You use the Credits Plan tab to set and manage credit limits within a Workspace in the Administration Console. You use this functionality to control message delivery across different communication channels.

When you define a credit plan, you ensure that the usage of each Workspace does not exceed an estimated number of credits. You manage costs and prevent overspending across all configured delivery channels.

You apply credits to all channels combined or to specific channels individually, depending on your business plan. You enforce organization-wide limits or restrict specific channels such as SMS, WhatsApp, or email based on business priorities.

In summary, the Credits Plan provides:

Greater control over message delivery.
Protection against exceeding the estimated credit usage.
Flexibility to apply limits across all channels or to individual channels.

You locate the credit plan configuration by navigating to the Environment List. You select the Workspace where you want to manage the credit plan. You then select the Space Config button.

After you select the Space Config button, you go to the configuration Workspace. You select the Credits tab.

Step 1. Start a New Credit Plan

When no credit plan exists for a Workspace, you see the Credits tab in an empty state. You see a message indicating that no credit plan has been created yet.

You select New Credit Plan to begin setting up a plan for the Workspace.

Step 2. Fill Out Credit Information

You see a form where you enter the details for the new credit plan.

You see the following fields in this section:

Environment name — The Environment where the Workspace is configured.
Space name — The specific Workspace you are configuring the credit plan for.
Credit configuration — You select how the credit limit is applied. The available options are:
- All channels: Apply the credit limit across all available delivery channels in the Workspace.
- Channel specific: Apply the credit limit to one or more delivery channels individually.

All Channels

If you choose All channels, the platform applies a single credit limit across all delivery channels in the Workspace.

In the Total Credits field, enter the maximum number of credits you want to allocate.
Select Add to confirm the credit amount.
You see a detailed configuration table and additional options for managing the plan. You edit or remove credits assigned to all delivery channels in this table.
Renew Credits: You use this toggle to automatically restore the assigned credits at a defined interval. Credits are replenished without manual intervention.

When you enable this toggle, you see a dropdown menu to select the renewal period:
- Weekly – Credits reset every week.
- Monthly – Credits reset every month.
- Quarterly – Credits reset every three months.
- Half-year – Credits reset every six months.
- Annually – Credits reset once per year.
At the start of each renewal period, the credit amount returns to its originally configured value.

Example: If you allocate 500 credits to SMS and select Monthly, the platform restores the SMS credits to 500 at the start of each month. The restoration applies regardless of credits consumed in the previous month.
Roll Over Credits: This toggle is available only when Renew Credits is enabled. You use this feature to determine how unused credits are handled when a new renewal cycle begins.
- ON: The platform rolls over unused credits from the previous period and adds them to the next period.
- OFF: The platform does not carry forward unused credits. Credits reset to the configured amount at the start of the new period.
Example — Roll Over ON: If only 300 of 500 monthly SMS credits are used in January, the remaining 200 carry over into February. The SMS channel has 700 credits at the start of February.

Example — Roll Over OFF: Credits reset to 500 at the start of February, regardless of any unused balance from January.

⚠️
WARNING
When Roll Over Credits is enabled, unused credits from a previous period are carried forward into the next period. This functionality is limited to a maximum of three consecutive periods. After the third period, any remaining unused credits will no longer roll over.
Overage: You use this toggle to control whether credits are replenished once the configured limit is fully consumed.
- ON: When credits reach zero, the platform adds credits beyond the original plan limit to allow continued message delivery.
- OFF: Once the configured credits are consumed, no further messages are delivered until the plan is updated or renewed.
Example: If you configure 500 credits for SMS and enable Overage ON, once all 500 credits are used, the platform allows additional credits to be consumed (e.g., 520, 600, etc.). If Overage is OFF, message delivery stops once the 500-credit limit is reached.
⚠️
WARNING
When the Overage is enabled and the credits are fully consumed, the platform increases the credit allocation by 100% of the originally assigned amount for that period.
- Example: If the plan was configured with 100 credits, once they are consumed, an additional 100 credits are added automatically.
- This increase occurs only once per period.
Credit Plan Activation: You use this feature to determine when the configured credit plan is applied. You define both the start date and the timezone.
- Date: Select the specific calendar date on which the credit plan begins.
- Timezone: Choose the timezone that applies to the activation date.
You select Next to continue with the credit plan configuration.

Channel specific

If you choose Channel specific, the platform assigns a separate credit limit to each delivery channel. You control and monitor credit usage independently for SMS, WhatsApp, Email, or RCS.

Assign Credits per Channel: Use the Channel dropdown to select the desired channel and enter the number of credits to allocate. Once a delivery channel has been assigned credits, it is no longer available in the dropdown.
Select Add to confirm the credit amount.
You see a detailed configuration table and additional options for managing the plan. You edit or remove credits assigned for each delivery channel in this table.
Renew Credits: You use this toggle to automatically restore the assigned credits at a defined interval. Credits are replenished without manual intervention.

