18.1 Overview

AIUNIFY Call Center uses a prepaid credit system to pay for eligible communication and telephony services.

Customers add credits to their account before using services that create usage charges.

Credits may be deducted for activities such as:

  1. Outbound calls
  2. Inbound call usage when applicable
  3. Campaign calls
  4. AI Agent calls
  5. SMS messages
  6. SMS message segments
  7. Telephone-number purchases
  8. Monthly telephone-number rental
  9. Other usage-based communication services

The Credits section allows Customers to:

  1. Review their current balance
  2. Add more credits
  3. Select an available payment gateway
  4. Pay in a supported currency
  5. Preview currency conversion
  6. Review recent financial activity
  7. View the complete account statement
  8. Understand credits and debits
  9. Review payment references
  10. Export transaction history
  11. Configure low-balance settings

The Customer should maintain enough credits to cover both active usage and recurring telephone-number charges.

18.2 Who Can Manage Credits?

Credit and payment-management pages are available to:

  1. Customers
  2. Administrators

Agents cannot manage the Customer’s credit balance through the standard credit-management routes.

Agents may use services that deduct credits from the parent Customer’s balance, but they should not normally:

  1. Add credits
  2. Select payment gateways
  3. View complete billing information
  4. Change low-balance settings
  5. Request payment refunds
  6. Export financial statements

The Customer account owner should control access to payment and billing information.

18.3 How the Credit System Works

The Customer’s credit balance functions as a prepaid account.

The basic process is:

  1. The Customer adds credits using an available payment method.
  2. The payment is processed through the selected gateway.
  3. The successful payment creates a credit transaction.
  4. The Customer’s available balance increases.
  5. Calls, SMS messages, telephone numbers, and other services deduct credits.
  6. Each deduction creates a debit transaction.
  7. The balance is updated after every completed transaction.

The system prevents normal Customer usage from reducing the account below zero.

If the available balance is lower than the required charge, the transaction or service may be rejected.

18.4 Credits Are Not the Same as a Subscription

Credits pay for usage-based services.

A subscription or service plan may determine which features the account can access, while credits pay for the actual use of eligible communication services.

For example:

  1. A plan may allow the Customer to create campaigns.
  2. Credits pay for the calls made by those campaigns.
  3. A plan may allow SMS access.
  4. Credits pay for eligible messages or segments.
  5. A plan may allow telephone-number management.
  6. Credits pay for the number purchase and monthly rental.

Having feature access does not guarantee that the account has enough credits to use the feature.

18.5 Opening My Credits

To open the credit dashboard:

  1. Sign in to AIUNIFY Call Center as a Customer.
  2. Open the main navigation menu.
  3. Locate Credits, My Credits, Billing, or the applicable financial section.
  4. Select My Credits.

The credit dashboard is located at:

/credit

The page displays the Customer’s current balance and available credit-management actions.

18.6 Understanding the My Credits Dashboard

The My Credits page may include:

  1. Current credit balance
  2. Top Up Credits button
  3. Account Statement or Transaction History link
  4. Recent transactions
  5. Monthly spending summary
  6. Total credits added
  7. Total credits spent
  8. Net balance change
  9. Spending by service type
  10. Low-balance settings

The dashboard loads a recent selection of transactions for quick review.

The complete account statement is available on the Credit History page.

18.7 Current Balance

The Current Balance represents the amount currently available for eligible AIUNIFY Call Center services.

For example:

Current Balance: $125.00

This means the Customer currently has $125.00 in available credits when the platform’s base currency is USD.

The displayed currency follows the platform’s configured base currency and applicable Customer settings.

18.8 Available Balance Versus Payment Amount

The amount paid and the amount added to the balance may differ when:

  1. The payment is made in another currency
  2. An exchange rate is applied
  3. A gateway uses a currency different from the platform base currency
  4. The payment gateway charges its own transaction fee
  5. A refund or adjustment is applied
  6. The payment remains pending

Review the conversion preview before completing a non-base-currency payment.

18.9 Recent Transactions

The My Credits dashboard displays recent financial activity.

A transaction may show:

  1. Date and time
  2. Credit or debit type
  3. Description
  4. Amount
  5. Balance after the transaction
  6. Related service or reference
  7. Payment gateway
  8. Payment status

Use the Account Statement page for the complete transaction history.

18.10 Monthly Spending Summary

The credit dashboard calculates a spending summary for the current month.

