The Communications Wallet is the credit system that funds your usage-based features in SwiftFox. Outbound Emails, Text messages and Calls (VoIP) all draw down from your wallet balance based on configured rates. When the balance is low, you can top up on demand or rely on auto top-up to keep your balance ready automatically.
The wallet lets you add your own payment details and top up SwiftFox credits directly — manually or automatically — without needing to contact the SwiftFox team. It is designed for account administrators, finance officers and support staff.
What the wallet funds
The wallet pays for usage-based channels, each charged at a configured rate:
- Emails — charged per email beyond any included monthly allowance (inclusions).
- Text messages — charged per message; typically no inclusions, so every message is charged at the per-unit rate.
- Calls (VoIP) — charged per minute, with each started minute counting as one unit.
Where the wallet lives
The wallet lives under Settings → Finance & usage → Wallet (the page is titled Wallet). Open it to view your balance, top up, configure auto top-up, manage payment cards, and review transactions and summaries. Auto top-up, saved cards and email alerts (payment receipts and low balance alerts) are set in the Manage wallet drawer, opened from the button at the top right of the page.
Key concepts at a glance
- Balance — the funds currently available to spend.
- Rates — the per-unit cost for each channel; configurable per account.
- Inclusions — a volume of usage included in your plan before per-unit charges begin.
- Quick top-up — a one-off manual top-up applied immediately.
- Auto top-up — a rule that adds funds automatically when the balance falls below a threshold you set.
- Credit limit — an optional buffer that allows sending up to a set amount even when the balance is zero.
- Receipts & invoices — generated automatically for every top-up against a linked organisation.
How this guide set is organised
This guide set covers the wallet end to end:
- Accessing & configuring the wallet (Document ID: 324) — opening the wallet and the three configuration models (account-wide, per-Circle, shared global).
- Balance, rates & inclusions (Document ID: 328) — checking your balance and what each action costs.
- Quick top-up (fees, GST, receipts & invoices) (Document ID: 318) — one-off manual top-ups, fees, GST, receipts and invoices, and emailed payment receipts.
- Auto top-up (thresholds, cards & end dates) (Document ID: 326) — thresholds, top-up amounts, the payment method and end dates.
- Managing payment cards (Document ID: 329) — adding and deleting saved cards.
- Credit limits & send behaviour (what is and isn't blocked) (Document ID: 323) — what is and isn't blocked when funds run out.
- Transactions & reporting (Document ID: 319) — Detailed Activity, Monthly summary, Daily summary and CSV export.
- Shared wallets & Circles (Document ID: 327) — how wallets behave across Circles.
- Communications Wallet — Workflows: step-by-step (Document ID: 320) — step-by-step procedures for common tasks.
- Communications Wallet — Frequently asked questions (Document ID: 325) and Communications Wallet — Limitations & best practice (Document ID: 321).
The wallet underpins the Emails, Text messages and Calls (VoIP) features — see those feature guides for how each channel is sent.