When you enable this toggle, you see a dropdown menu to select the renewal period:
- Weekly – Credits reset every week.
- Monthly – Credits reset every month.
- Quarterly – Credits reset every three months.
- Half-year – Credits reset every six months.
- Annually – Credits reset once per year.
At the start of each renewal period, the credit amount returns to its originally configured value.

Example: If you allocate 500 credits to SMS and select Monthly, the platform restores the SMS credits to 500 at the start of each month. The restoration applies regardless of credits consumed in the previous month.
Roll Over Credits: This toggle is available only when Renew Credits is enabled. You use this feature to determine how unused credits are handled when a new renewal cycle begins.
- ON: The platform rolls over unused credits from the previous period and adds them to the next period.
- OFF: The platform does not carry forward unused credits. Credits reset to the configured amount at the start of the new period.
Example — Roll Over ON: If only 300 of 500 monthly SMS credits are used in January, the remaining 200 carry over into February. The SMS channel has 700 credits at the start of February.

Example — Roll Over OFF: Credits reset to 500 at the start of February, regardless of any unused balance from January.

⚠️
WARNING
When Roll Over Credits is enabled, unused credits from a previous period are carried forward into the next period. This functionality is limited to a maximum of three consecutive periods. After the third period, any remaining unused credits will no longer roll over.
Overage: You use this toggle to control whether credits are replenished once the configured limit is fully consumed.
- ON: When credits reach zero, the platform adds credits beyond the original plan limit to allow continued message delivery.
- OFF: Once the configured credits are consumed, no further messages are delivered until the plan is updated or renewed.
Example: If you configure 500 credits for SMS and enable Overage ON, once all 500 credits are used, the platform allows additional credits to be consumed (e.g., 520, 600, etc.). If Overage is OFF, message delivery stops once the 500-credit limit is reached.
⚠️
WARNING
When the Overage is enabled and the credits are fully consumed, the platform increases the credit allocation by 100% of the originally assigned amount for that period.
- Example: If the plan was configured with 100 credits, once they are consumed, an additional 100 credits are added automatically.
- This increase occurs only once per period.
Credit Plan Activation: You use this feature to determine when the configured credit plan takes effect. You define both the start date and the timezone.
- Date: Select the specific calendar date on which the credit plan begins.
- Timezone: Choose the timezone that applies to the activation date.
You select Next to continue with the credit plan configuration.

Step 3. Review Summary Credit

After you configure the credit plan and select Next, you see a Summary Credit screen. You see an overview of the credit settings before the plan is saved.

You see the following in this summary:

Environment name — The Environment where the Workspace is configured.
Space name — The specific Workspace you are configuring the credit plan for.
Credits assigned to the delivery channels — The channels included in the plan and the amount of credits configured.

If you selected All channels, you see the total credits applied across all delivery channels in the Workspace.
📘
NOTE
The Channel / MO - MT column indicates whether the delivery channel supports bidirectional traffic.
- MT (Mobile Terminated): Outbound messages sent from the platform to end users.
- MO (Mobile Originated): Inbound messages sent by end users to the platform.\
This option to enable Bidirectional consumption will be available in a future release. At present, only MT traffic is considered for credit consumption.
If you selected Channel specific, you see each delivery channel listed individually with its assigned credit limit.
📘
NOTE
The MO - MT column indicates whether the delivery channel supports bidirectional traffic.
- MT (Mobile Terminated): Outbound messages sent from the platform to end users.
- MO (Mobile Originated): Inbound messages sent by end users to the platform.\
This option to enable Bidirectional consumption will be available in a future release. At present, only MT traffic is considered for credit consumption.
Renew Credits — Whether automatic renewal is enabled and the selected renewal period.
Roll Over Credits — Whether unused credits carry over to the next cycle.
Overage — Whether additional credits beyond the configured limit are allowed.
Credit Plan Activation — The exact date and timezone from which the credit plan is applied.

You select Save to activate the credit plan.

Step 4. Activate the Credit Plan

After you complete the configuration and select Save, the platform performs the following actions:

A Confirmation Email is Sent: The platform generates a notification email titled "Credit Plan Activated" and sends it to the Account Manager. You see a summary of the plan configuration in this email.
Redirection to the Credits Overview: After saving, you go to the Credits Overview page.

You see two main areas in this section:
- Actual Credit Plans — You see the credit plans currently active for the selected Workspace. You see the following attributes in the table:
  - ID — Unique identifier of the credit plan.
  - Billing date — The start date of the credit plan.
  - Credit limit — The type of credit allocation (All Channels | Channel Specific).
  - Credits — The total credits assigned.
  - Renew credits — Whether the Renew Credits option is active and the renewal period.
  - Roll Over credits — Whether unused credits carry over to the next renewal cycle.
  - Overage — Whether the Overage option is enabled.
  - Actions — Management options for the credit plan:
    1. View details (eye icon): Opens the detailed view of the credit plan. For more information, go to the Monitoring & Managing the Credit Plan section.
    2. Edit (pencil icon): You modify the credit plan configuration. The platform updates the configuration and applies the new parameters. The Account Manager receives a notification email titled "Credit Plan Updated" confirming the changes.
      