The summary may include:

Total Credits

The total amount added during the current month.

Total Debits

The total amount deducted during the current month.

Net Change

The difference between credits added and credits deducted.

The basic calculation is:

Total Credits − Total Debits = Net Change

For example:

Credits added: $100.00
Credits spent: $35.00
Net change: $65.00

Transaction Count

The number of transactions recorded during the period.

Spending by Type

Debit activity may be grouped according to the related service or reference type.

18.11 Opening the Top-Up Page

To add credits:

  1. Open My Credits.
  2. Click Top Up, Add Credits, or Top Up Credits.

The page is located at:

/credit/top-up

The Top-Up page displays:

  1. Current balance
  2. Available payment gateways
  3. Available currencies
  4. Preset amounts
  5. Custom amount field
  6. Currency-conversion preview
  7. Proceed to Payment button

18.12 No Payment Gateways Available

When no payment gateway has been configured, the Top-Up page may display an error such as:

Payment system is currently unavailable. Please contact support or try again later.

Customers cannot configure the platform’s payment gateways.

To resolve this condition:

  1. Confirm that the page loaded correctly.
  2. Refresh the page once.
  3. Contact the platform administrator.
  4. Do not submit payment details through an unofficial method.
  5. Wait until an authorized gateway appears in the interface.

Never send card numbers or banking credentials directly to a platform administrator through chat or email.

18.13 Available Payment Gateways

The Top-Up page displays only payment gateways that have been properly configured by the platform administrator.

Supported gateway integrations in the current source include:

  1. Stripe
  2. Razorpay
  3. Paystack
  4. PayPal
  5. Flutterwave
  6. Cryptomus

Not every gateway will necessarily appear.

Availability depends on:

  1. Platform configuration
  2. Customer location
  3. Supported currency
  4. Gateway account status
  5. Test or live mode
  6. Provider availability

18.14 Selecting a Payment Gateway

To select a gateway:

  1. Open the Top-Up page.
  2. Review the available payment methods.
  3. Select the preferred gateway.
  4. Review its supported currencies.
  5. Select the payment currency.
  6. Enter the amount.
  7. Review the conversion preview.
  8. Continue to payment.

The first available gateway may be selected automatically.

Confirm the selection before proceeding.

18.15 Stripe

Stripe may support payment by eligible debit or credit cards and other methods enabled in the connected Stripe account.

When using Stripe:

  1. Select Stripe.
  2. Choose a supported currency.
  3. Enter the amount.
  4. Proceed to the secure checkout.
  5. Complete the payment.
  6. Return to AIUNIFY Call Center.
  7. Confirm the updated balance.

The exact payment methods displayed are controlled by the connected Stripe account.

18.16 PayPal

PayPal may allow the Customer to complete payment through a PayPal account or other payment methods supported by PayPal.

When using PayPal:

  1. Select PayPal.
  2. Enter the amount.
  3. Continue to the PayPal checkout.
  4. Sign in to PayPal when requested.
  5. Review and approve the payment.
  6. Return to AIUNIFY Call Center.
  7. Confirm the transaction.

Do not close the payment window before PayPal returns the final result.

18.17 Razorpay

Razorpay may provide card, bank, wallet, or other payment methods according to the connected account and region.

The Razorpay checkout may open automatically in a secure payment window.

If the window does not appear:

  1. Confirm that browser pop-ups are permitted
  2. Refresh the checkout page
  3. Confirm that the amount and currency are valid
  4. Try again only after confirming that no payment was already completed

Do not submit the same Razorpay payment repeatedly.

18.18 Paystack

Paystack may support eligible card, bank, transfer, or regional payment methods.

The available methods and currencies depend on the configured Paystack account.

After completing payment, return to AIUNIFY Call Center and confirm that:

  1. The payment shows Completed
  2. The credit transaction appears
  3. The current balance increased

18.19 Flutterwave

Flutterwave may support several regional and international payment methods.

The available currencies and payment methods depend on:

  1. Platform configuration
  2. Customer country
  3. Gateway account
  4. Provider rules

Complete payment only through the secure gateway page opened by AIUNIFY Call Center.

18.20 Cryptomus

Cryptomus may be used for supported cryptocurrency payments when enabled by the platform administrator.

