OKX Pay and your trading account are two separate balances. Moving money from Pay back to your trading account is an internal transfer. It is free and usually takes a few seconds. But there is one common mistake when adding money: your coins must be in your funding account, not in your trading account.
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First, Check Which Account Your Money Is In
OKX keeps your assets in two places: the funding account and the trading account. The Pay deposit feature reads the balance from your funding account, not your trading account.
If you have USDT in your trading account but the Pay deposit page shows an available balance of 0, this is not a bug. You need to go to the OKX transfer page, move USDT from your trading account to your funding account, and then go back to Pay to add money.
Adding Money from Your Funding Account to Pay
After entering Pay mode, there are a few ways to start a deposit. On the home page, tap Pay and enter a payment amount. If the amount is larger than your current balance, you will be asked to choose a deposit method. You can also go to the Pay balance details page, tap a token, and select Deposit.
When choosing a deposit method, tap Trading Account. This name refers to a transfer from your exchange account, which actually uses your funding account balance. Then select USDT or USDC, enter the amount, and confirm on the next step.
Currently, this deposit feature only supports the X Layer network. You can deposit USDT, USDC, or USDG. If the amount is over the daily limit, the system will require two-factor authentication (2FA).
You cannot cancel after submitting. If you enter something wrong, you must wait for it to complete and then transfer the money back from Pay to your trading account.
Transferring from Pay Back to Your Trading Account
On the Pay page, tap the ↑ icon at the bottom. Select Transfer to Exchange Account. Choose the coin and network (X Layer), enter the amount, and confirm on the next step.
Internal transfers through the X Layer network are free. OKX covers the cost. You need to complete Passkey verification. After submitting, you cannot cancel or reverse the transfer.
Once complete, the money will return to your trading account. If it goes back to your funding account instead of your trading account, you may need to make another transfer on the transfer page.
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What to Do If You Do Not See Your Money After Depositing
First, check whether you can see the token on the Pay balance details page. If not, check whether your USDT is in your funding account instead of your trading account. Also check if some assets are locked or protected, which can make the available balance on the deposit page lower than your actual balance.
Also, Pay deposit records and trading account transfer records are separate. After a deposit is complete, you will receive an email and a push notification. You can use these to confirm whether the action was successful.
