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Harmony on Tap uses a virtual economy called HoT Credits (Harmony on Tap Credits).
When you make sales on the site, complete special offers, and when your referrals perform certain tasks, you receive HoT Credits.
At any time, you can cash these credits out for a PayPal transfer at the rate of 1,000 credits per $1.00. That means each HoTC has the value of 1/10 of a penny; this allows for people to provide "micro incentives" to visitors to reward certain activity (such as rating an album or venue, adding comments, becoming a fan of your Facebook page, etc.)..
When a shopper purchases products or services from Harmony on Tap, your customer can choose to pay with either HoTCs or US$. This allows your shopper to purchase your products without spending any money or entering a credit card.
You receive HoTCs, which essentially act as a bank or "pool" for your pending payout. You can take a payout anytime your balance is over $10.00.
Before you can take a payout from the site, you must add your PayPal e-mail address to your account.
Go to My Profile > Edit, change your Payment options to Paypal, and enter your Paypal e-mail address. The PayPal e-mail address is the address that you used when you created your PayPal account.
The HoT Credit economy allows fans to purchase your music, services, and products without spending their own money or entering payment information, although paying with PayPal or a credit card is always an option for buyers on the site.
Allowing customers to use a free purchase method makes it easier for you sell your products and monetize your activities. Fans may not want to pay for tickets to an opening act, and offering swag "for free" (which then leads the fan through some credit-generating actvities) is a great way to generate more interest for your band.
Learn more about HoT Credits in the HoT Credits - Rewards System article.