Cryptocurrency payments may require:

  1. Selecting an eligible asset
  2. Sending the correct amount
  3. Using the correct payment address
  4. Waiting for blockchain confirmation
  5. Completing payment before an expiration time

Do not send cryptocurrency to an address copied from an unofficial source.

Confirm the destination inside the secure checkout.

18.21 Selecting a Currency

Each payment gateway provides its own list of supported currencies.

The currency selector displays only currencies supported by the selected gateway.

For example, available choices may include:

  1. USD
  2. EUR
  3. GBP
  4. CAD
  5. AUD
  6. INR
  7. Other supported currencies

Changing the payment gateway may also change the available currency options.

18.22 Base Currency

AIUNIFY Call Center stores account balances using the platform’s configured base currency.

For example, when the base currency is USD:

  1. The Customer may pay $50.00 in USD and receive $50.00 in credits.
  2. The Customer may pay in another supported currency.
  3. The amount is converted into the platform’s USD base value.
  4. The converted amount is added to the credit balance.

The platform administrator controls the system-wide base currency.

18.23 Preferred Currency

The Customer account can store a preferred currency code.

The preferred currency may affect how certain financial information is presented or which currency is initially selected.

However, the actual credit balance remains normalized to the platform’s base currency.

The preferred currency does not change the platform’s underlying accounting currency.

18.24 Currency Conversion Preview

When the selected payment currency differs from the base currency, the Top-Up page requests an exchange-rate preview.

The preview may display:

  1. Payment amount
  2. Payment currency
  3. Base currency
  4. Converted credit amount
  5. Exchange rate

For example:

Payment amount: €50.00
You will receive: $58.25 in credits
Exchange rate: 1 EUR = 1.1650 USD

This example is illustrative only. The actual rate shown by the system applies at the time of the request.

18.25 Exchange Rates May Change

Exchange rates can change between:

  1. Opening the page
  2. Reviewing the preview
  3. Entering the checkout
  4. Completing the payment
  5. Final gateway confirmation

The final credited amount should be based on the payment information and conversion recorded during processing.

Do not rely on an older screenshot or previously displayed rate.

18.26 Exchange-Rate Failure

The conversion preview may fail when:

  1. The exchange-rate service is unavailable
  2. The selected currency is unsupported
  3. The amount is invalid
  4. The platform cannot retrieve a current rate
  5. A manual exchange rate has not been configured
  6. Network connectivity fails

The page may display:

Unable to fetch exchange rate. Please try again.

Do not proceed with a non-base-currency payment unless the credited amount is clear.

18.27 Preset Top-Up Amounts

The standard Top-Up page provides preset amounts such as:

  1. $5.00
  2. $10.00
  3. $20.00
  4. $50.00
  5. $100.00
  6. $200.00

The displayed currency symbol changes according to the selected payment currency.

Select a preset amount to enter it automatically.

Gateway configuration or system changes may produce different preset values.

18.28 Entering a Custom Amount

To use a different amount:

  1. Locate Custom Amount.
  2. Enter the amount.
  3. Use no more than two decimal places unless the gateway allows otherwise.
  4. Confirm the selected currency.
  5. Review the amount to add.
  6. Review the conversion preview.
  7. Continue to payment.

The current interface requires a minimum top-up amount of approximately:

1.00

The currency depends on the selected gateway.

18.29 Reviewing the Amount to Add

Before continuing, the page displays the selected payment amount.

For example:

Amount to Add: $50.00 USD

When paying in a non-base currency, the page may also display the estimated base-currency credits that will be received.

Review both amounts.

18.30 Proceeding to Payment

To begin checkout:

  1. Select the gateway.
  2. Select the currency.
  3. Enter the amount.
  4. Review the conversion.
  5. Click Proceed to Payment.
  6. Wait for the secure gateway to load.
  7. Complete the requested payment steps.
  8. Allow the gateway to return to AIUNIFY Call Center.

Click Proceed to Payment only once.

18.31 Payment Redirection

The Customer may be redirected away from AIUNIFY Call Center to the selected payment provider.

This is normal.

The gateway may request:

  1. Card details
  2. PayPal login
  3. Bank authorization
  4. One-time passcode
  5. Mobile payment authorization
  6. Cryptocurrency transfer
  7. Identity verification

The Customer should confirm that the gateway page is secure before entering payment information.

18.32 Payment Statuses

A credit top-up may use statuses such as:

Pending

The payment has been created but has not yet received final confirmation.

Completed

The payment has been confirmed and the credits were added.

