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After you generate a new top-up card, you need to activate it. Otherwise, this top-up card will be accessible in the system, but not available for usage.
You can monitor whether the card is active in the Retail section > Top-up cards (see screenshot below).
Screenshot: Top-up cards section
Go to the Payment Gateways and enable the Top-up cards checkbox.
Screenshot: Payment Gateways settings
Go to Billing & Payment > Refill Balance, choose a payment method, and target amount.
Click the Process button.
Screenshot: Refill balance settings/ Control panel
Please note that the Payment Gateways section was moved to Client Portal configuration in later versions. You can get more info about it here.