Step Setting 1 Credit Type = Wallet 2 Payment Type = Pre-paid or Post-paid (as needed) 3 Wallet currency = customer currency 4 Enable MCC MNC Routing 5 Configure MCC MNC Routing entries 6 Enable Reseller Pricing / Margin if reseller (Wallet only) 7 Fund wallet balance, not SMS credits

On Manage Users, the route column shows:

India domestic users can stay on Credit with: Use Wallet + MNC/MNC when sending internationally or when you need operator-level routing and pricing.

No, not as the intended setup. Credit accounts use SMS credit units and a simple route assignment. MNC/MNC routing needs decimal rates per operator, which the Wallet model supports. If MNC/MNC is enabled on a Credit account, billing, reseller pricing, and margin features may not work correctly.

Yes. International accounts that send SMS using MNC/MNC routing should be set to Credit Type: Wallet. MNC/MNC routing assigns different rates per mobile country code (MCC) and network code (MNC). That pricing is currency-based, so the account must use a wallet balance, not SMS credits.

Reason Explanation Pricing model MNC/MNC routing uses per-country / per-operator decimal rates, not flat SMS credits. Billing MCC/MNC usage and billing run on wallet amounts (currency), not credit units. Reseller Pricing Official docs: “Use this option if you are using a wallet system and have enabled MCC MNC Routing.” Reseller Margin Margin/refund features work only […]

Credit: Your account works like an SMS credit pack. You have a number of SMS credits; each message uses credits from that balance. Wallet: Your account works like a prepaid wallet in your currency. SMS, WhatsApp, and other services deduct money from the same wallet based on their rates.

Task Location Set Credit vs Wallet Users → Edit User → Global Attributes → User Credit Type Set Pre-paid / Post-paid Users → Edit User → Global Attributes → Payment Type SMS credit limits (post-paid) Users → Edit User → SMS Attributes Wallet currency & limits Users → Edit User → Wallet tab Allowed products […]