Failed

The payment was rejected or could not be completed.

Cancelled

The Customer cancelled the checkout or returned without completing payment.

Refunded

The original payment was reversed according to an approved refund process.

Status availability may differ by gateway.

18.33 Pending Transactions

A Pending transaction does not necessarily mean the payment failed.

It may mean:

  1. The gateway is still processing
  2. A bank has not confirmed payment
  3. Cryptocurrency confirmations are incomplete
  4. A webhook has not arrived
  5. The Customer closed the return page early
  6. The external provider is delayed

Do not immediately repeat a pending payment.

First review:

  1. Payment provider account
  2. Account Statement
  3. Current credit balance
  4. Email receipt
  5. Gateway reference

18.34 Completed Payments

When payment completes successfully:

  1. The transaction status changes to Completed.
  2. A credit transaction is recorded.
  3. The balance-before value is stored.
  4. The converted or approved credit amount is added.
  5. The balance-after value is stored.
  6. Gateway and payment references may be recorded.
  7. The updated balance appears in My Credits.

A completed transaction should not be manually submitted again.

18.35 Payment Success Page

After a successful gateway payment, the Customer may be returned to:

/payment/success

The page or redirect confirms that payment processing completed or is being finalized.

After returning:

  1. Open My Credits.
  2. Confirm the new balance.
  3. Open Account Statement.
  4. Locate the credit transaction.
  5. Confirm the payment gateway and amount.
  6. Save the gateway receipt.

18.36 Cancelled Payments

When the Customer cancels the payment, the gateway may return to:

/payment/cancel

A cancelled checkout should not increase the credit balance.

Before starting another payment:

  1. Confirm that the original transaction is not Completed.
  2. Review the payment provider account.
  3. Review Account Statement.
  4. Confirm the current balance.
  5. Begin a new checkout only when necessary.

18.37 Failed Payments

A payment may fail because of:

  1. Declined card
  2. Incorrect payment details
  3. Insufficient bank funds
  4. Gateway account restriction
  5. Unsupported currency
  6. Expired checkout
  7. Failed one-time password verification
  8. Provider timeout
  9. Fraud screening
  10. Payment gateway outage
  11. Invalid gateway configuration

The payment provider normally supplies the most specific explanation.

18.38 Payment Receipts

Keep the receipt or confirmation supplied by the payment gateway.

A useful payment record includes:

  1. Date and time
  2. Amount
  3. Currency
  4. Gateway name
  5. Payment reference
  6. Payment status
  7. Customer account email
  8. AIUNIFY transaction record

The gateway receipt and AIUNIFY transaction record should be compared when investigating a discrepancy.

18.39 Opening the Account Statement

To view the complete transaction history:

  1. Open My Credits.
  2. Select Account Statement, Credit History, or Transaction History.

The page is located at:

/credit/history

The Account Statement displays the Customer’s financial activity in chronological order, with the newest transactions first.

18.40 Understanding the Account Statement

The statement may include the following columns:

  1. Date
  2. Transaction type
  3. Description
  4. Payment information
  5. Amount
  6. Balance after

Each record explains how the account balance changed.

18.41 Credit Transactions

A Credit transaction adds funds to the account.

Credit transactions may be created by:

  1. Successful top-up
  2. Approved refund
  3. Administrator adjustment
  4. Promotional credit
  5. Reversal of an incorrect charge
  6. Other approved credit action

Credit amounts normally display with:

  1. A plus sign
  2. Green text or badge
  3. Credit label

Example:

+$50.00

18.42 Debit Transactions

A Debit transaction removes funds from the account.

Debits may be created by:

  1. Call charges
  2. Campaign calls
  3. AI Agent calls
  4. SMS messages
  5. Telephone-number purchases
  6. Monthly telephone-number charges
  7. Other usage-based services

Debit amounts normally display with:

  1. A minus sign
  2. Red text or badge
  3. Debit label

Example:

-$2.75

18.43 Transaction Description

The Description explains the reason for the transaction.

Examples may include:

Credit top-up
Call charge
SMS charge
Phone number purchase
Monthly phone number charge
Refund
Manual credit adjustment

The wording depends on the service that created the transaction.

18.44 Reference Type

The Reference Type connects the transaction to the category of activity that created it.

