Add PAC to your account

PAC is pegged 1:1 to USD — add $20, get 20 PAC. There's no spread and no fee on adding credit.

Adding PAC

Open your dashboard and use the Wallet card. Choose an amount, pay by card, and the credit appears on your balance once payment clears. Minimum $1.00.

You can also add PAC at checkout: if you try to buy an app and your balance is short, you'll be offered a top-up for the difference without losing your place.

What you'll be charged

The amount you top up, plus any tax that applies in your country. Panoply is the merchant of record, so tax is handled at this point rather than by each creator — see How a sale works.

PAC you add is spend-only

This is the part worth reading twice, because it is the thing people most often get wrong.

PAC you added yourself is deposited PAC, and deposited PAC is spend-only. You can buy apps with it. You can never withdraw it, and there's no process to convert it back to cash. Adding PAC is a one-way door.

PAC you were paid for selling an app is earnings, and earnings are the only PAC that can leave the platform.

The two are held apart and never shown as a single total, because they aren't interchangeable. A creator who also buys apps has both, separately. See Your dashboard for how they appear, and Cash out for withdrawing earnings.

So don't deposit more than you intend to spend. If you close your account, deposited PAC is forfeit — swept to the platform, not refunded.

Changing your mind

Adding PAC being one-way is about withdrawal, not about your right to a refund.

You have 14 days from buying PAC to change your mind for any reason, and we refund unspent PAC to the card you paid with. That's a separate clock from the one on any app you buy: PAC bought in January and spent in June refunds as PAC, and that PAC's own 14 days ran out in January.

See the Refund Policy for both clocks in full.