Keep these limitations and recommendations in mind to get the most from the Communications Wallet.
Current limitations
- Auto top-up is per wallet, not per channel. A single rule (threshold and amount) covers all usage drawn from that wallet. You cannot set separate rules for Emails, Text messages or Calls.
- Auto top-up is event-driven, not scheduled. It only fires at the moment a send reduces the balance below the threshold. A low balance with no recent send will not trigger a top-up.
- Calls (VoIP) don't link to a target person. Call records store the dialled number only, not the target profile. Emails and Text messages do link back to their source profile or campaign.
- The Monthly summary shows usage spend only. Top-ups are not included there — they are tracked in the Daily summary instead.
- Top-ups are non-refundable. As the product states, wallet top-ups are non-refundable and can only be used for communication usage fees, so top up only what you expect to use.
- Wallet configuration changes require SwiftFox. The configuration model (account-wide, per-Circle, shared global), credit limits and Circle wallet setup are configured by SwiftFox, not in the wallet UI.
- Individual sends and automations are never blocked. Even with insufficient funds, one-off Emails, one-off Text messages, background automations and in-progress Calls continue, and the usage is charged once funds are available — so a zero balance does not fully stop spend.
Best practice
- Use auto top-up with a sensible threshold and amount so campaigns are never blocked mid-send. Match the top-up amount to your typical send volume.
- Turn on emailed payment receipts (Manage wallet → Alerts → Payment receipts) so finance gets a confirmation of every top-up, quick or automatic, without checking the wallet. On the same tab, Low balance alerts can warn chosen recipients before the balance runs out.
- Keep at least one current card on file and check it before large sends — an expired card is the most common cause of auto top-up failure.
- Review the Detailed Activity and summaries regularly and export to CSV for reconciliation against invoices.
- Confirm the correct Circle is selected before topping up or managing cards if you use wallet-per-Circle, so funds and cards land in the right place.
- Consider a credit limit (configured by SwiftFox) as a buffer so essential campaigns can still send briefly when the balance hits zero.
- Account for fees when budgeting — the total charge can be higher than the amount credited, because it can include tax (shown as "(incl.)" when the amount already includes it) and a card surcharge where one applies. The Summary step of a quick top-up (and the Summary in the auto top-up form) shows the total before you confirm; read it there rather than estimating. The minimum top-up is $50 — see Quick top-up (fees, GST, receipts & invoices) (Document ID: 318).
- Send compliantly. The wallet funds outbound Emails, Text messages and Calls — ensure all sends comply with the Spam Act and relevant laws.