I purchased $5 USD in OpenAI credits today at 14:55 UTC, specifically for API usage. Although the funds were withdrawn from my bank, the credits have not been reflected in my OpenAI account balance, despite numerous page refreshes. This is resulting in ‘Insufficient quota detected.’ errors. What should I do?
It’s important to understand that OpenAI verifies newly-input payment cards with an authorization. This is a temporary hold of $5 that looks like a charge when viewed in most banking online. However, it is not actually a full charge that withdraws money: it will expire, the amount of time depending on your bank.
You must decidedly go into “add to credit balance” and choose the amount that you want to pay to purchase prepaid credits and finalize that transaction. If you missed this step - no money in your account.
Does that sound about right?