Credit is money held on your account rather than against a specific invoice. It behaves differently from a payment and different from a refund, and the distinction matters.
Where credit comes from
- Downgrades. Moving to a cheaper product mid-term leaves unused value, which becomes credit rather than a cash refund.
- Overpayment. Paying more than an invoice's total leaves the difference as credit.
- Adjustments. Where we agree an amount is owed back to you and both parties prefer it to sit on the account.
- Deliberate top-up. Some clients pre-fund the account so invoices settle without a card transaction each time. This is entirely reasonable and often the simplest arrangement for organisations with purchase-order processes.
How it is applied
Available credit is applied automatically to new invoices as they are generated, reducing the amount payable. If the credit covers the invoice in full, the invoice is marked paid without any card being charged.
This is why an invoice total can be lower than the sum of its line items, and why a service can renew with no charge appearing on your card statement.
What credit is not
- It is not a payment method you select at checkout in the usual sense — it is applied before other methods.
- It does not expire on its own, but it is also not a deposit you should build up without reason.
- It is not automatically refundable to your card. Converting credit back to cash is a request, not an entitlement, and depends on how the credit arose.
Seeing your balance
The credit balance is shown in the Billing section and on the account summary. Every application of credit appears in the transaction history, so you can trace where a balance went.
Two things worth checking
First, if you expected to be charged and were not, look for credit before assuming a billing fault. Second, if you are carrying a large credit balance you did not intend to, ask us how it arose. It usually indicates a downgrade or a duplicate payment that is worth understanding.
For anything involving a specific amount, open a billing ticket and quote the invoice numbers involved.
