# Manage message credit Check the balance, add credit by card, or change automatic top-up. Canonical URL: https://www.naayya.com/help-center/manage-message-credit Category: payments Last updated: 2026-11-08T00:00:00Z # Manage message credit ## Message credit The **Message credit** section shows your free messages and the credit you top up, in euros. It applies to messages. See [AI agent usage](/help-center/check-ai-agent-usage) separately. - **Balance**: what your business has left for messages, excl. VAT: your free messages, valued at your message price, plus the credit you topped up. The balance changes as soon as a message is recorded. - **Free messages**: how many of your free messages are left, and until when they are valid. Some free messages do not expire. An SMS segment, a WhatsApp message and a phone verification code each use one free message. Free messages are used first, then the credit you topped up. Free messages only cover messages sent while you have them. Before message billing starts, or for a business billed by bank transfer, messages beyond your free ones are not taken from credit. The balance then shows their amount as a negative number, for example **-€28.05 excl. VAT**, and that amount goes on an invoice once message billing starts, with VAT added on top. ## Top up message credit Once message billing starts, owners and managers top up message credit by card: 1. Go to **Admin > Settings > Billing > Usage**. 2. In the **Message credit** section, choose whether to keep the box **With this top-up, top up automatically** ticked. It shows while automatic top-up is off and is ticked at your first top-up. Untick it if you do not want automatic top-up. 3. Choose **Add €10**, **Add €25** or **Add €50**, or enter another amount from €10 to €500 under **Another amount** and select **Add**. 4. Pay by card on the payment page. Amounts are before VAT. VAT is added where it applies, and you receive an invoice. When you come back, the page shows **Payment received**. The new credit appears within a minute. Credit you pay for does not expire and is not refunded. Free messages keep their own expiry date. A business billed by bank transfer does not top up: its messages go on its invoice. ## Automatic top-up Automatic top-up adds credit for you, so messages keep sending: - When automatic top-up is off, the **Message credit** section shows the box **With this top-up, top up automatically**. It is ticked at your first top-up. With it ticked, the card you pay with is saved. Whenever your credit falls below €5, the same amount is added again and charged to that card. You receive an invoice for each automatic top-up. - To change the amount, or to switch it off, go to the **Message credit** section and use the **Automatic top-up** row. - If you switched it off, the **Automatic top-up** row shows **Switch on**. Select it to switch automatic top-up back on with the card you saved. - If the card is declined, no credit is added and automatic top-up switches off. Each owner gets one email, and **Admin > Inbox** shows **Automatic top-up could not be charged**. Naayya does not try the card again. The same happens if your business has account credit with Naayya or owes Naayya an amount, because automatic top-up is paid by card only. To switch automatic top-up back on, top up with the box **With this top-up, top up automatically** ticked. ## When message credit runs out Once message billing starts, when your message credit reaches zero (free messages and topped-up credit together): - Reminders, automation messages, work alerts and other SMS and WhatsApp messages are not sent. They are not queued: once you top up, messages send again from then on. - Booking confirmations go by email to customers who have an email address. - Phone verification codes keep sending, so customers and staff can still verify their phone number. A business billed by bank transfer is never paused. Its messages go on its invoice. ## Notices about your messages Once message billing starts, Naayya tells each owner by email: - **Your message credit is running low**: a fifth or less of the credit last added is left. Credit added means a top-up, or your free messages while they are valid. If automatic top-up is on, the email says how much it will add and when. Once for each credit added. - **Your message credit is used up**: what is paused and what keeps sending until you top up. Once for each credit added. - **Automatic top-up could not be charged**: the card was declined or could not be charged, no credit was added, and automatic top-up is off. Once for each charge. Owners and managers also see these in **Admin > Inbox** for as long as they apply, with a **Top up** button. A business billed by bank transfer gets none of them. Before message billing starts, or for a business billed by bank transfer, Naayya tells your business when: - **Your free messages are used up**: your business has no free messages left. The email lists what each SMS segment, verification code and WhatsApp message costs. - **Your message balance is below zero**: the messages beyond your free ones come to an amount that is not on an invoice yet. The email states the amount. - **Messages go on your next invoice**: once message billing has started, up to a week before a renewal invoice that will include message usage. The email names the invoice date and the amount so far. Each owner gets the first two by email once, and the invoice notice once before each invoice it applies to. Owners and managers also see it in **Admin > Inbox** for as long as it applies. Until message billing starts, every notice says that nothing is charged yet.