Top Up with UPI or Card
The UPI / Card method lets you add money to your Onflow Ads wallet from an Indian bank account, using UPI, a debit or credit card, or netbanking. It is billed in Indian Rupees (INR) and converted to the USD your wallet is held in.
Why you would use this
- You are paying from an Indian bank, UPI app or card.
- You want the payment to complete in seconds, without leaving the Onflow Ads page.
- You want a rupee-denominated invoice you can hand to your accountant.
If you hold cryptocurrency, or you are outside India, see Top Up with Cryptocurrency instead.
Before you start
- Signed in, with a verified email — see Wallet Overview.
- UPI and card top-ups must be switched on for the platform. If the UPI / Card card is not shown, it is not currently enabled.
- A live rupee exchange rate must be readable. Without one, a rupee top-up cannot promise you a credit and the pay button stays disabled.
- Know the amount you want added, not the amount you want to pay. Fees stack on top.
At a glance
| Card title on the page | UPI / Card — "UPI, cards & netbanking" |
| Position in the list | Second. Cryptocurrency is promoted to first place and selected by default. |
| Billed in | Indian Rupees (INR) |
| Minimum you can add | ₹1,000.00 |
| Maximum you can add | ₹25,000.00 |
| Platform fee | Your plan's percentage of the amount added — 9% on Free, lower on every paid tier — minimum ₹200.00, added on top |
| Payment processing fee | 0% today, so the row is hidden |
| Quick amounts | ₹1,000 · ₹2,500 · ₹5,000 · ₹10,000 · ₹25,000 |
| Pay button | Pay with UPI / Card |
| Processed by | Razorpay, as a secure overlay on the Onflow Ads page |
| Wallet credited in | USD, at the exchange rate locked when you start the payment |
The minimum and maximum apply to the amount credited — the number you type — not to the total you pay. Because fees are added on top, the total for a ₹25,000 top-up is above ₹25,000, and that is correct.
Step by step
- Sign in and open https://onflowads.com/telegram/dashboard/wallet. The Add funds tab opens by default.
- Select the UPI / Card card under Payment method. It sits second in the list, because the crypto card is promoted and pre-selected. Selecting it switches the amount panel: the currency symbol becomes ₹ and the field label becomes Amount (INR).
- Enter the amount you want added, in rupees — type it into Amount (INR) or tap a quick-amount chip. The hint under the field reads "Min ₹1,000.00 · Max ₹25,000.00 credited · 9% fee (min ₹200.00) added on top". The percentage is the one your plan pays — see Deposit Fees and Your Plan.
- Review the breakdown that appears as you type. It ends with the rate note, for example: "₹5,000.00 is credited in full, converted at 1 USD = ₹86.00. Fees are added on top — ₹5,450.00 is exactly what you will be charged, with nothing added at checkout."
- Press Pay with UPI / Card. If the amount is outside the limits the button stays disabled and the page shows "Enter between ₹1,000.00 and ₹25,000.00 to add."
- Tick the age confirmation in the Confirm before you pay dialog, then press Continue to payment.
- The page briefly shows "Starting secure checkout…", then the Razorpay checkout opens as an overlay on the page — you never leave Onflow Ads.
- Pay in the overlay. It shows the merchant name Onflow Ads and a description built from the server's own quote, for example "₹5,000.00 added · ₹450.00 platform fee". Your account email is pre-filled where possible. Pay with UPI, a card, or netbanking.
- The overlay closes and the page shows "Payment successful — your wallet has been topped up. A receipt is on its way to your email." Your balance and the Activity list refresh straight away.
What each breakdown row means
| Row | What it shows |
|---|---|
| Adding to wallet | Your rupee amount, credited in full. |
| Platform fee (N%) | Your plan's percentage of that amount, added on top, floored at ₹200.00. |
| Payment processing fee | Hidden — it is 0% on this method today. |
| Total to pay | The rupee figure Razorpay will collect. Nothing is added to it at the checkout. |
| Bonus | A wallet deposit bonus, when your amount reaches a rung. Hidden otherwise. |
| You will receive | Credit plus bonus, with a "≈ $X in your wallet" sub-line showing the dollar value. |
How the INR to USD conversion works
Your wallet is held in USD, but this method bills in INR, so a conversion happens:
- The conversion applies to the amount you are adding, never to the fee-inclusive total.
- The exchange rate is locked at the moment you start the payment and stamped onto the order. If the market moves while you are paying, the USD credit you were promised on screen is exactly what lands in your wallet.
- The locked rate is printed in the breakdown note, in your receipt email, and as a footnote on your PDF invoice. The PDF prints it as "Converted at 1 USD = ₹86.00 (rate locked at payment)."
- Rates come from live market sources and are refreshed through the day. See Currencies and Exchange Rates.
A rupee top-up needs a live INR rate to promise you a credit. If the rate cannot be read, the breakdown shows "Live exchange rate is loading — please try again in a moment." and the pay button stays disabled; starting a payment anyway returns "The exchange rate is briefly unavailable. Please try again shortly." This is rare and momentary — wait a minute and retry, or pay in crypto, which needs no rate at all.
What happens after you pay
- Your wallet is credited the full rupee amount you entered, expressed in USD at the locked rate.
- Activity gains a green credit reading "Wallet top-up".
- A branded receipt email with a PDF invoice attached is sent to your account email — see Invoices and Receipts.
