# How can I top up my credit?

At sipgate, payment is made via the so-called **prepaid procedure**. You therefore top up a certain amount to your account each month. The **basic fee** as well as other recurring monthly costs and individual fees such as **connection charges** are deducted from this credit. The credit is always topped up and invoiced again as soon as it falls below a limit set by you (e.g. five euros). The amount of the top-up is **automatically** determined and is based on the monthly fixed costs plus a buffer amount for the expected variable costs from paid calls.

#### The following payment methods are available:

* **Direct debit (recommended payment method)** When paying by direct debit, the bank account you specify is debited and the selected amount is credited to your sipgate account immediately. You can easily store your bank details in the account. Please have your IBAN and BIC number ready for the direct debit procedure.
* **Visa, MasterCard, American Express** All credit card transactions are processed via a secure payment module. The amount is credited to your sipgate balance immediately.
* **One-time top-up** If, within a billing period, you know that additional costs will arise, for example due to expected international calls, you can make a one-time top-up. This allows us to ensure uninterrupted availability of our products. You can find the one-time top-up by direct debit or bank transfer under **Management** **→ Payment** by clicking on the gear icon next to your account balance.

Changing payment details

You can change your payment method as **admin** at any time in the logged-in area. To do so, go to **Account** **→ Management → Payment → Payment method.** There, first enter your **new payment method** . Then you can delete the **previous payment method** . Afterwards, under **Automatic top-up** add the new payment method to ensure a continuous debit.

**Notifications**

You have the option to be notified as soon as a new top-up has been carried out. You can set this under **Account → Management → Invoices → Email to** . There, enter under **Email to** your email address.


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