This page explains how credit limits work and exactly what happens to your sending when funds run out.
What is a credit limit?
A credit limit is an optional buffer configured on your account or Circle. When set, SwiftFox allows usage up to the limit even if the wallet balance is zero.
- If no credit limit is set, the default is zero.
- If the credit limit is reached, sending is blocked in the same way as running out of balance.
- Credit limits are typically configured by SwiftFox during account setup.
What happens when you run out of funds
If you attempt to send a campaign and there are insufficient funds:
- You see an error reading "Insufficient wallet balance available" (or similar).
- The campaign is not sent.
To resolve this:
- Go to Settings → Finance & usage → Wallet.
- Either complete a Quick Top-Up or set up Auto Top-Up.
- Return to your campaign.
- Click Send (or Confirm and Send) again.
Funds are only drawn from the wallet when a send is actually executed — not when a campaign is queued or scheduled. Refresh the wallet page after a send to see the deduction and any triggered auto top-up.
What is and isn't blocked
To avoid unexpected disruptions, SwiftFox only blocks certain types of activity when the wallet is out of funds.
Blocked when out of funds:
- Email campaigns
- Text message campaigns
Never blocked:
- Individual one-off emails
- Individual one-off Text messages
- Automations running in the background
- Calls (VoIP) already in progress
Individual sends and background automations are never blocked to avoid breaking workflows unexpectedly. Any usage that does occur is still recorded and charged against your wallet once funds are available.