Examples may include:

  1. TopUp
  2. Call
  3. SMS
  4. PhoneNumber
  5. Campaign
  6. AI Agent Call
  7. Manual Adjustment

The reference helps explain which feature created the credit or debit.

18.45 Payment Information

Top-up transactions may display:

  1. Payment gateway
  2. Payment ID
  3. Checkout reference
  4. Provider transaction reference

The current statement interface recognizes payment gateway labels such as:

  1. Stripe
  2. Razorpay
  3. Paystack
  4. PayPal

Other configured gateways may display their stored identifier or a general gateway label.

The Payment ID can help support personnel locate the transaction at the provider.

18.46 Balance Before

Every transaction record stores the balance immediately before the transaction.

For example:

Balance before: $75.00

The standard Account Statement interface focuses primarily on Balance After, but Balance Before remains available in the transaction record and CSV export.

18.47 Balance After

Balance After shows the account balance immediately after the transaction was completed.

Example:

Balance before: $75.00
Debit: $10.00
Balance after: $65.00

Use Balance After to verify that the transaction was applied correctly.

18.48 Transaction Currency

Transactions store a currency code.

Examples include:

  1. USD
  2. EUR
  3. GBP
  4. CAD
  5. INR

Multi-currency top-ups may also record:

  1. Original payment amount
  2. Original payment currency
  3. Exchange rate
  4. Base currency
  5. Converted amount

The Customer-facing statement may display the normalized base-currency amount rather than every stored conversion field.

18.49 Filtering Transaction History

The transaction-history backend supports filters including:

  1. Transaction type
  2. From date
  3. To date
  4. Reference type

The visible filter controls may depend on the current interface version.

Common filter uses include:

Credits Only

Displays money added to the account.

Debits Only

Displays money spent.

Date Range

Displays transactions during a selected period.

Reference Type

Displays activity related to one service, such as Calls or Top-Ups.

18.50 Date Filtering

When using date filters:

  1. Select the beginning date.
  2. Select the ending date.
  3. Apply the filter.
  4. Review the results.
  5. Confirm the account time zone.

The system environment may store timestamps in UTC while the browser displays them according to the user’s local settings.

This can cause a transaction near midnight to appear on an adjacent date.

18.51 Exporting Transaction History

The Customer transaction history can be exported as a CSV file.

The export route is:

/credit/export

The exported filename includes the current date and time.

Example:

transactions_2026-07-26_153000.csv

18.52 CSV Export Columns

The export includes columns such as:

  1. Date
  2. Type
  3. Amount
  4. Currency
  5. Balance Before
  6. Balance After
  7. Description
  8. Reference Type
  9. Status
  10. Payment Gateway

The CSV can be opened in:

  1. Microsoft Excel
  2. Google Sheets
  3. Apple Numbers
  4. Compatible accounting software
  5. Text editors

18.53 Exporting Filtered Transactions

The export process can apply the same type and date filters used by transaction history.

To export a specific period:

  1. Select the required filters.
  2. Apply the filters.
  3. Use the Export option.
  4. Confirm that the downloaded file contains the expected period.

Keep exported financial files secure.

They may contain transaction references and account activity.

18.54 Low-Balance Settings

The Customer account supports low-balance settings.

These include:

  1. Preferred currency
  2. Low-balance alert enabled
  3. Low-balance threshold

The threshold determines when the account is considered low.

For example:

Low-balance threshold: $20.00

When the balance reaches $20.00 or lower, the low-balance process can be triggered.

18.55 Setting the Low-Balance Threshold

To configure the threshold:

  1. Open the credit settings area.
  2. Enable low-balance alerts.
  3. Enter the desired threshold.
  4. Save the settings.

The current backend accepts a threshold from:

$0.00 to $1,000.00

Choose a threshold that reflects the Customer’s normal usage and recurring obligations.

18.56 Choosing an Appropriate Threshold

A suitable threshold should consider:

  1. Average daily call costs
  2. Average SMS usage
  3. Number of active campaigns
  4. Number of AI Agents
  5. Number of monthly telephone rentals
  6. Expected bulk messaging
  7. Time required to process a new payment

For example, a Customer spending approximately $15.00 per day may choose a threshold higher than $15.00 to avoid a next-day interruption.

18.57 Current Low-Balance Alert Limitation

The backend checks whether the balance is at or below the configured threshold.

It also prevents the same alert process from running more than once per day.

However, the current source contains a placeholder for the actual Customer notification.

