What is the difference in practice?

Credit account

  • “I have 10,000 SMS credits.”
  • Deduction = credits per SMS from rate plan.
  • Recharge = add credits.
  • Good for: SMS-only resellers, prepaid SMS reselling, simple credit transfer to users.

Wallet account

  • “I have ₹5,000 in my wallet.”
  • Deduction = cost per message/product in currency.
  • Recharge = add money to wallet.
  • Good for: multi-channel platforms, international currency billing, reseller margin models, post-paid limits.