Credits and wallet

Credits are prepaid units held in your organization’s wallet. They pay for every SMS and WhatsApp message, and for email and push sends beyond your plan’s allowance. One wallet serves the whole organization.

Watch the walkthrough

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What a message costs

• SMS is priced per segment at the destination country’s rate. A long message or one with an emoji uses more segments. See SMS overview.
• WhatsApp is in early access. Meta bills its own fees to your WhatsApp Business Account directly.

Before a campaign sends, the send checklist shows the estimate and whether your balance covers it.

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What a credit costs

A credit bought on its own costs NGN 1. If your organization pays in another currency, the price is converted at the current exchange rate. The Top up dialog shows the amount in your currency before you pay. Credit packs add bonus credits on top.

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Your balance

Go to Billing & Plans > Credits. The Credit balance section has four tiles: Your wallet is in your organization’s payment currency. See Billing overview.

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Top up now

The credits appear in your balance as soon as the payment is confirmed, and you see Credits added to your wallet. If confirmation takes a moment, you see Payment received. Your credits will appear shortly. instead; the balance updates on its own. Any credit purchase also gives your organization email support.

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Credit packs

A credit pack is a ready-made bundle. Packs discount by adding credits, not by lowering the price: the credits you pay for cost the same per credit as buying them on their own, and bonus credits arrive free on top, shown on the pack card as + N bonus. A typed amount carries no bonus, and neither does an auto top-up. Pack prices are converted into your payment currency at the current rate, so the card shows what you’ll actually pay. The paid credits go into your Purchased balance and the bonus into Bonus, each as its own batch on the Credit expiry list. If no packs are on sale you see No bundles are on sale right now. Enter a custom amount below., and if one is withdrawn while the dialog is open, This credit pack is no longer available. Close the dialog, reopen Top up and choose again.

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Purchased and bonus credits

Credits sit in two buckets, and each purchase is tracked as its own batch (a lot) with an expiry date. Bonus credits can’t pay for WhatsApp, because the WhatsApp fee is priced low and has no room for a discount. When a campaign includes WhatsApp, that part must be covered by purchased credits. If it can’t be, the send is blocked with Not enough purchased credits, even when your total balance looks large enough.

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Auto top-up

Auto top-up buys a fixed number of credits whenever your purchased credits fall below a threshold you choose. The daily cap and the spacing exist so that a large send that keeps the balance under the threshold can’t charge your card again and again. If the card is declined you get an Auto top-up failed notification, and Brudcast tries again after the 60-minute spacing. After 3 failures in a row, auto top-up turns itself off and you get an Auto top-up disabled notification. Update the card, then switch it back on.

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Holds: how a campaign pays

A campaign doesn’t spend credits message by message. When it starts sending, Brudcast reserves the estimated cost for every channel at once and puts it On hold.

• If the wallet can’t cover the whole estimate, the campaign doesn’t start. Reserving up front is what stops a funded campaign from running dry halfway through.
• When each channel finishes, the hold is settled against what was actually sent. Anything unused is released back to your balance.
• A hold with no final result after 48 hours is released automatically.
• Cancelling a campaign releases any credits still held for it. See Campaigns overview.

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Expiry

Credits are always spent oldest expiry first, so the batches closest to expiring go first. Because bonus credits expire sooner, they’re usually spent before the credits you paid for, on any channel they can pay for. The Credit expiry section on the Credits tab lists every batch with its Granted date, Type, Remaining and Expires date. Batches within 30 days of expiry show how many days are left. You get a Credits expiring soon notification 30 days and again 7 days before a batch expires. Expired credits are removed from your available balance. Credits on hold for a running campaign are never taken back mid-send; they’re removed once the hold ends.

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Ledger entries

Every change to the wallet is recorded as a ledger entry with one of these types:

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Low balance

When purchased credits fall below a threshold, you get a Low credit balance notification. The threshold is your auto top-up threshold if you’ve set one, and 100 credits otherwise. With auto top-up on, Brudcast refills the wallet instead of warning you.

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Troubleshooting

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