Account Management/Auto Top-up
Contents
Auto Top-Up Overview
The Auto top-up feature is an account-level feature designed for businesses who want to ensure their customers always retain a positive account balance and do not go in arrears. This pay-in-advance model is designed to assist businesses reduce their exposure to financial risk. The way this happens using auto top-up is to ensure that each client is kept in credit based on their configuration. Each account can be configured with a threshold that defines when an additional credit top up is required.
For the purposes of auto top-up, the credit limit is the total sum of any card lines that have been generated, plus any pending usage which is ready for processing.
The feature set includes:
- Auto top-up trigger thresholds displayed on the customer's invoice.
- Alerts that advise customers when they are approaching their amount of extended credit.
- The payments automatically taken to bring the account balance back up to acceptable levels.
If the customer has no automated payment method in place then the events will still be triggered but the payment will not be attempted. When auto-top up configured, the settings will be displayed on the customer's invoice as shown below
If you are interested subscribing to the Auto top-up feature, please contact the Emersion Sales team via the Emersion Support portal and request a quote.
+SMS alerts require a separate subscription
Configuration of Auto Top-Up
To configure auto-top up, you will need to:
- set up the event templates
- configure the auto top-up settings for each customer
- enable the events.
Customer settings
To set configure auto-top up for a customer, Nav: Customer > Details > Auto top-up
- Auto Top-up Trigger Limit ($)
- If the customer's account balance drops to this amount, an automated payment will be taken. This is subject to the customer's payment method settings.
- Top-Up Amount ($)
- Choose whether the auto-top up payment will increase the customer's account balance to an amount, or by an amount. Enter the amount on the field to the right of the drop down.
Auto Top-up Events
The following system events are used by Auto top-up:
- Auto Top-up credit limit threshold notification warning
- Auto Top-up credit limit initiate payment
The Auto Top-up credit limit threshold notification warning event will be set by default to notify the customer when they have used 85% and 100% of their credit limit respectively.
The Auto Top-up credit limit initiate payment event periodically checks all accounts for any that meet the criteria for taking a payment automatically. By default, the event will search across your customer's accounts looking for payments it should take every two days.
If you would prefer to alter these default thresholds, please raise a technical support ticket and include the trigger thresholds you would like. We will update the event for you.
You will need to ensure a template is set up, and the events are Enabled in order for them to fire. See the links at the bottom of this article if you require further assistance.
Permissions & Access Control
Service providers can limit which of their staff can view and edit the top-up settings on an account. The following base powers control this.
- View auto top-up settings
- Tick to enable the Customer Details > Auto Top-up sub tab in order for the user to view the content.
- Edit auto top-up settings
- Tick to give the user the ability to update the auto-top up details of the account.
