChat Pay the CNY balance, and the two are kept separate. Alipay is labeled “Fee covered by QCode” and has a per-transaction cap; WeChat Pay shows a fee (at the rate the top-up page displays) and settles at WeChat's own exchange rate. CNY top-ups start at ¥100, USD top-ups run from $1 to $2,000. The docs' advice: Alipay for mainland China users paying in CNY, with WeChat Pay as a fallback; a card or Apple Pay / Google Pay for everyone else paying in USD.
Topping up with Apple Pay / Google Pay in three steps
① Log in, open the top-up page at qcode.cc/recharge and pick the USD tab first (the list of methods changes with the tab), then choose Apple Pay / Google Pay or a credit / debit card and enter $1 to $2,000; above a channel's per-transaction cap the page asks you to split the amount. ② Complete the payment in the international checkout (the docs say card payments open in a new window); the wallet charges the bank card already linked to it. The docs warn against paying twice; if nothing happens, use “I've paid — view recharge history” or contact support. ③ Go to qcode.cc/subscribe and choose a plan (Recommended Plans or Custom Configuration), which is deducted from your balance rather than your card; then copy the key starting with cr_ from API Key management in the console into Claude Code or Codex.
Using QCode after you top up
Once your balance has bought a plan, the same cr_ key calls both the Claude and GPT families, for example claude-sonnet-5-5, claude-opus-5-5 and gpt-6.1-sol; billing is per token, each model's unit price is on qcode.cc/models, and you can list models with your key via GET https://api.qcode.cc/v1/models. For Claude Code, set ANTHROPIC_BASE_URL to https://api.qcode.cc/api; Codex uses the Responses protocol and, per the pricing page, currently supports GPT models only. Every plan is valid for 30 days.
Frequently asked questions
Can I buy Claude API credits with Apple Pay or Google Pay?
Yes. As of 2026-10-07, the USD tab on QCode's top-up page offers Apple Pay / Google Pay, which charges the bank card already linked in your wallet through the same international checkout as credit and debit cards. Once the money is in your USD balance, buy a plan at qcode.cc/subscribe and use your cr_ key for Claude, GPT and Codex.
I don't have a credit card. How else can I pay?
You don't need one. The USD tab also takes debit cards and crypto (nine coins, 56 networks, 0% platform fee, about a day of manual reconciliation); the CNY tab has Alipay and WeChat Pay; and with the interface set to Russian, SBP and Russian bank cards appear, paid in rubles and credited in USD. The cards listed in the docs are Visa / Mastercard / AMEX, and nothing is said about the issuing country.
What are the minimum and maximum top-up amounts?
USD top-ups range from $1 to $2,000, and CNY top-ups start at ¥100. Some channels have their own per-transaction cap, and above it the page says “Please split it into several smaller recharges.” Crypto adds two thresholds: the docs suggest starting at around 10 US dollars, and the transfer must exceed the exchange-side minimum deposit (2.5 USDT for USDT, for example).
How are fees handled?
Check the label on each channel. Cards show “Credit / Debit card fee”, and the rate is whatever the top-up page shows; the Apple Pay / Google Pay row says it uses the same international checkout; crypto shows “0% platform fee”; Alipay shows “Fee covered by QCode”; WeChat Pay shows “WeChat Pay fee”, again at the rate the top-up page shows; SBP and Russian cards show “no extra fee”, paid in rubles at the Central Bank of Russia daily rate, with the amount fixed when the order is created.
How fast is the balance credited, and what if it isn't?
A card payment credits your balance as soon as it completes; WeChat Pay confirmation can take a few minutes; crypto is checked by hand in about a day, and after sending you report Coin & Chain, Amount (USD), Transaction Hash and your QCode ID or registered email. Every channel warns you not to pay twice; if nothing moves, open “I've paid — view recharge history” or reach support via Live Chat or hi@qcode.cc.
Can I get a refund if I top up by mistake?
As a rule, no. The FAQ says QCode sells digital goods and does not refund once a service is opened; a refund may be considered only in a few cases, one being a mistaken top-up reported within 24 hours with no usage at all. When you upgrade and email hi@qcode.cc, the unused time on the old plan is credited back to your QCode balance pro rata, not to the original payment method.
Sources
QCode's docs: the Payment Methods Overview (marked updated 2026-10-01; methods, currency tabs, fee labels, amount range, crediting wording and support contacts), the Crypto Payment Guide (coins, networks, minimum deposits and steps), the Billing page (per-token billing, qcode.cc/models as the price reference, listing models) and the FAQ (API keys, base URL, refund rules), plus the Chinese and English pricing pages on qcode.cc (plan validity, the Codex protocol note), all fetched on 2026-10-07.
Top up first, then pick a plan
Fund a USD balance with Apple Pay, Google Pay or a card, buy a plan, and call Claude, GPT and Codex with one cr_ key, billed per token.
Related reading
Crypto payment guide
Nine coins and 56 networks: picking the network, when a memo is needed and the minimum deposits.
Paying for an AI API with Alipay and WeChat
Per-transaction caps, who absorbs the fee and settlement time on the CNY channels.
AI API Payment Guide for Europe
Cards, Apple Pay / Google Pay wallets and crypto, as documented for European buyers.
Checked on 2026-10-07; QCode's top-up page and official docs prevail. Payment methods, fees, limits and crediting wording may change, so go by what the top-up page shows when you pay. Model availability is whatever /models shows.