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💳 Account Funds

Payments, deposits, and account balances are powered by Stripe for secure, PCI-compliant transactions.

💵 What you can do​

Your GalaxyGrails.io account lets you:

  • Deposit funds via Stripe
  • Use your balance to buy packs
  • Receive instant proceeds from buybacks
  • Withdraw your balance to your own Stripe-connected account

📥 Deposits​

Deposits are made through Stripe Checkout.

  • Identity verification is required. You must complete identity verification before depositing — see KYC Process. This is checked on every deposit, not just your first, and verification expires after roughly three years.
  • A payment processing fee is added at checkout. Deposits carry a percentage-plus-flat processing fee, itemized as its own line on the Stripe Checkout page so you can see it before you pay.
  • Minimum and maximum deposit amounts are shown in the app.

🔒 Deposit Hold Policy​

Withdrawals from new deposits are subject to a brief 3-calendar-day security hold — a standard fraud-prevention measure designed to protect both collectors and the platform.

The hold period begins when the deposit is confirmed by Stripe. Deposited funds remain fully usable for pack purchases on the Platform during the hold; only withdrawal is restricted.

After the hold expires, funds are fully available for withdrawal or continued use on GalaxyGrails.io. Buyback proceeds are not subject to the deposit hold — they're available for withdrawal immediately.

📤 Withdrawals​

Withdrawals are sent to your own Stripe-connected account. Before your first withdrawal, note the following:

  • You must have a linked, active Stripe account. If you do not set one up or do not maintain it, you will be unable to withdraw your funds.
  • You must have made at least one pack purchase. Accounts that have only deposited cannot withdraw. (Partnered streamers with a Channel are exempt.)
  • Two-factor authentication is required. Every withdrawal needs a fresh emailed code — a trusted device does not skip this step. See Account & Security.
  • Limits apply. There are per-request minimum and maximum amounts, plus rolling daily and weekly limits. Your current limits are shown in the app.
  • Funds under a hold aren't withdrawable. Deposits still inside the 3-day security window, and any promotional credit, are excluded from your withdrawable total.

The amount you can withdraw right now is always displayed in your wallet — it accounts for all of the above.

🎁 Promotional credit​

Signup bonuses and promo-code credit are added to your account as non-withdrawable credit. This credit:

  • Can be spent on packs like normal funds, and is spent first when you buy a pack.
  • Cannot be withdrawn to your bank, no matter how long it sits.
  • Is void if your account is closed or terminated — it has no cash value and isn't part of your withdrawable balance or your estate.

Referral commissions are different — those are credited as regular, withdrawable balance once they clear the holding period. See Referrals.

🆔 Identity verification (KYC)​

Identity verification through Stripe Identity is required before you can deposit funds, and before any PSA Vault transfer. See KYC Process for the full flow.

🏦 Linking your Stripe payout account​

To withdraw funds you must maintain a valid, active Stripe account linked to your GalaxyGrails.io account. If you do not set up or maintain a valid Stripe account, you will be unable to withdraw your funds.

🧮 If your balance is wrong​

Software has bugs and systems occasionally misfire. If a deposit, buyback, referral commission, or other ledger entry lands in your account at the wrong amount, we correct it — in both directions:

  • If you were shortchanged, we credit the difference as soon as we find it, whether or not you noticed or reported it.
  • If you were over-credited, we reverse or offset the extra amount, and we'll email you explaining what happened and how much was adjusted.

A few things worth knowing: you can't keep money you know was credited by mistake, and if the amount was already withdrawn we may ask you to repay it. We won't reverse a credit more than 12 months after it was made (fraud and chargeback cases aside), and we can't use this to take back funds you legitimately earned or to undo a buyback that just didn't work out in our favor. If you think a correction was wrong, email [email protected] — you have every right to contest it.

The full terms are in Section 9 of the Terms of Service.

💤 Do funds ever expire?​

No. Your balance never expires, and we never keep it because an account went quiet. If an account stays inactive long enough and we can't reach you, state unclaimed property laws may require us to hand the balance over to your state, which holds it in your name until you (or your estate) claim it from the state's unclaimed property program. Keeping your email address current is the best way to make sure we can always reach you first.

If an account holder passes away, their balance and any vaulted cards belong to their estate — see Account Management for how an executor or family member can make a claim.

For the full legal terms governing Account Funds, see Section 9 of the Terms of Service.