> 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 every month. The **base fee** as well as other recurring monthly costs and individual fees such as **connection charges** are deducted from this credit. The credit is topped up and charged again whenever it falls below a limit set by you (e.g. five euros). The amount of the top-up is **automatically** set and is based on the monthly fixed costs plus a buffer amount for the expected variable costs from chargeable phone calls.

#### The following payment methods are available:

* **Direct debit (recommended payment method)** When paying by direct debit, the bank account you provided will be debited and the selected amount will be 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 amount is credited to your sipgate balance immediately.
* **One-time top-up** If you know within a billing period that additional costs are coming up, for example from 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 **Management** **→ Payment** with one click on the cogwheel 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 methods.** There, first enter your **new payment method** and then you can **delete the previous payment method** . Then add under **Automatic top-up** the new payment method to ensure continuous debiting.

**Notifications**

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


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