> ## Documentation Index > Fetch the complete documentation index at: https://help.cloudtalk.io/llms.txt > Use this file to discover all available pages before exploring further. # Managing your credit in CloudTalk > Manage your account credit, set up auto top-ups, and understand how credit is used > [!NOTE] > > 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 > Settings > Billing**. On the [Billing page](https://help.cloudtalk.io/en/articles/5591834-billing-page-overview.md), 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: 1. Go to **Dashboard > Settings > Billing** 2. Find the **Credit** section 3. Click **Add credit** 4. Complete the payment using your saved payment method ![](https://mintcdn.com/cloudtalk/NaLCtq06pFIW2ogE/images/help-center/articles/2480517/3c06c683d523-screenshot-2026-04-14-at-12-36-35.png?fit=max\&auto=format\&n=NaLCtq06pFIW2ogE\&q=85\&s=b8283262af3f5696652e0af1b5580e4d) 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. > [!TIP] > > **If your account is still being verified:** while a new account is pending manual verification, adding credit is temporarily unavailable. If you reach your credit limit during this time, outbound calling will be blocked until verification is complete. Verification is handled by our team, and credit top-up becomes available once it's finished. If you're blocked and need to make calls, contact [Support](https://support.cloudtalk.io/hc/en-us/requests/new?ticket_form_id=26305535257884) so we can check the status of your verification. ### 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: 1. Go to **Dashboard > Settings > Billing** 2. In the **Credit** section, enable **auto top-up** 3. Set: * the balance threshold that triggers a top-up * the amount to be added automatically 4. 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](https://help.cloudtalk.io/en/articles/14636883-how-auto-top-up-works.md). ## 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](https://help.cloudtalk.io/en/articles/14638631-credit-running-low-what-to-do.md) 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 * [Calls forwarded through CloudTalk](https://help.cloudtalk.io/en/articles/14639558-understanding-forwarded-and-redirected-call-charges.md) * Toll-free number usage * [SMS usage](https://help.cloudtalk.io/en/articles/14652499-sms-mms-and-whatsapp-pricing.md) * [Fair usage policy](https://help.cloudtalk.io/en/articles/14633971-fair-usage-policy.md) overages * [Conversation Intelligence](https://help.cloudtalk.io/en/articles/9128167-conversation-intelligence.md) usage, if billed from credit * [Voice Agents](https://help.cloudtalk.io/en/articles/11053795-getting-started-with-voiceagents.md) 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?](https://help.cloudtalk.io/en/articles/14634073-what-uses-credit.md) ## Monitor your credit usage You can track how your credit is being used directly from the Billing page. To export detailed data: 1. Go to **Dashboard > Settings > Billing** 2. In the **Credit** section, click **Export credit movements** 3. 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](https://help.cloudtalk.io/en/articles/14470553-credit-movement-export.md) 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 * Set up email notifications so admins are informed when your balance is running low. See [Credit balance alert emails](https://help.cloudtalk.io/en/articles/15176446-credit-balance-alert-emails.md). ## FAQs * **Can I transfer credit to another account?** No. Credit balances in CloudTalk are tied to the account they were purchased on and cannot be moved to a different CloudTalk account. If you need credit on a second account, an admin on that account can add it directly via **Dashboard > Settings > Billing > Add credit**. If you have a significant unused balance on another account and would like to discuss options, contact your Account Manager. They can explore whether a commercial adjustment is possible. *** *Need help or have a question?* Just reach out through our [Support portal](https://support.cloudtalk.io/hc/en-us/requests/new?ticket_form_id=26305535257884) — we're here for you. ## Related topics - [Understanding your CloudTalk invoice](https://help.cloudtalk.io/en/articles/15163668-understanding-your-cloudtalk-invoice.md) - [How to Import Contacts into CloudTalk](https://help.cloudtalk.io/en/articles/2145547-how-to-import-contacts-into-cloudtalk.md) - [Your New CloudTalk Menu and Where Everything Moved](https://help.cloudtalk.io/en/articles/your-new-cloudtalk-menu.md) This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.