# Payment
## **Whalinvest credits**
### **What are Whalinvest credits ?**
Whalinvest credits are tokens used to pay your bills.
**1 Whalinvest credit = 1 US dollar**
👍 This is the recommended way to pay your bills because it'll free your mind to think about paying your invoice if you buy enough credits.
### **How do I buy Whalinvest credits ?**
You can buy Whalinvest credits from the *Your credits* page.
#### a - Using a credit/debit card
Enter the total Whalinvest credits amount you want to buy, then follow the classic payment steps of the form.
#### b - With cryptocurrencies
The following cryptocurrencies : **BTC, ETH, LTC, BCH, USDC, DAI**, are accepted as a means of payment.
The payment is made by **sending cryptocurrencies** to our address. You can send cryptocurrencies from the **crypto exchange** of your choice (Binance, Bitfinex, Kraken, etc) or directly from your own **cryptocurrency wallet** (Metamask, TrustWallet, etc).\
\&#xNAN;*Please refer to their documentation if you meet any difficulties.*
Send cryptocurrencies from *Binance*:
❕ Note that cryptocurrency transfers are subject to a blockchain network fee. These fees may vary depending on several criteria such as the type of cryptocurrency sent, the time of day, etc.\
\&#xNAN;*In general, LiteCoin (LTC) transfer fees are the lowest.*
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#### **Caution : if you choose to send one of the following cryptocurrencies : USDC, DAI, ETH, you MUST use the Ethereum network with an ERC20 address.**
{% endhint %}
{% hint style="danger" %}
#### **For the rest, BTC, LTC and BCH use their own networks. In the event of an error, your cryptocurrencies will be permanently lost.**
{% endhint %}
⌚️ Sending cryptocurrencies is not instantaneous, it might take several minutes.
You can see the remaining total of your credits on the right side of the *Your credits* page.
### **Paying a bill with your Whalinvest credits**
An **unpaid bill** appearing on the Bills page can be paid by clicking on the **Pay with your credits** button.
**Your next bills will be automatically paid** with your credits until there are not enough credits left to pay the next bill.
## **Paying your invoice directly**
### **By credit card**
You can pay your invoice directly using your credit card, just click on **Pay with credit card** and complete the form.\
\
**Only invoices higher than 1€ can be paid directly**, if you have to pay less than 1€ just buy credits as explained below.
### **With cryptocurrencies**
To pay a bill in cryptocurrency, click on the *Pay in cryptocurrency* button.
A window with a *Pay in cryptocurrency* button appears.
If you click on it, a window of our payment provider [Coinbase Commerce](https://commerce.coinbase.com/?lang=en) will appear
If you have a Coinbase account, you can use it to pay more easily.
If you don't have a Coinbase account and/or prefer to pay with **cryptocurrencies from another wallet**, select the cryptocurrency with which you wish to pay your bill.
A window will display the amount to transfer and the address you need to transfer it to.
Copy the address and go to the **crypto exchange or wallet** of your choice and **transfer** the required amount to the copied address
{% hint style="danger" %}
#### **Caution : if you choose to send one of the following cryptocurrencies : USDC, DAI, ETH, you MUST use the Ethereum network with an ERC20 address.**
{% endhint %}
{% hint style="danger" %}
#### **Otherwise, BTC, LTC and BCH use their own networks. In the event of an error, your cryptocurrencies will be permanently lost.**
{% endhint %}
{% hint style="danger" %}
#### **Don't forget to take into account the transfer fees. To do this, you must add the network fees indicated by your exchange or wallet to the required amount.**
{% endhint %}
**For example (on Binance) : 0.18606936 + 0.001 = 0.18706936 LTC.**
⌚️ Sending cryptocurrencies is not instantaneous, it might take several minutes.