Paying with Wallet, Credit, and ACH
Yes. You can use your Creatures Credit and your Wallet balance to buy an animal, then pay anything left by card or US bank account. Creatures always uses Credit first, then Wallet, then your card or bank.
- Creatures Credit can be spent on eligible purchases. It can't be withdrawn as cash.
- Wallet is real money held in your Creatures balance.
Buying one animal
After you select Buy Now and make any boarding or delivery choices, the Checkout summary opens.
- Under Use available balance:, tick Creatures Credit, Wallet balance, or both. Each one shows how much you have.
- Check the lines: Animal price, Service fee, any delivery, the amounts taken off, and the Total.
- Select Continue to Checkout to pay the rest on the secure payment page. To pay without your balances, select Skip.
If your balances cover everything, the Total shows $0.00 and the button changes to Purchase. Tick the box to agree to the terms and conditions, then select Purchase. No card is needed.
A won auction paid with Pay Now uses this same summary.
Your cart and sale event wins
In your cart, and on the page where you pay for sale event wins, Creatures applies your Credit and Wallet funds for you. The summary says "Available Credit and wallet funds are applied automatically before card payment." You can't leave them out on these pages. To keep a balance for later, buy that animal on its own with Buy Now.
Due today shows what's left for your card or bank. If your balances cover it all, the button reads Complete purchase instead of Continue to secure checkout.
Boarding
Credit and Wallet can pay the one-time animal price and its fees. They can't pay for boarding. The summary lists boarding under Monthly Recurring, with the note that Credit and Wallet balance can't pay it.
Paying from a US bank account
On the secure payment page, choose the US bank account option when it's offered, then follow the steps to connect your bank. Some promo codes only allow a card.
A bank payment takes time to clear, usually 1 to 3 business days and at most 5. Until then, the listing says Your payment is on the way and the animal stays reserved for you. You'll get a notification once the payment is confirmed. The seller is told to wait for that before handing over the animal.
After it clears, your purchase follows the same held-funds steps as a card payment. Creatures holds the money until the handoff is done. See How buying works.
If Creatures asks for a code
If you signed in from a link in an email, Creatures may email you a code before it uses your Credit or Wallet. It confirms that it is really you before your money is spent. See Why Creatures asks for a code before showing your money.
Related information
- Your Creatures Wallet: balance, holds, and getting paid
- Creatures Credit: what it is and how it is spent
- Buying several animals with your cart
- When does the seller get paid? Your role as the buyer
Updated on: 29/10/2026
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