# The Y-Cucumber Account

* The payment to buy the Cucumber credit can be made via the digital payment system. Rates may vary slightly based on circumstances and the amount of credit purchased (See [**Cucumber Credit Price**](#cucumber-credit-price) table).
* For the Singaporean YC wallet, an additional 5% will be charged if the selected payment method is a credit or debit card payment but no charges upon checkout if the client opts to pay via PayNow. For the Malaysian YC wallet, an additional 3% processing fee will be charged upon all options of Cucumber credit upload. <br>

  <div align="left"><figure><img src="https://2004646444-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F3RqtCm895a0TYb7ck4Rp%2Fuploads%2FcKm7pp1x9DZ8gCPsGKiX%2Fimage.png?alt=media&#x26;token=0e07416d-8b94-47c5-9e84-e895bea8ea6d" alt="" width="375"><figcaption><p>Singaporean client checkout card charges</p></figcaption></figure></div>

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  <div align="left"><figure><img src="https://2004646444-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F3RqtCm895a0TYb7ck4Rp%2Fuploads%2F0nGNNS4j3mkJDRETcRQ2%2Fimage.png?alt=media&#x26;token=6f1119bf-a565-45bb-9168-a5521dafd14a" alt="" width="375"><figcaption><p>Malaysian client checkout charges</p></figcaption></figure></div>
* When booking services, clients are required to top up at least 20% additional credit on top of the rate of the session before engaging the service. For example, if a session costs 200 Cucumber credits, the client is required to top up an amount of at least 240 Cucumber credits in order to proceed with securing the booking. &#x20;
* When a booking is secured, the Y-Cucumber platform would hold the session fee until the session is fulfilled to be credited to the Service Provider’s account. &#x20;
* Upon the successful completion of session. the additional 20% credit which was initially deposited during the booking will be credited back to the client's wallet.&#x20;
* The Service provider will be able to view the transaction record in their account and get their payroll during the Payday. In the case in which a withdrawal request was made before Payday via form submission, it might take up to **3 business days** to process and additional charges may apply. (See [**Bank Details**](https://manual.ycucumber.com/in-app-tutorial/bank-details))
* Payday for service providers is a specific day of the month set by the Y-Cucumber platform. In the occasion in which Payday falls on a public holiday, a delay to postpone to the next business day is possible. &#x20;
* A 2% platform fee would apply for service providers upon withdrawal of the credited amount. An additional 5% will be added on top of the platform fee for manual handling of a withdrawal request, which is a withdrawal initiated on a non-Payday. (See [**Applicable Charges**](https://manual.ycucumber.com/the-y-cucumber-account/applicable-charges))
* For the Singaporean service provider YC wallet, a **minimum of SGD100** balance is required for any form of withdrawal. For the Malaysian YC service provider wallet, a **minimum of RM100** balance is required for any form of withdrawal.&#x20;
* Apart from securing the payroll of freelancing service providers, the Y-Cucumber account protects the interest of all users by keeping trackable records and minimising commitment-related complications through the penalty system. (See [**Ratings**](https://manual.ycucumber.com/engagement-feature/ratings) and [**Applicable Charges**](https://manual.ycucumber.com/the-y-cucumber-account/applicable-charges))&#x20;

### **Cucumber Credit Price**&#x20;

<figure><img src="https://2004646444-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2F3RqtCm895a0TYb7ck4Rp%2Fuploads%2Fu50pA9LOgvSMZ0RaRjCX%2Fimage.png?alt=media&#x26;token=e2a1ba0d-c3bf-4742-a303-ace3bea97792" alt=""><figcaption></figcaption></figure>

**\*The credits uploaded in the wallet of respective countries are not interchangeable or convertible. That means, if a client uploaded 950 Cucumber credits in SGD, this credit cannot be converted into MYR500 on the Malaysian interface. Refer** [**Country Selection**](https://manual.ycucumber.com/country-selection) **page.\***