What happens when credit runs out?

When your Billplz Credit Balance reaches zero or goes negative, Billplz automatically deducts from your incoming customer payments to restore the balance. This is called auto-reload. Your customers can still complete payments, but your payout may be delayed or reduced until the credit balance is restored.

What triggers auto-reload

Auto-reload occurs when:

• Your Credit Balance reaches zero or goes negative
• You have incoming customer payments that day

The system deducts from your daily collection in multiples of MYR 100, rounding up to the nearest MYR 100 needed to restore a positive balance.

How auto-reload affects your payout

When auto-reload triggers, Billplz deducts from your daily collection before processing your payout. The impact depends on your collection volume that day:

If daily collections are less than MYR 100:

• The full collection amount goes to your Credit Balance
• No payout is sent to your bank account that day
• Example: MYR 50 collected → MYR 50 goes to credit, MYR 0 payout

If daily collections exceed MYR 100:

• The system deducts MYR 100 (or multiples) to cover the negative balance
• The remaining amount is paid out normally
• Example: MYR 1,000 collected with -MYR 50 credit balance → MYR 100 goes to credit, MYR 900 payout

What auto-reload does NOT affect

• Customer payments: Customers can still complete payments normally. Auto-reload only affects when you receive the payout, not whether the transaction succeeds.
• Card and wallet fees: These are deducted directly from the payment amount before payout, not from your Credit Balance. Auto-reload only applies to FPX fees.
• Settlement timing: Once your credit balance is restored, payouts resume on the standard schedule.

How to avoid auto-reload

To prevent payout deductions from auto-reload:

1. Reload credit manually: Top up your balance before it reaches zero. See [Reload your credit balance].
2. Understand how auto-reload works: If your balance does go negative, the system automatically deducts from your daily collection in multiples of MYR 100. Knowing this helps you plan. See Automatic Credit Reload: overview.
3. Monitor your balance: Check your Credit Balance regularly, especially during high-transaction periods or before membership renewals.