What is defined by “minimum balance”, “minimum topup” and "credit limit"?
Plain‑language definitions
Term | What it means | When it triggers |
Credit limit | The maximum credit your account can use after your wallet hits ₹0. | When cumulative unpaid charges = credit limit ➜ Outgoing calls & SMS pause. |
Minimum balance | The wallet threshold that sends low‑balance alerts and (optionally) starts auto‑top‑up. | When wallet ≤ minimum balance. |
Minimum top‑up | The fixed amount auto‑debited to restore your wallet. | Immediately after a low‑balance event and auto‑debit is ON. |
2. Why these limits matter
- Prevents unexpected service suspension during high‑traffic hours.
- Gives finance teams predictable spend levels.
- Enables hands‑free billing if you enable auto‑debit.
3. Set or edit limits
Prerequisites
- Admin or Billing role
- Wallet in positive balance (₹1 or more)
- Auto‑debit enabled on a valid card if you plan to use minimum top‑up
Step‑by‑step
- Sign in at app.myoperator.co.
- In the left menu, click Billing.
- Locate the Limit.
- Enter values:
• Credit limit (₹) — leave blank to disable credit.
• Minimum balance (₹) — gets you email/SMS alerts.
• Minimum top‑up (₹) — auto‑debited amount. - Click Save.
- (Optional) Toggle Enable auto‑top‑up ➜ ✅.
Expected result
A green banner shows “Limits updated successfully.” The new settings apply instantly.
6. Real‑world example
Daily Spend | Recommended Minimum Balance | Recommended Credit Limit | Recommended Minimum Top‑up |
₹500 | ₹5 000 (10 days runway) | ₹10 000 (extra 20 days spare) | ₹2 000 (4 days) |
7. Troubleshooting & edge cases
Symptom | Likely Cause | Quick Fix |
“Account suspended” before wallet hit ₹0 | Credit limit reached | Recharge wallet to positive balance or request a temporary credit‑limit boost via support@myoperator.co. |
Auto‑top‑up failed | Card expired / 3‑D Secure declined | Update card in Billing → Payment Methods and retry. |
Receiving daily low‑balance emails | Minimum balance set too high for your spend | Lower the minimum balance or increase minimum top‑up. |
Need more help? Email support@myoperator.co or call +91‑81029810209
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