The system currently records the low-balance condition and alert timestamp, but a complete email or in-app notification may not yet be delivered in every installation.

Customers should not rely exclusively on low-balance alerts.

Review the balance regularly.

18.58 No Automatic Top-Up

The current Customer credit controls do not provide a complete automatic-recharge workflow.

The low-balance threshold does not automatically charge a card or payment account.

When the balance becomes low, the Customer must normally open the Top-Up page and complete a new payment.

18.59 Call Charges

Call charges may depend on:

  1. Destination country
  2. Call duration
  3. Number of billable minutes
  4. Call direction
  5. Pricing tier
  6. Provider cost
  7. Platform pricing rule
  8. AI Agent usage
  9. Additional services

Calls may be rounded according to the applicable billing method.

A short call can still produce a minimum billable amount.

18.60 SMS Charges

SMS charges may depend on:

  1. Destination country
  2. Number of message segments
  3. SMS or MMS type
  4. Provider rate
  5. Platform pricing rule
  6. AI-generated responses
  7. Message direction when applicable

A message longer than one segment may produce multiple charges.

Review SMS segment counts before bulk sending.

18.61 Telephone-Number Purchase Charges

Purchasing a telephone number may create an immediate debit transaction.

The charge may include:

  1. Customer purchase amount
  2. Initial monthly rental amount
  3. Platform pricing adjustment
  4. Currency conversion

The number should not be assigned unless the Customer has sufficient credits.

18.62 Monthly Telephone-Number Charges

Assigned telephone numbers can create recurring monthly charges.

The system reviews assigned numbers and attempts to deduct each number’s monthly cost.

When sufficient credits are available:

  1. The amount is deducted.
  2. A debit transaction is created.
  3. The number remains assigned.

When sufficient credits are not available:

  1. The monthly charge cannot be completed.
  2. The failure is logged.
  3. The number may be automatically revoked.
  4. Campaigns, calls, SMS, or AI Agents using that number may stop working.

Maintain enough credits before the number’s recurring charge is due.

18.63 Insufficient Credit Balance

When a service costs more than the available balance, the system may return an error similar to:

Insufficient credit balance.

The error may include:

  1. Current balance
  2. Required amount

To resolve it:

  1. Stop repeated attempts.
  2. Open My Credits.
  3. Review the current balance.
  4. Add enough credits.
  5. Confirm the completed payment.
  6. Retry the service.

18.64 Preventing Negative Balances

Customer deductions use a protected balance-update process.

The system:

  1. Locks the Customer’s balance record.
  2. Reviews the current balance.
  3. Calculates the expected new balance.
  4. Rejects the deduction if it would fall below zero.
  5. Updates the balance.
  6. Creates the transaction.

This reduces the risk of two simultaneous services spending the same available credits.

18.65 Transactions and Service Records

A debit transaction may reference another record such as:

  1. A specific call
  2. A specific SMS message
  3. A telephone number
  4. An AI Agent call
  5. A campaign
  6. Another billable service

This relationship helps administrators investigate charges.

The Customer statement may display only the reference category rather than a direct link to the related service record.

18.66 Refunds

The system includes a payment-refund route.

Refund availability depends on:

  1. Original payment gateway
  2. Transaction ownership
  3. Transaction status
  4. Gateway refund rules
  5. Time since payment
  6. Available Customer balance
  7. Administrator approval
  8. Whether the original funds have already been spent

A Customer should not assume that every top-up is automatically refundable.

18.67 Requesting a Refund

When a refund is required:

  1. Locate the original credit transaction.
  2. Record the transaction date.
  3. Record the amount and currency.
  4. Record the payment gateway.
  5. Record the payment ID.
  6. Explain the reason for the request.
  7. Contact authorized support or the platform administrator.
  8. Do not dispute the same transaction through several channels simultaneously.

The current Customer interface may not display a self-service Refund button for every gateway.

18.68 Refund and Available Credits

If top-up credits have already been spent, a full refund may not be possible without adjusting the current account balance.

For example:

Top-up: $100.00
Credits already spent: $40.00
Available balance: $60.00

Refund processing must account for the credits that were already used.

The administrator and payment gateway determine the permitted result.

18.69 Refund Records

An approved refund may produce:

  1. A gateway refund
  2. An AIUNIFY transaction status update
  3. A credit or debit adjustment
  4. A refund description
  5. A payment reference
  6. A changed available balance

Review both the payment provider and Account Statement after a refund is processed.

