Store credits, top-ups and cashing out
How the HKD store-credit wallet works: topping up with bonus gift credits, spending, and withdrawing to FPS or PayMe.
Last updated: 2026-07-24
Every trade on HiMarket settles in store credits — an HKD balance on your account. You earn them by selling cards, or top up by credit card. This guide covers the full life cycle: getting credits in, what the two credit types do, and getting money back out.
Topping up
Most buyers never top up manually: if your balance doesn't cover a purchase, checkout adds the difference as a one-click card payment. You can also top up ahead of time from the Store Credits page (minimum HK$50, credit card via Stripe).
Top-up bonus: amounts above HK$500 earn gift credits worth 2% of the excess. The HK$1,000 preset includes +HK$10 gift credits; HK$3,000 includes +HK$50.
Store credits vs gift credits
| Store credits | Gift credits | |
|---|---|---|
| Buy cards | Yes | No |
| Pay fees & deposits | Yes (after gift credits) | Yes — used first |
| Cash out | Yes (6% fee) | No |
| How you get them | Selling cards, top-ups | Top-up bonuses |
Whenever a fee or deposit is charged — the HK$3 + 4% transaction fee, a buylist commitment bond, the cash-out fee — gift credits are consumed first, protecting your spendable store credits.
Cashing out
- Go to the Store Credits page and request a cash-out (minimum HK$50).
- Choose FPS or PayMe as the payout method.
- We confirm the details with you on WhatsApp and pay out within 1–3 business days.
The cash-out fee is 6% of the withdrawal amount, charged gift-credits-first. That is also why keeping proceeds as store credits is the better deal if you plan to buy more cards — credit is effectively worth ~6% more than cash, and buylist offers display both figures.
Where refunds go
If an order is cancelled or refunded, whatever you paid by credit card goes back to the card first; the rest returns as store credits. Details: Refunds & disputes.
Common questions
How do I get store credits?
- Sell cards through the sell list system or fulfil buylist offers
- Purchase credits directly with a credit card (minimum HK$50)
Why is there a 6% cash-out fee?
The fee covers payment processing and keeps in-platform trading cheap: listing is free and the transaction fee is only HK$3 + 4%. If you keep your proceeds as store credits and spend them on cards, you avoid the cash-out fee entirely — which is why buylist prices show store credit as worth about 6% more than the cash equivalent.