Deposits & Refunds

Why People Deposit

Most people on Opinyze never deposit money, they just earn from surveys and polls. Deposits exist for one main reason: to fund your own surveys. If you want to run a paid survey to gather opinions for your project, you deposit credits and use them to reward respondents.

Deposits also pay for premium AI features, like the AI question generator and AI insights on your survey results.

Spend Only

Credits you deposit land in your Spend only balance. You can use them to fund surveys, AI features, and any other in-app action, but they cannot be withdrawn back to your bank.

This is intentional. Deposits and earnings serve different purposes, and keeping them separate protects the rewards economy from being used as a money-movement service. Earnings funded from creator deposits keep their full purchasing power inside the app, but they don't withdraw to your bank. That's how we keep the reward economy honest for everyone.

If you need to move money out of the platform, the only path is the one earnings take: complete surveys, earn credits, wait through the brief safety window, then withdraw your earned balance to your bank.

How Deposits Work

1. Open your Wallet and tap Add Funds.
2. Choose an amount and a payment method.
3. Complete the payment with our gateway partner.
4. Once confirmed, the credits appear in your Spend only balance, ready to use.

You'll get a confirmation email with the reference number for every successful deposit. If a deposit fails partway through, no charge is made and you can simply try again.

Refunds

When a survey you funded ends with unspent budget (because it didn't fill all its targeted responses), the unused credits are refunded to your wallet. Refunds always go back to the same balance the credits came from, so deposit-funded budgets refund to your Spend only balance.

Some refund cases work differently:

• Closing a survey early. Any unspent budget refunds when the survey closes.
• Survey rejected during review. The full deposit refunds automatically.

Refund Debt

In rare cases, the platform may need to reverse credits that were already paid out, for example, when a fraudulent response is detected after the reward was granted. When that happens and your wallet doesn't have enough to cover the reversal at the moment, the difference becomes refund debt on your account.

Refund debt doesn't take money out of your bank. It simply means new earnings will first go toward clearing the debt before they show up as withdrawable. Once the debt is cleared, things return to normal automatically.

If you ever see refund debt on your wallet, it always comes with an explanation. Reach out to support if anything looks off.