18.70 Manual Credit Adjustments

An Administrator may manually adjust a Customer’s balance for reasons such as:

  1. Correcting an error
  2. Issuing promotional credits
  3. Applying compensation
  4. Reversing an incorrect charge
  5. Recording an offline payment
  6. Completing an approved support resolution

Manual adjustments should create transaction records.

Customers cannot normally perform their own manual adjustments.

18.71 Understanding Transaction Status

The Status field describes the transaction’s processing condition.

Completed

The credit or debit was successfully applied.

Pending

The transaction is awaiting confirmation.

Failed

The transaction did not complete.

Refunded

The original payment was returned or reversed.

Cancelled

The transaction was cancelled before completion.

The exact status values depend on the service and gateway.

18.72 Duplicate Payment Prevention

To reduce duplicate payments:

  1. Click Proceed to Payment only once
  2. Do not refresh during processing
  3. Do not open several checkout windows
  4. Do not repeat a payment while it is Pending
  5. Check the gateway account before retrying
  6. Check Account Statement
  7. Check the current balance
  8. Keep payment references

A provider timeout does not always mean the payment failed.

18.73 Payment Completed but Credits Are Missing

When payment succeeded at the gateway but the AIUNIFY balance did not change:

  1. Do not make another payment.
  2. Save the payment receipt.
  3. Open Account Statement.
  4. Look for a Pending or Failed top-up.
  5. Confirm the gateway payment ID.
  6. Refresh My Credits.
  7. Sign out and sign back in.
  8. Contact support with the transaction information.

The administrator may need to inspect:

  1. Payment webhook records
  2. Gateway transaction status
  3. AIUNIFY transaction record
  4. Customer balance
  5. Application logs

18.74 Credits Increased but No Receipt Appears

Confirm:

  1. The credit transaction exists
  2. The payment gateway is shown
  3. The payment ID is stored
  4. The gateway sent an email receipt
  5. The correct payment account was used

Some gateways provide receipts only through their own customer portal.

Download or save the transaction record when available.

18.75 Payment Shows Twice

A duplicate payment may occur when:

  1. Checkout was submitted twice
  2. Two gateway windows were completed
  3. A payment was retried before the first completed
  4. The provider processed two separate authorizations
  5. Webhook idempotency failed
  6. A manual adjustment duplicated the top-up

Record both payment IDs and contact support.

Do not spend disputed duplicate credits until the issue is reviewed.

18.76 Balance Appears Incorrect

To investigate:

  1. Record the current balance.
  2. Open Account Statement.
  3. Identify the last balance known to be correct.
  4. Review each later credit and debit.
  5. Compare Balance After values.
  6. Review gateway receipts.
  7. Review call and SMS activity.
  8. Review telephone-number charges.
  9. Export the statement when needed.
  10. Contact support with the specific transaction IDs.

Avoid reporting only that “the balance is wrong.” Identify the first transaction where it becomes incorrect.

18.77 Debit Appears Without an Obvious Description

Review:

  1. Reference type
  2. Date and time
  3. Call history
  4. SMS conversations
  5. AI Agent call history
  6. Active phone numbers
  7. Monthly number charges
  8. Campaign activity

The debit may have been created by an automated service rather than a manual action taken at that exact moment.

18.78 Balance Decreased Overnight

Common causes include:

  1. Monthly telephone-number charge
  2. Scheduled campaign activity
  3. Follow-Up Sequence action
  4. SMS automation
  5. AI Agent activity
  6. Delayed provider billing
  7. Previously unbilled SMS processing
  8. Administrator adjustment

Review the transaction description and reference type.

18.79 Telephone Number Was Revoked

A telephone number may be revoked when the Customer does not have enough credits for its monthly charge.

To address it:

  1. Open My Credits.
  2. Review the failed or missing monthly charge.
  3. Add sufficient credits.
  4. Contact the administrator.
  5. Confirm whether the number can be reassigned.
  6. Update affected campaigns or AI Agents.

A revoked number may not remain available for recovery.

18.80 Top-Up Button Is Disabled

The payment button may remain disabled when:

  1. No amount is entered
  2. The amount is below the minimum
  3. No gateway is available
  4. No valid currency is selected
  5. A payment is already processing
  6. A configuration error is displayed

Correct the required fields before continuing.

