Does the account need only SMS?
├── Yes → Use CREDIT in India
└── No (WhatsApp / RCS / Voice / multi-product / MCC MNC SMS Routing)
    └── Use WALLET

Does the reseller need custom pricing & margin?
├── Yes → Use WALLET (+ enable Reseller Pricing Adjustments)
└── No → CREDIT is usually enough for SMS-only

Does the customer pay upfront or on credit?
├── Upfront → Pre-paid
└── On invoice / limit → Post-paid (+ set limits)