# Prepaid credit **Credit** is a prepaid balance of points that InfraIO Pay uses to pay your platform fees. Instead of fees being collected from each payment, they can be deducted from your credit. > **Warning:** > > Credit points are **not money**. They cannot be withdrawn, transferred to > another account or exchanged for cash. They can only be used to pay platform fees. ## Where credit comes from - **Top-ups** — you can top up credit with crypto from your dashboard. - **Referral commission** — you can choose to receive earned [referral commission](https://docs.infraio.xyz/en/concepts/referral) as credit. ## How credit is used When a payment settles, the platform fee is deducted from your credit balance first. If the balance does not cover the whole fee, the remainder is handled as a debt that is settled from your next top-up or commission. Credit does not change your fee rate. The rate still comes from your [volume tier and discounts](https://docs.infraio.xyz/en/concepts/pricing). ## Credit versus IFO | | Prepaid credit | IFO token | | --- | --- | --- | | What it is | Points that pay platform fees | An on-chain token on Base | | Withdrawable | No | You can deposit and withdraw IFO | | Transferable | No | Yes | | Fee effect | Pays the fee | Pays the fee at a 20% discount | Your IFO balance is kept separate from credit. See [IFO utility](https://docs.infraio.xyz/en/token/utility).