18.81 Currency Is Not Available

A currency may be unavailable because:

  1. The selected gateway does not support it
  2. The gateway account has not enabled it
  3. The platform administrator disabled the gateway
  4. The exchange-rate service cannot support it
  5. Regional restrictions apply

Select another gateway or supported currency.

18.82 Gateway Window Does Not Open

Confirm:

  1. Pop-ups are allowed
  2. JavaScript is enabled
  3. The browser is current
  4. No privacy extension is blocking the gateway
  5. The payment amount is valid
  6. The gateway is online

Before retrying, verify that a payment was not already created.

18.83 Account Statement Is Empty

An empty statement normally means:

  1. No credits have been added
  2. No billable services have been used
  3. The wrong Customer account is signed in
  4. Filters exclude all transactions
  5. The page failed to load
  6. Transactions were not recorded correctly

Clear filters and refresh the page.

18.84 Transaction Export Is Empty

Confirm:

  1. The account contains transactions
  2. Date filters are correct
  3. Type filters are correct
  4. The browser permitted the download
  5. The exported file is not being opened from an older cached copy

Try exporting the complete history without filters.

18.85 Credit Security

Customers should protect financial access by:

  1. Using a strong password
  2. Enabling two-factor authentication
  3. Restricting Customer-owner access
  4. Preventing Agents from using Customer credentials
  5. Reviewing transaction history regularly
  6. Protecting exported CSV files
  7. Using only official payment pages
  8. Never sharing card information with support staff
  9. Reporting unfamiliar payments immediately
  10. Signing out on shared computers

18.86 Recommended Balance-Management Practices

Review the balance before launching a campaign.

Review the balance before a bulk SMS send.

Maintain enough funds for recurring phone numbers.

Set a practical low-balance threshold.

Do not rely only on the current alert implementation.

Use a small test payment when using a new gateway.

Keep gateway receipts.

Export statements monthly.

Investigate unexpected charges promptly.

Avoid large unused balances when unnecessary.

Document who is authorized to make top-ups.

18.87 Monthly Financial Review

A Customer should perform a monthly review that includes:

  1. Beginning balance
  2. Credits added
  3. Call charges
  4. SMS charges
  5. Telephone-number purchases
  6. Monthly number rentals
  7. AI Agent usage
  8. Refunds
  9. Manual adjustments
  10. Ending balance
  11. Gateway receipts
  12. Unresolved discrepancies

Export the CSV and store it according to the organization’s financial-record policy.

18.88 Customer Credit Readiness Checklist

Before starting billable operations, confirm:

  1. The Customer can open My Credits.
  2. The current balance is visible.
  3. At least one payment gateway is available.
  4. The preferred gateway works.
  5. The correct payment currency is selected.
  6. Conversion information is understood.
  7. A test top-up has completed.
  8. The credit transaction appears.
  9. The balance increased correctly.
  10. Account Statement is accessible.
  11. The low-balance threshold is configured.
  12. Active phone-number monthly costs are known.
  13. Campaign costs have been estimated.
  14. SMS segment usage has been reviewed.
  15. A responsible person monitors the balance.
  16. Payment receipts are retained.
  17. Exported financial records are protected.

18.89 Chapter Summary

AIUNIFY Call Center uses prepaid credits for calls, SMS messages, telephone numbers, AI Agent activity, and other eligible usage-based services.

Customers and Administrators can access credit and payment controls. Agents cannot manage credits through the standard interface.

The My Credits page displays the current balance, recent transactions, monthly spending information, and credit-management actions.

Customers can add credits through configured gateways such as Stripe, Razorpay, Paystack, PayPal, Flutterwave, or Cryptomus.

The Top-Up page supports preset amounts, custom amounts, gateway-specific currencies, and conversion previews when payment is made in a currency different from the platform’s base currency.

Every completed balance change creates a transaction containing the amount, currency, balance before, balance after, description, reference, status, and applicable payment information.

The Account Statement displays credits and debits in chronological order. Transaction records can also be exported to CSV.

Low-balance settings allow the Customer to configure a threshold, but the current source does not yet provide a fully implemented Customer notification in every installation. Customers should monitor balances manually.

Recurring monthly telephone-number charges require sufficient credits. A number may be revoked when the Customer cannot pay its recurring charge.

Customers should review balances before campaigns and bulk messages, retain payment receipts, export statements regularly, and report payment discrepancies before submitting duplicate payments.

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