In-game currency, top-ups and premium time

Skins payments for top-up and in-game currency stores

Players top up with the skins they already hold. You get USD on your balance and a webhook for every payment.

Approval needed. This is a restricted category in our Acceptable Use Policy: it is allowed after our written approval and extra checks during verification.

Top-up stores sell small amounts, often, to players in many countries. That is exactly the traffic card processors are nervous about. Skins give those players a way to pay that does not depend on their bank.

The player chooses a top-up, pays with CS2, Dota 2 or Rust items and accepts one Steam trade. Your store receives a signed webhook and delivers the top-up. Values are fixed when the inventory loads, so the player knows exactly what they get.

Top-ups, game currency and digital goods resellers are a restricted category in our Acceptable Use Policy: you need our written approval before going live. Tell us which games you serve and how you source what you sell when you apply.

Restricted category: written approval needed before going live. Selling stored value for other businesses, such as gift cards or vouchers, is not allowed.

The problem

What gets in the way today

Small orders, big fees

Fixed card fees eat a large share of a small top-up.

Declines across borders

Your players are everywhere; their cards often do not work for you.

Disputes after delivery

Card chargebacks arrive after the currency is spent. A skins payment has no card to dispute.

Live market

Value your customers already hold.

Real items on the market right now, with live prices. Every one of them can pay for what you sell.

On the market right now Live prices, refreshed every few minutes
  • AK-47 | Redline (Field-Tested) AK-47 | Redline Field-Tested $24.05
  • AWP | Asiimov (Field-Tested) AWP | Asiimov Field-Tested $99.27
  • Knife ★ Karambit | Marble Fade (Factory New) Karambit | Marble Fade Factory New $937.37
  • M4A1-S | Solitude (Factory New) M4A1-S | Solitude Factory New $9.54
  • Gloves ★ Sport Gloves | Vice (Field-Tested) Sport Gloves | Vice Field-Tested $353.46
  • Desert Eagle | Printstream (Field-Tested) Desert Eagle | Printstream Field-Tested $32.78
  • Knife ★ Butterfly Knife | Fade (Factory New) Butterfly Knife | Fade Factory New $1,927.73
  • USP-S | Printstream (Field-Tested) USP-S | Printstream Field-Tested $35.05
  • M4A4 | Falak (Battle-Scarred) M4A4 | Falak Battle-Scarred $13.74
  • Glock-18 | AXIA (Field-Tested) Glock-18 | AXIA Field-Tested $17.29
How SkinsFlow helps

Built for top-up stores

One percentage, any size

A flat 2.5% of each credited payment, whatever the order size.

Fast delivery

Webhooks tell your store the moment a payment is final.

Your currency on screen

Customers see prices in the currency you choose; your balance is in USD.

Limits per payment

Set minimum and maximum amounts for every checkout.

Store plugins

WooCommerce, PrestaShop, OpenCart and more, or your own code with the SDKs.

Getting started

From sign-up to first payment

  1. Apply

    Open an account and describe your store. We review top-up stores before they go live.

  2. Get approved

    Complete verification and receive written approval.

  3. Connect your store

    Install a plugin or use an SDK, in test mode first.

  4. Deliver on webhook

    Top-ups go out automatically when the payment is final.

Recommended integrations

Plug in what you already run

OpenCart

OpenCart 4.0.x or 3.0.x · PHP 7.1+

A payment extension for OpenCart stores. Install, paste keys, done.

PHP SDK

PHP 8.0+ · ext-curl and ext-json

Create payments and check notices from any PHP site or framework.

FAQ

Questions, answered.

Do top-up stores need approval?

Yes. Top-ups, game currency and digital goods resellers are a restricted category in our Acceptable Use Policy, so we review your store before it goes live.

Can I sell gift cards?

No. Selling stored value for other businesses, such as gift cards, vouchers or store credit for another company, is prohibited.

How fast is delivery?

As soon as the payment is final. Payments under Steam Trade Protection are delivered when the hold ends, or right away if you release them early.

What is Steam Trade Protection?

Steam can hold traded items for up to 7 days and return them to the customer in that window. SkinsFlow tracks every protected payment: it is credited automatically when the hold ends, or right away if you release it early because you trust the customer. If items go back after an early release, the amount comes off your balance and your site is told.

What does it cost?

SkinsFlow charges 2.5% of each credited payment. No setup fee, no monthly fee.

How do I get the money out?

Request a payout from your dashboard by crypto, SEPA, ACH, PayPal or Revolut once your business is verified, from $20. You can also spend your balance on skins from our market and send them to anyone with a Steam trade link.

Start today

Take skins this week.

Apply, tell us about your business, and we will guide you through approval.

Get started