- A notification is recorded in your notification centre, and delivered to Telegram if the bot is linked.
- If your amount reached a wallet bonus rung, that credit lands in the same moment, as its own Deposit bonus line.
- If the dollar value of your deposit reached $50.00 or $200.00, bonus Boost Credits are granted too — see Deposit Bonuses.
- Your lifetime funding rises by the deposit, and whoever referred you earns 5% of it in Boost Credits.
- The credited money is spendable but not withdrawable — see Your Balance and Transaction History.
Confirmation converges from two directions — Razorpay notifies our servers directly, and your browser returning to the wallet page triggers a second check. Neither trusts a signature for the amount; both re-read the order from Razorpay and require it to show as paid, in INR, for at least the quoted total. Whichever arrives first pays the single credit, and the other is a no-op. A payment can never be double-credited or lost between them.
Outcomes and what they mean
| Message on the page | What happened | What to do |
|---|---|---|
| "Payment successful — your wallet has been topped up. A receipt is on its way to your email." | Paid and credited. | Nothing. Spend away. |
| "Checkout closed before payment. You have not been charged." | You dismissed the Razorpay overlay before paying. | Press Pay with UPI / Card again when ready. |
| "That payment didn't go through. You have not been charged." | The payment failed at the provider — a declined card, or a failed UPI collect. | Try again, or use a different instrument. |
| "Payment received — we're still confirming it. Your balance will update shortly." | The money is in but confirmation has not finalised. | Wait a few minutes and reload the wallet page. |
| "Confirming your payment…" | The outcome is being checked with Razorpay. | Wait for it to resolve. |
If something goes wrong
| Message | Why | What to do |
|---|---|---|
| "Enter between ₹1,000 and ₹25,000 to add to your wallet." | Your amount is outside the limits for the amount credited. | Enter an amount inside the range. Remember the total will be higher. |
| "Enter a valid amount." | The amount could not be read as a number. | Re-type it using digits only. |
| "Please sign in to continue." | Your session expired. | Sign in again and restart the top-up. |
| "Please confirm you meet the minimum legal age to pay online before continuing." | The age confirmation was not given. | Tick the box in Confirm before you pay, then press Continue to payment. |
| "Please refresh the page and try again." | The page had gone out of date and was refused rather than repriced. | Refresh with Ctrl+R (Cmd+R on a Mac) and start again. |
| "The exchange rate is briefly unavailable. Please try again shortly." | No live INR rate could be read. | Wait a minute and retry, or pay in crypto instead. |
| "Top-up isn't available right now." | UPI and card top-ups are not currently switched on. | Try cryptocurrency, or check back later. |
| "Payment module is still loading — please try again in a moment." | The Razorpay script had not finished loading when you clicked. | Wait a couple of seconds and click again. |
| "Couldn't open the payment page. Please try again." / "Couldn't start the payment. Please try again." | The checkout could not be opened or the order could not be created. | Retry; if it persists, contact support. |
| "Network error — please try again." | Your connection dropped mid-request. | Check your connection and retry. |
| "Too many attempts. Please wait a minute and try again." | Starting a top-up is limited to 20 per account and 40 per IP address per hour. | On an hourly bucket, a minute is not enough — see Payment Troubleshooting. |
Edge cases
I closed the browser tab right after paying. Your payment still credits. Razorpay notifies our servers independently of your browser, so closing the tab cannot lose a confirmed payment. Reopen the wallet page a few minutes later to see the credit, and check your email for the receipt.
My bank shows a deduction but the payment reported as failed. Banks routinely place and then auto-reverse a hold on a failed attempt. If the money has not returned within a few hours, contact [email protected] with the date, amount and any reference — a genuinely failed charge is traced and refunded in full.
I was charged more than the Total to pay. That should never happen: the quoted total is the entire charge, because the gateway's own fee is borne by the platform rather than added to your invoice. If your statement shows more, send us the invoice number and the statement line.
I paid twice by mistake. Each top-up is a separate order and both will credit. A duplicate charge for the same order is refunded in full — see Refunds.
Can I get the money back to my bank? Only through a top-up refund request, only within 12 hours of the top-up being credited, and only if none of it has been spent. A UPI or card refund always goes back to the original payment method. See Requesting a Top-up Refund.
FAQ
Do I need an Indian bank account? This method is designed for Indian UPI, cards and netbanking. If your instrument is not accepted, use Top Up with Cryptocurrency.
Why is my wallet credited in dollars when I paid rupees? All Onflow Ads balances are held in USD so that prices are the same for everyone. The rupees you add are converted at the rate locked when you start the payment, and that rate is printed on your invoice.
Can I pay in rupees without the conversion? No — the wallet itself is a USD balance. You can still display your balance in rupees at any time; see Currencies and Exchange Rates.
Why is the fee more than my plan's percentage on a small top-up? Because of the ₹200.00 minimum fee. Your PDF invoice shows the effective percentage with your plan's own rate named beneath it.
Where is my invoice? Emailed automatically, with a PDF attached, the moment the credit lands. See Invoices and Receipts.
Related
- Adding Funds — what is true of every top-up.
- Top Up with Cryptocurrency — the other method, billed in USD.
- Currencies and Exchange Rates — where the rate on your invoice comes from.
- Invoices and Receipts — how to read the receipt this top-up generates.