Prepaid Credits & Top-ups

What prepaid credits are

Prepaid credits are a rupee balance you add to your organisation in advance. They pay for metered usage beyond what your plan includes — voice minutes, additional AI conversations and extra phone numbers.

Credits are not a subscription payment. Your plan fee is charged separately on its own billing cycle, and credits are never used to pay it. Everything inside your plan’s monthly allowance stays free — credits are only drawn on once you go past it.

This policy forms part of our Terms of Service and should be read alongside our Refund & Cancellation Policy.

Adding credits

Credits are bought from Billing in your console at console.amomic.in. Only an organisation owner can add credits.
You choose the amount. The minimum single top-up is ₹500 and the maximum is ₹5,00,000; larger commitments can be arranged by contacting us.
Payments are processed by Razorpay. We never see or store your card, UPI or bank details.
Credits are applied to your balance as soon as the payment settles — typically within seconds. If your browser closes before confirmation appears, the payment is still credited automatically once the gateway notifies us.
Credits are available on paid plans only. Free-plan and custom-contract organisations do not use the credit balance.

GST on top-ups

Under Indian GST law, tax on services is payable when an advance is received. Applicable GST is therefore charged at the time of the top-up, on top of the credit amount, and a tax invoice is issued for that payment.

The credit amount you chose is what is added to your balance. GST is charged in addition to it and is never spendable as credit.
Because tax is settled at top-up, no further GST is charged as credits are consumed.
To receive a GST invoice showing your GSTIN, add your GSTIN and state in Billing settings before you top up.

While our GST registration is pending

Until our GSTIN is issued, top-ups are charged with no tax line and invoices state that GST is not applicable. We do not collect GST without a registration number.

What credits are spent on

Only usage beyond your plan’s included allowance draws on credits. The current rates are:

Usage	Unit	Rate	Charged when
AI voice calls	Per minute of connected time	₹6.00	Beyond the voice minutes included in your plan
AI conversations	Per 24-hour thread, per channel	₹2.00	Beyond the conversations included in your plan
Phone numbers	Per number, per month	₹399.00	For each number beyond the one your plan includes

Rates are exclusive of tax, which is settled at top-up as described above. We may change rates with at least 30 days’ notice; changes apply to usage from the effective date onward and never retrospectively to usage already recorded.

How credits are drawn down

Usage is measured continuously and charged against your balance through the day, so the console reflects near-real-time spend.
Voice is billed on your total connected time each month, rounded up to the nearest minute — not rounded up on every individual call.
Where you hold credits from more than one top-up, the credits closest to expiring are spent first, so you lose as little as possible to expiry.
Because usage is measured after it happens, a balance can briefly go below zero — for example a call that was already in progress when your credits ran out. Your next top-up settles that amount first.
Every credit, charge and expiry appears as a dated line in Billing → Credit transactions in your console.

How long credits stay valid

Credits are valid for 12 months from the date of the top-up that created them. Each top-up carries its own expiry date.
We show credits approaching expiry in your console and notify organisation owners and admins in advance.
Credits not used within their validity period lapse and are removed from your balance. The expiry is recorded as a dated line in your credit transactions.
Promotional, trial or goodwill credits may carry a shorter validity, which we state when they are issued. They have no cash value.

Expiry applies from purchase, not from your last activity

Keeping your account active does not extend an existing top-up’s validity. If you are holding a large balance you expect to use slowly, contact us before you buy and we will discuss terms that suit you.

If your balance runs out

Running out of credits is not a suspension. Your account stays open and your plan keeps working.

Keeps running: your plan, your AI agents, and every conversation your customers start — web chat, WhatsApp, email and inbound calls — all continue on your plan’s included allowance.
Pauses: new outbound calls, campaign sends, and any usage beyond your plan’s included allowance, until you add credits.
A call or send already in progress is never cut off part-way; it completes and is charged normally.
We email organisation owners and admins when roughly 80%, 95% and 100% of your credits have been used, so a stoppage is never the first you hear of it.

Suspension for unpaid subscription fees is a separate matter and is described in our Terms of Service.

Refunds & closing your account

Usage already consumed — completed voice minutes, delivered messages, conversations already handled — is non-refundable.
Unused credits you purchased (as distinct from promotional credits) are refundable on written request when you close your account, less any payment-gateway charges we cannot recover, as set out in our Refund & Cancellation Policy.
Expired credits are not refundable, because the validity period had already been disclosed and shown to you.
Duplicate or erroneous charges — for example a double top-up caused by a payment retry — are refunded in full once verified.

Refund requests follow the process in the Refund & Cancellation Policy: email support@amomic.in from your registered account address. Approved refunds go back to the original payment method.

Credits are tied to your organisation

Credits belong to the organisation that bought them. They cannot be transferred to another organisation or account, sold, or exchanged for cash except as a refund under the terms above.
Credits are not a deposit, a stored-value instrument, a prepaid payment instrument, or any form of money. They can only be redeemed against Amomic-AI usage.
Credits earn no interest.

Metering disputes

If you believe a charge is wrong, write to support@amomic.in with the transaction reference from your credit transactions list. We investigate against our own service logs and, where a charge is verified as incorrect, credit or refund the difference.

We keep a permanent, append-only record of every credit and charge on your organisation. You can see the same record at any time in the console.

Changes & contact

We may update this policy from time to time; the version on this page applies to top-ups made after its “Last updated” date. Material changes to rates or validity are notified at least 30 days in advance. Questions: support@amomic.in.

Questions about this policy?

Write to us and mention “Prepaid Credits & Top-ups” in the subject line — we read and answer every message.

support@amomic.in

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