| 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 when Credit Type = Wallet. |
| Platform design | Changelog v5.9: MCC/MNC manage/validation is tied to Wallet credit type. |
Credit fits India-style domestic SMS with a single Assign Route.
Wallet fits international SMS with MNC/MNC map routing and variable rates by operator/country.