In this article, you will learn how to add credit, enable automatic top-ups, and understand when and how your credit is used in CloudTalk.
User level: Admin
What is account credit?
Account credit is a prepaid balance used for charges that are not covered by your subscription or calling package.
You can view and manage your credit in Dashboard > Account > Billing.
On the Billing page, you can:
See your current credit balance
Add credit manually
Enable or disable automatic top-ups
Set the balance threshold that triggers a top-up
Choose the amount to add each time
Export your credit movements as a CSV file
How to add credit
You can add credit at any time from the Billing page.
To add credit:
Go to Dashboard > Account > Billing
Find the Credit section
Click Add credit
Complete the payment using your saved payment method
Your updated balance will appear in the Credit section once the payment is processed.
Please note that credit top-ups may take a short time to appear, depending on your bank or payment provider.
Enable automatic top-up
Automatic top-ups help prevent service interruptions by adding credit when your balance falls below a set threshold.
To enable auto top-up:
Go to Dashboard > Account > Billing
In the Credit section, enable auto top-up
Set:
the balance threshold that triggers a top-up
the amount to be added automatically
Save your settings
Once enabled, CloudTalk will charge your saved payment method when your balance drops below the selected threshold.
The Billing page may also display status messages to help you understand your current credit setup and whether any action is needed.
For more details, see How auto top-up works.
What happens when your credit reaches zero
If your credit balance reaches 0 or becomes negative:
Outbound calls are blocked
Inbound calls to toll-free numbers are blocked
Inbound calls to standard (non-toll-free) numbers still work
To restore calling, you need to add credit to your account.
If your credit is running low or has already reached zero, see Credit running low: what to do for step-by-step guidance on restoring service and preventing interruptions.
What is credit used for?
Credit is used for services and usage that are billed outside your subscription or included package limits.
This can include:
Outbound calls charged outside your package coverage
Calls made from the wrong number region
Toll-free number usage
SMS usage
Fair usage policy overages
Conversation Intelligence usage, if billed from credit
Voice Agents usage, if billed from credit
Other usage-based services not included in your plan
For a full breakdown of charges that can use credit, see What uses credit?
Monitor your credit usage
You can track how your credit is being used directly from the Billing page.
To export detailed data:
Go to Dashboard > Account > Billing
In the Credit section, click Export credit movements
Download the CSV file
This export includes all charges deducted from your credit balance.
For a detailed breakdown of the data, see the Credit Movement export guide.
Tips to avoid interruptions
Enable auto top-up to maintain a safe balance
Set a threshold that covers your typical usage
Regularly review your credit usage
Monitor alerts and notifications in the Dashboard
Need help or have a question? Just reach out through our Support portal — we’re here for you.