      Every time you edit a credit plan, the platform records the changes in the Credit History Logs table. You see a chronological record of all credit plans created or updated within the Workspace.
      
      ⚠️
      WARNING
      When editing an existing credit plan, the platform does not add credits to the remaining balance. The configured amount represents the total credit allocation, including any credits already consumed.
      Example: If a credit plan was originally set to 100 credits and all 100 have been consumed, editing the plan and entering "100" again results in 0 credits available.
      To increase the available credits, configure a value greater than the amount already consumed. If the plan is updated to 200 credits and 100 were previously consumed, the platform shows 100 credits available.
    3. Delete (trash icon): You remove the credit plan. The platform removes the plan and sends a confirmation email titled "Credit Plan Deleted" to the Account Manager.
- Credit History Logs — You see a record of past credit plans associated with the Workspace. Each entry includes the same key attributes as active plans.

You use the Credits Overview to verify that the plan has been activated. You also see both current and historical configurations here.

Monitoring & Managing the Credit Plan

You review detailed consumption metrics by selecting the View details (eye icon) from the Actual Credit Plans table.

📘
NOTE
The platform allows the creation of more than one credit plan, but this is only possible under specific conditions:

Channel specific plans: If the credit plan was created using the Channel specific option, multiple credit plans may be created as long as there are delivery channels that have not yet been assigned credits.

Example: If Email and SMS already have credits assigned in the first plan, a new credit plan can be created only for the remaining channels, such as WhatsApp or RCS.

All channels plans: If the credit plan was created using the All channels option, no additional credit plans can be created.

⚠️
WARNING
If a Workspace originally included three delivery channels under a credit plan and a new channel is later added to the Workspace:

If the plan was configured with the All Channels option, the newly added channel automatically consumes credits from the shared pool.\

If the plan was configured with the Channel specific option, the newly added channel is not included automatically. In this case, you create a new credit plan or edit the existing one to assign credits for that channel.

The details view differs depending on whether the plan was configured as All Channels or Channel specific.

All Channels

You select the View details icon (eye) in the Actual Credit Plans table to see a detailed view of the All Channels plan's configuration and current usage.

You see three main sections on this page:

Plan Information: You review the general attributes of the plan at the top of the screen:
- Environment name — The Environment where the Workspace is configured.
- Space name — The specific Workspace where your credit plan has been configured.
- Credit Plan ID — Unique identifier of the credit plan.
- Billing date & Timezone — The start date of the credit plan.
- Update date / Update feature — Reserved fields showing when the plan was last updated.
- Bidirectional channels — The delivery channels that support two-way communication within this plan.
- Renewal credits — Whether the Renew Credits option is active and the renewal period.
- Roll Over Credits — Whether unused credits carry over to the next renewal cycle.
- Overage — Whether the Overage option is enabled.
Credit Management (All Channels): You see the following columns in the shared credit pool table:
- Channel — The delivery channels included in the Workspace.
- Credits — The total credit pool configured for the credit plan.
- Used Credits by Channel — The amount of credits consumed from the shared pool.
- Remaining Credits — The balance of credits still available.
Credits Used by Channel: You see consumption per channel over time in this table.
- A time filter lets you review consumption for a specific period.
- Each delivery channel is listed with the number of credits consumed during the selected timeframe.
- A Grand total row aggregates the overall usage across all channels.

Channel specific

You select the View details icon (eye) in the Actual Credit Plans table to see a detailed view of the Channel specific plan's configuration and current usage.

You see two main sections on this page:

Plan Information: You review the general attributes of the plan at the top of the screen:
- Environment name — The Environment where the Workspace is configured.
- Space name — The specific Workspace where your credit plan has been configured.
- Credit Plan ID — Unique identifier of the credit plan.
- Billing date & Timezone — The start date of the credit plan.
- Update date / Update feature — Reserved fields showing when the plan was last updated.
- Bidirectional channels — The delivery channels that support two-way communication within this plan.
- Renewal credits — Whether the Renew Credits option is active and the renewal period.
- Roll Over Credits — Whether unused credits carry over to the next renewal cycle.
- Overage — Whether the Overage option is enabled.
Credit Management (Channel Specific): You see the following columns in the channel-specific table:
- Channel — Each delivery channel included in the credit plan.
- Credits — The total credits allocated to that specific channel.
- Used Credits by Channel — The percentage of credits already consumed.
- Remaining Credits — The credits still available for the channel.