Payment Policy

CRATE runs on a prepaid wallet. You add credits to your CRATE wallet, then spend that balance on hats, unusuals, war paint and keys across the catalog. Your wallet is held in US Dollars (USD) and one credit equals one US Dollar (1 credit = US$1); prices and balances can be displayed in USD, EUR, GBP, AZN or KZT using the currency selector. One balance covers the whole site — no per-item card entry.

Wallet top-ups are made by debit or credit card. We accept Visa and Mastercard. You enter your card details on CRATE's checkout; they are transmitted over an encrypted (TLS) connection to our server and immediately forwarded to our PCI-DSS-compliant payment processor to authorise the charge. CRATE does not store your full card number — we retain only a masked reference (such as the last four digits) for your receipt and fraud checks.

Card transactions are encrypted in transit and processed under the PCI-DSS standard. Where your bank supports it, payments are protected by 3-D Secure (Visa Secure / Mastercard Identity Check). We may decline or hold a top-up if our fraud checks flag unusual activity.

You pay in the currency you choose. Your wallet balance is kept in USD, and items are priced and debited from it in USD. When you select another display currency, prices are converted from USD at the exchange rate we show at that moment, for information. A card top-up is charged exactly the amount you enter, in the currency you selected, and your wallet is credited with its USD value at our rate at the time of payment, rounded down to the cent; the checkout shows the USD amount before you pay. A single top-up can be any amount from €1 to €20,000, or its equivalent in the currency you pick at the day's rate (US dollars included), with the maximum rounded down to a round figure so it never exceeds €20,000; the wallet page shows it in your currency. If you pay with a card denominated in a different currency, your bank applies its own exchange rate and may add a foreign-transaction fee — CRATE does not control or receive those charges. Catalog prices may move with the live market until the moment your order is placed.

Successful top-ups credit your wallet immediately on confirmation from the payment provider. If a payment is authorised but credits do not appear within a few minutes, contact support and we will reconcile the transaction.

If a card payment is declined, no credits are added and you are not charged. A declined top-up is usually caused by your bank, an incorrect detail, or insufficient funds — check with your card issuer before retrying.

Wallet credits are a stored prepaid balance, not a bank deposit, and earn no interest. Credits you buy via card top-up are non-transferable between accounts and are used to purchase items rather than withdrawn as cash; unspent credits from a top-up are refundable to your card within 14 days of the top-up, through support. Proceeds you earn from selling your own items are held as a separate withdrawable balance (see below). Refunds for eligible orders are returned to your CRATE wallet — see our Refund Policy for details.

Users who sell their own items on the platform accrue the proceeds (net of a 10% platform commission) as a withdrawable wallet balance. Withdrawals are requested from your wallet and paid to your verified bank card or bank account. Credits you buy via card top-up are used to purchase items and are not withdrawable as cash.

Before your first withdrawal is released we verify your identity on the verification page: full legal name, a government-issued identity document (such as a passport), residential address, and payout details. Verification is reviewed and must be approved. We may apply limits, request further information, and delay or decline payouts to prevent fraud and to comply with applicable law. Payouts are released once the request is approved.

Your card details pass over an encrypted connection through CRATE's server to our PCI-DSS-compliant payment processor, which authorises the charge; CRATE does not store your full card number (see "accepted payment methods" above). Once a top-up is confirmed, the credited amount is recorded as a prepaid wallet balance in CRATE's own systems, not by the payment provider. Proceeds from selling your own items are likewise recorded as a withdrawable wallet balance in our systems until you request a payout. Withdrawal requests are reviewed by CRATE and — once your identity verification (KYC) is approved — paid out directly by us to your verified bank card or bank account; payouts are not an automated pass-through from the card processor. In short: card authorisation is handled by our PCI-DSS processor (we forward your details to it and do not store your full card number), while wallet balances themselves are held and administered by CRATE until spent or paid out.

Every top-up and purchase is recorded in your dashboard order and wallet history. You can review your transactions there at any time.

Questions about a payment? Email support@crate.army. CRATE is operated by DEK KEY OÜ, Registry code 17506258, Kivilinna tn 15-92, Narva, Ida-Viru maakond, Estonia.