{"id":1009,"date":"2026-09-23T09:05:15","date_gmt":"2026-09-23T09:05:15","guid":{"rendered":"https:\/\/smppcenter.com\/kb\/?p=1009"},"modified":"2026-09-23T09:05:17","modified_gmt":"2026-09-23T09:05:17","slug":"post-paid-credit-limit-grace-limit","status":"publish","type":"post","link":"https:\/\/smppcenter.com\/kb\/post-paid-credit-limit-grace-limit\/","title":{"rendered":"Post-paid Accounts: How Credit Limit and Grace Limit Work"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Post-paid clients send first and pay later, which means every post-paid account is unsecured exposure for you. <strong>Credit Limit<\/strong> and <strong>Grace Limit<\/strong> cap that exposure. When both are used up, messages fail.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Two rules before you enable post-paid<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Never set a user to Post-paid if their parent is Pre-paid.<\/strong> The parent&#8217;s balance can&#8217;t fund a child that spends beyond it.<\/li>\n\n\n\n<li><strong>Never enable post-paid while the user&#8217;s balance is above zero.<\/strong> Clear the balance first.<\/li>\n<\/ol>\n\n\n\n<h3 class=\"wp-block-heading\">Where to set it<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Payment Type:<\/strong> Users \u2192 Edit User \u2192 <strong>Global Attributes<\/strong> \u2192 Payment Type<\/li>\n\n\n\n<li><strong>Credit accounts:<\/strong> limits on the <strong>SMS Attributes<\/strong> tab (SMS Credit Limit, SMS Grace Limit)<\/li>\n\n\n\n<li><strong>Wallet accounts:<\/strong> limits on the <strong>Wallet<\/strong> tab (Wallet Credit Limit, Wallet Grace Limit)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Limit fields only apply when Payment Type is Post-paid. Pre-paid accounts simply send until the balance reaches zero.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Credit Limit<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The amount the post-paid client may consume in a billing cycle. Past that point, delivery fails. A reminder is sent when the user reaches the configured limit; configure that alert under <strong>SMS \u2192 SMS Settings \u2192 SMS<\/strong> in the admin sidebar.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Grace Limit<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">An allowance <strong>on top of<\/strong> the credit limit, so a client isn&#8217;t cut off mid-campaign while your invoice is being paid.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Example: credit limit 1,000,000 + grace limit 100,000 = 1,100,000 total before sending stops.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Setting limits that match commercial risk<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Size the limit to one billing cycle&#8217;s expected volume<\/strong>, not to what the client hopes to send. A monthly-billed client sending 2M messages a month doesn&#8217;t need a 10M limit.<\/li>\n\n\n\n<li><strong>Keep grace at 5\u201310% of the credit limit.<\/strong> Grace is for invoice timing, not for extending credit.<\/li>\n\n\n\n<li><strong>Review limits after every payment delay.<\/strong> A client who pays late twice should have a lower limit, not a higher one.<\/li>\n\n\n\n<li><strong>Watch the reminder alerts.<\/strong> A client hitting the limit early in the cycle is either growing or about to become a bad debt. Find out which.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">What the client experiences<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Once credit limit and grace limit are both exhausted, submissions fail. The client sees the failure code you&#8217;ve configured for insufficient balance, so make sure that global error code has a clear cause text and is set to <strong>Charge to User = No<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Related articles<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/smppcenter.com\/kb\/credit-vs-wallet-billing-model\/\">Credit or Wallet: Choosing the Right Billing Model<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/smppcenter.com\/kb\/global-error-codes-setup-smpp-software\/\">How to Set Up Global Error Codes<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/smppcenter.com\/kb\/notify-user-low-balance-through-email\/\">Notify user low balance through email<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/smppcenter.com\/kb\/what-happens-if-my-reseller-account-balance-is-low\/\">What happens if my reseller account balance is low?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/smppcenter.com\/kb\/why-cant-i-add-credits-to-my-downline-user\/\">Why can&#8217;t I add credits to my downline user?<\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Set exposure limits for post-paid clients, understand what happens when they&#8217;re hit, and avoid the two configurations that cause unlimited usage.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[349],"tags":[367,372,368,371,369,370],"class_list":["post-1009","post","type-post","status-publish","format-standard","hentry","category-billing-pricing-wallet","tag-credit-limit","tag-exposure","tag-grace-limit","tag-payment-type","tag-post-paid","tag-wallet-limit"],"_links":{"self":[{"href":"https:\/\/smppcenter.com\/kb\/wp-json\/wp\/v2\/posts\/1009","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smppcenter.com\/kb\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smppcenter.com\/kb\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smppcenter.com\/kb\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smppcenter.com\/kb\/wp-json\/wp\/v2\/comments?post=1009"}],"version-history":[{"count":0,"href":"https:\/\/smppcenter.com\/kb\/wp-json\/wp\/v2\/posts\/1009\/revisions"}],"wp:attachment":[{"href":"https:\/\/smppcenter.com\/kb\/wp-json\/wp\/v2\/media?parent=1009"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/smppcenter.com\/kb\/wp-json\/wp\/v2\/categories?post=1009"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/smppcenter.com\/kb\/wp-json\/wp\/v2\/tags?post=1009"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}