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Credit Control

Pre-pay / Post Pay

The ConnexCS system, the debit limit is used to differentiate between pre-pay and post-pay customers. It is a value in the customer’s currency that allows a specified number of spins below 0 before calls are stopped.

  1. Pre Pay - Set the debit limit to 0.00 for pre-paid customers, indicating their balances should be paid before they are allowed to use services.

  2. Post Pay - Set the debit limit to the maximum amount you wish to allow for customers. This does not affect the payment terms, but the "negative debit" simply acts as a form of credit.

  3. Pre Pay with Credit Buffer - Set the debit limit to the NEGATIVE of your buffer value. To avoid overspending, set a buffer credit on the customer account. This will give the non-real-time mechanics in the system a chance to catch up or to send customer warnings about cancellation when they near their limits. For example, if you want a buffer in your customer’s account of $5.00--meaning the account will stop dialing when your customer only has $5.00 left in their account--set the debit limit to -$5.00.

Automatic Cut-Off

The automatic cut-off mechanism is partly real-time, whereas credit control is real-time with these exceptions:

  • Credit control only applies to new calls. Calls in progress continue to flow even if customers run out of balance.
  • The current account credit is cached by the routing engine for sixty (60) seconds, which means live credit can be delayed by a minute.

Real-Time Considerations

While it is not possible to implement a 100% real-time credit control that stops account action exactly on 0, there are workarounds. Credit control techniques like channel/cps throttling based on available credit, active call spending, and call duration/spend prediction are all options for scaling systems. They are not inherent in ConnexCS because they are not conducive to high throughput, so we leave that to advanced users.