How do Credit Limit, Minimum Balance, Minimum Top-Up, and Total Usage Balance work in MyOperator, and which of them can I edit?

⚡ 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:

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.

Definition: The minimum balance refers to the threshold amount that your MyOperator account should maintain to ensure uninterrupted service.
Purpose: When your account balance goes below this level while using extra features and resources not covered by your MyOperator plan, you will be alerted via email and SMS. This helps prevent service disruption due to insufficient funds.
Recommendation: Maintain a balance equal to or higher than the minimum balance to avoid reaching the credit limit and to ensure smooth operation of services.

Definition: The minimum top-up amount is a suggested recharge amount to top up your usage balance after your account balance goes below the specified minimum balance.
Purpose: This helps ensure that your account has sufficient funds to cover any additional usage beyond the allocated free resources. It acts as a guideline for recharging adequately.
Recommendation: Consider the minimum top-up amount when recharging to avoid falling below the minimum balance again.

Definition: The credit limit is the maximum credit amount that any MyOperator account can go to. It represents the extra value apart from the allocated features in the package.
Purpose: The credit limit allows accounts to continue functioning even after being out of balance for a certain period. It shows trust in customers, allowing temporary usage beyond the current balance.
Management: Initially, your account may not be assigned a credit limit. With constant usage and timely payments, the system may gradually add and increase it. Credit limits can be reduced in the case of non-timely payments.

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 the balance falls below the Minimum Balance. Editable.
Total Usage Balance	Prepaid balance – (Current Usage + Outstanding Usage).

Tip

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

These defaults apply to:

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.

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

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

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

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

Your services pause when:

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

Pay the Total Outstanding Amount shown on top of the dashboard
Click Refresh Balance
Services resume within ~5 minutes. If Auto-Debit is ON, the system may auto-recharge before suspension happens.

✔ 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

Updated on: 08/01/2026