Auto top-up (thresholds, cards, end dates, email receipts)

Auto top-up is a rule that automatically adds a configured amount to your wallet whenever the balance falls below a threshold you set, so your balance is always ready when you need it.

Configuring auto top-up

1. On the Wallet settings, scroll down to the Auto Top-Up card.
2. In the When balance is below field, enter the trigger threshold (for example, 25).
3. In the Add field, enter the amount to top up (for example, 60).
4. Watch the breakdown beneath the form — it live-updates with GST and Stripe processing fees so you can see the total cost.
5. Click the Card dropdown and select the card you want to charge.
6. (Optional) Toggle Email Receipts on, then enter the email address that should receive every receipt.
7. (Optional) Click the End Date picker and choose a date if you only want auto top-up to run for a limited period.
8. Click Save.

A confirmation message appears and the Auto Top-Up card now shows your saved settings. From now on, SwiftFox automatically charges the nominated card and tops up your wallet whenever a send takes the balance below the threshold.

Selecting a payment card

Auto top-up uses a single nominated card. If you have multiple saved cards, choose the one you want from the Card dropdown. To add a new card, see Managing payment cards.

Email receipts and end dates

• Email receipts — when enabled, a copy of every auto top-up receipt is emailed to the address you provide. This is useful for keeping a complete record of all top-ups.
• End date — set an end date if you only want auto top-ups to run for a limited period (for example, during a specific campaign). Leave it blank to run indefinitely.

When auto top-up fires

Auto top-ups are triggered at the moment a send reduces your balance below the threshold. They are only processed when a balance check fails — not on a fixed schedule. If you see the balance go low without a top-up, either no send has occurred since, or the rule is disabled or past its end date.

Stopping auto top-up

Open the Auto Top-Up section and do one of the following:

• Disable the feature.
• Set an end date.
• Reduce the threshold to zero.

Saved changes take effect immediately.

If auto top-up fails

Auto top-up failures are typically caused by an expired or declined card. Click Manage Wallet, open the Cards tab, and confirm the nominated card is current. Add a new card if needed, then update the Auto Top-Up settings to use it.

Auto top-up applies to the wallet as a whole, not per channel — a single rule (threshold and amount) covers all usage drawn from that wallet.