What is the credit limit in MyOperator and how is it set or adjusted?

What is the credit limit in MyOperator and how is it set or adjusted?

⚡ Quick Answer

Your credit limit is the maximum negative balance your MyOperator account is allowed to reach.

As per the latest update, all new accounts now start with:

  • Credit Limit: ₹100
  • Minimum Balance: ₹–10
  • Minimum Top-Up: ₹1,500

You cannot edit your credit limit, but you can edit your Minimum Balance and Minimum Top-Up in Billing → Payment Settings.

If your Total Usage Balance falls below the credit limit, all services pause until dues are paid and you click Refresh Balance.

1. KEY TERMS

Term

Meaning

Credit Limit

Maximum negative allowed. If your balance drops below this, services pause.

Minimum Balance

Low-balance alert threshold (editable). When Total Usage Balance ≤ this amount, alerts are sent.

Minimum Top-Up

Auto-debit recharge amount when balance falls below Minimum Balance. Editable.

Total Usage Balance

Prepaid balance – (Current Usage + Outstanding Usage).

Pro tip: Maintain at least 10 days of projected usage as prepaid balance to avoid hitting the limit.

2. UPDATED CREDIT LIMIT RULES (2025 Policy)

✔ Default limits for all new clients

  • Credit Limit: ₹100
  • Minimum Balance: ₹–10
  • Minimum Top-Up: ₹1,500

These defaults apply to:

  1. All newly signed-up clients
  2. New accounts created under existing clients

✔ Implications for WABA clients

  • New clients using WhatsApp Business API (WABA) should maintain at least ₹1,000 prepaid balance to avoid service suspension.
  • For existing WABA clients, MyOperator will soon reduce credit limits and will notify them before changes.

✔ Existing non-WABA clients

  • Their existing credit limit will not be decreased.
  • However, credit limit extension will not be provided going forward.

✔ How credit limits scale

MyOperator no longer auto-increases limits aggressively.
Adjustments depend on:

  • Payment history
  • Late payments
  • Outstanding dues across multiple accounts

    Non-payment on one account may reduce limits on others under the same client.

3. HOW TO CHECK YOUR LIMITS (and what you can & can’t edit)

Steps (Web Panel)

  1. Log in to your MyOperator dashboard
  2. Go to: Billing → Payment Settings
  3. Review:
    • Credit Limit (Read-only)
    • Minimum Balance (Editable)
    • Minimum Top-Up (Editable)
  4. Click Save

Your new alert/top-up settings are applied instantly.

4. MANAGING LOW-BALANCE ALERTS

Situation

Recommended Action

Too many alerts

Increase Minimum Balance to maintain a ~10-day usage buffer

Using Auto-Debit

Set Minimum Top-Up ≥ your average 5-day usage

Don’t want alerts

Not recommended — instead maintain a positive buffer

5. ACCOUNT SUSPENSION RULES

Your services pause when:

🔴 Trigger:

Total Usage Balance < Credit Limit (e.g., below –₹100)

🔴 Effect:

  • Incoming/outgoing calls stop
  • IVR plays “service paused due to low balance”
  • WhatsApp services tied to MyOperator numbers may stop

🟢 How to restore service

  1. Pay the Total Outstanding Amount shown on top of the dashboard
  2. Click Refresh Balance
  3. Services resume within ~5 minutes

    If Auto-Debit is ON, the system may auto-recharge before suspension happens.

6. Summary of the Latest Policy Updates

✔ New default limits: ₹100 credit limit, –₹10 minimum balance, ₹1,500 minimum top-up
✔ Applies to all new clients and new accounts of existing clients
✔ WABA clients advised to keep ₹1,000+ prepaid
 ✔ Existing WABA clients’ limits will be reduced soon with prior communication
✔ Existing non-WABA clients keep current limits but no extensions allowed
 ✔ Credit limit cannot be manually edited