💳 Account Funds
Payments and account balances are powered by Stripe for secure, PCI-compliant transactions.
💵 What you can do
Your GalaxyGrails.io account lets you:
- Pay for packs and PSA Vault transfer fees from your balance, a saved card, or both
- Receive buyback proceeds right away
- Withdraw what you have earned to your own Stripe-connected account
📥 Paying for packs
There is no separate "Add funds" step. Money enters your wallet only when you pay for something: a pack, or a PSA Vault transfer fee. You pay right in the purchase sheet, without leaving the show.
When you buy a pack, the sheet applies what you have in this order:
- Any signup discount (see "Signup discounts and promotional credit" below).
- Your points, if the points switch is on. The switch starts from your "Spend points on purchases" setting, and you can turn it off for a single purchase. See Points.
- Your wallet balance.
- A saved card, charged only for what is left.
A PSA Vault transfer fee works the same way: it comes out of your balance first, and a saved card is charged only for the rest.
- The card fee applies to the card top-up only. When a card covers the gap, it is charged that amount plus a processing fee of 2.9% + $0.30, shown in the sheet before you pay. Anything paid from your balance carries no fee.
- $1.00 minimum card charge. If the gap is under $1.00, your card is charged $1.00 and the rest stays in your wallet.
- One card payment pays for one thing. The card amount is added to your wallet as a deposit and spent on the pack or fee you are paying for, and it is not more than that price. If the purchase can't go through after your card was charged (for example, the pack sold out), the money stays in your wallet and the sheet tells you so. The card processing fee is not refunded in that case.
- Your bank may ask you to confirm. Some banks ask you to approve a payment in their app or with a code. When that happens, the sheet tells you, and it can take up to 30 seconds.
- 18+ and U.S. confirmation. Before your first card payment, you tick a box confirming you are at least 18 years old and located in the U.S.
Saved cards
- You can save up to three cards. Add a new card from the purchase sheet, and remove a saved card at any time with its trash icon.
- By saving a card, you allow GalaxyGrails.io to charge it for future payments you make, under our terms of purchase.
- Some cards can't be accepted, for example a card that has already been used on another GalaxyGrails.io account. There is also a limit on how many new cards an account can add in 30 days. If a card is refused, try a different one.
🧭 Deposit limits
You can set a daily or monthly limit on how much you add to your wallet, from your account settings. Lowering a limit takes effect right away. Raising or removing it takes 24 hours, so the decision isn't made in the moment. A card payment that would go over your limit is refused.
🔒 Deposit Hold Policy
Every card payment is added to your wallet as a deposit, and new deposits carry a 3-day security hold, a standard fraud-prevention measure designed to protect both collectors and the platform.
The hold begins when the payment is credited to your wallet. Deposited funds are fully usable for pack purchases during the hold. A deposit still on hold never counts toward what you can withdraw.
Buyback proceeds are not subject to the deposit hold. Keep in mind that money you deposited is not withdrawable even after its hold ends (see Withdrawals below).
📤 Withdrawals
Withdrawals pay out what your packs and activity have earned you: buyback proceeds, First Pack Covered payments, confirmed referral commissions, Channel commissions for partnered streamers, and any balance corrections our team makes. The most you can withdraw is everything you have earned, minus what you have already withdrawn or have on the way, and never more than your balance outside held deposits and promotional credit.
Unspent deposits are refunded, not withdrawn. Money you added by card and have not spent can't be sent to your Stripe account. It stays yours and fully usable for packs. Contact [email protected] at any time and we will refund it to the card you paid with, subject to the payment processor's limits on how old a charge can be. See Section 9 of the Terms of Service.
Before you withdraw, 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.
- Your identity must be verified. See KYC Process.
- 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.
- New accounts are reviewed. If your account is new (currently, less than 30 days old), our team checks each withdrawal before it goes to Stripe. The amount leaves your balance while it waits. You can cancel the request while it is in review, and if we decline it, the full amount comes back to your balance.
If your account is suspended (for example, when a chargeback is opened on one of your payments) or your identity verification lapses before a withdrawal is sent to Stripe, that withdrawal is not sent and the amount goes back to your balance.
The amount you can withdraw right now is always displayed on your withdrawals page, and it accounts for all of the above.
Once Stripe accepts the transfer to your connected account, the withdrawal shows as succeeded, with an estimated arrival date.
↩️ Refunds and chargebacks
If a card payment is refunded, or a chargeback on it is decided against you, the amount that payment added is taken back out of your wallet balance.
🎁 Signup discounts and promotional credit
If you sign up with a promo code or through a referral link, your signup credit is a one-time discount on a pack, not money in your wallet. The discount:
- Comes off the price of your next pack, before points and your balance.
- Is used in full on that one pack. Any part larger than the pack price does not carry over.
- Expires 30 days after it is issued.
- Comes back, with its original expiry date, if the event is canceled and your pack is refunded.
- Has no cash value and can't be withdrawn.
Some older accounts still hold promotional credit in their balance from before signup credit became a discount. That credit:
- Can be spent on packs, and is spent first when you buy a pack. It can't be used for PSA Vault transfer fees.
- 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 withdraw funds, and before any PSA Vault transfer. You do not need it to buy packs, although it is one of the conditions for First Pack Covered. 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.