> For the complete documentation index, see [llms.txt](https://help.sipgate.de/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.sipgate.de/cloud-telefonanlage/en/account-management/vertrage-rechnungen-und-preise/wie-kann-ich-mein-guthaben-aufladen.md).

# How can I top up my credit balance?

At sipgate, payment is made via the so-called **prepaid method**. You therefore top up a certain amount to your account monthly. The **basic fee** as well as other monthly recurring costs and individual fees such as **call charges** are deducted from this credit. The credit is recharged and billed again whenever it falls below a threshold 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 chargeable 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. For direct debit, please have your IBAN and BIC number ready.
* **Visa, MasterCard, American Express** All credit card transactions are processed via a secure payment module. The credit 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 seamless availability of our products. You can find the one-time top-up by direct debit or bank transfer under **Administration** **→ Payment** by clicking on the gear next to your account balance.

Changing payment details

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

**Notifications**

You have the option of being notified as soon as a new top-up has been made. You can configure this under **Account → Administration → Invoices → Email to** Set. There, enter under **Email to** your email address.


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