> ## Documentation Index
> Fetch the complete documentation index at: https://docs.spendghost.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Pay by card

The fallback for when you don't have crypto handy — pay a single order by card, right in the chat.

If you have crypto, [sending USDC to your address](/funding/deposit) is the smoothest way to fund. But you don't have to — when you'd rather **pay a single order by card** (or any crypto token), just say so. The ghost sends you a one-tap link to pay the exact total, and places the order automatically once your payment clears. You never have to come back and confirm again.

> *"pay for it with my card"*
> *"can i just pay the $42 by card?"*

## How it works

**Pick something and get the all-in total**

Same as any order — the ghost shows you the full price (item + a small tax/shipping buffer + the service fee) and you say yes. See [Pricing](/pricing).

**Tap the pay link**

The ghost texts you a one-tap checkout for that **exact total**. Pay with a card or any crypto token.

**It orders itself**

The moment your payment clears, the ghost places the order and texts you the confirmation. No need to return to the chat.

The price you pay is the same all-in total you confirmed — paying by card doesn't change the [fee](/pricing). Any unused tax/shipping buffer still comes back to you automatically. See [Refunds & returns](/using/refunds-and-returns).

## Pay-per-order vs. topping up

| | Pay by card per order | [Send USDC to your balance](/funding/deposit) |
|---|---|---|
| When | You're buying one thing now | You want a balance ready to spend |
| Amount | The exact order total | Whatever you choose |
| Leftover | None — it's just that order | Stays in your balance for next time |

Buying often, and have crypto? [Sending USDC](/funding/deposit) once is smoother than paying by card every time — the ghost catches the deposit automatically, and your balance carries over between orders.