Billing & Payments

Oblic uses a prepaid wallet system powered by Cashfree for secure, flexible billing. Recharge your wallet, track usage, and manage invoices all in one place.

Wallet System

How It Works

Oblic uses a prepaid model:

1. Add funds to your wallet
2. Credits are deducted as you send messages
3. Get low balance alerts
4. Recharge anytime

Benefits:

• No surprise bills
• Pay only for what you use
• No monthly commitments
• Flexible top-ups

Checking Balance

View your balance:

Sidebar > Billing

Dashboard shows:

• Current balance
• Available credits
• Pending transactions
• Low balance warnings

Recharging Wallet

Adding Funds

Recharge in 3 steps:

1. Go to Billing > Recharge Wallet
2. Enter amount (minimum ₹100)
3. Complete payment

Payment Methods

Supported via Cashfree:

• Credit Cards: Visa, Mastercard, Amex, Rupay
• Debit Cards: All major banks
• Net Banking: 50+ banks
• UPI: Google Pay, PhonePe, Paytm
• Wallets: Paytm, PhonePe, Mobikwik

Payment Security

Your payments are secure:

• PCI DSS Compliant: Industry-standard security
• Encrypted Transactions: End-to-end encryption
• No Card Storage: Cards not stored on our servers
• 3D Secure: Additional authentication
• Cashfree Gateway: Trusted payment processor

Pricing

Email

What's Included:

• Unlimited contacts
• Email builder
• Templates
• Analytics
• Automation
• No sending limits

WhatsApp

Session Message: Reply within 24 hours of user message (lower cost)
Template Message: Proactive outreach using approved templates

WhatsApp Business API included:

• Official verified badge
• Rich media support
• Interactive buttons
• Quick replies

SMS

Includes:

• Promotional SMS
• Transactional SMS
• DLT registration support
• URL shortening

Forms

Free:

• Unlimited forms
• Unlimited submissions
• All field types
• Basic analytics

Premium (₹499/month):

• Custom domains
• Remove Oblic branding
• Advanced analytics
• Priority support

Usage Tracking

Real-time Monitoring

Track your spending:

Billing > Usage

See breakdown by:

• Channel (Email, WhatsApp, SMS)
• Campaign
• Date range
• Contact list
• Organization (if multi-org)

Export Reports

Download usage data:

• PDF: Monthly statements
• Excel: Detailed usage logs
• CSV: Raw transaction data
• API: Programmatic access

Transaction History

View Transactions

Access full history:

Billing > Transaction History

Shows:

• Recharges
• Deductions
• Refunds
• Credits

Filters:

• Date range
• Transaction type
• Amount range
• Status

Transaction Details

Click any transaction for:

• Transaction ID
• Date and time
• Amount
• Payment method
• Status
• Invoice (if applicable)

Invoices

Automatic Generation

Invoices created for:

• Wallet recharges
• Monthly usage (if requested)
• Subscription payments

GST Compliance

India GST included:

• GST Rate: 18%
• GSTIN: Your business GSTIN (if provided)
• HSN/SAC Codes: Proper classification
• Input Tax Credit: Eligible invoices

Download Invoices

Access invoices:

Billing > Invoices

• View online
• Download PDF
• Email to finance team
• Bulk download

Invoice Details

Each invoice includes:

• Invoice number
• Invoice date
• Your business details
• Oblic's business details
• Itemized charges
• GST breakdown
• Total amount
• Payment status

Auto-recharge

Enable Auto-recharge

Never run out of credits:

1. Go to Billing > Settings
2. Enable Auto-recharge
3. Set threshold (e.g., ₹500)
4. Set recharge amount (e.g., ₹5,000)
5. Save

When balance drops below threshold, wallet automatically recharges.

Recharge Notifications

Get notified:

• Email confirmation
• SMS alert
• In-app notification
• Invoice generated

Payment Failures

What Happens

If payment fails:

1. You're notified immediately
2. Sending paused (if balance = 0)
3. Retry payment prompted
4. 7-day grace period

Resolving Failures

Common reasons:

• Insufficient Funds: Add money to bank account
• Card Expired: Update card details
• Daily Limit: Wait or use another method
• Bank Decline: Contact your bank

Retry payment:

Billing > Retry Payment

Refunds

Refund Policy

Refunds available for:

• Duplicate charges
• System errors
• Service downtime

Processing Time: 5-7 business days

Request Refund

Contact support:

• Email: billing@oblic.app
• Include: Transaction ID, reason
• Attach: Proof (if applicable)

Credits & Discounts

Promotional Credits

Receive credits for:

• Referrals (refer friends, get credits)
• Milestones (send 10,000 emails, get bonus)
• Loyalty (long-term customers)
• Contests (win credits)

Volume Discounts

Enterprise pricing:

• 100,000+ emails/month
• 50,000+ WhatsApp/month
• Custom pricing
• Dedicated support

Contact: sales@oblic.app

Organization Billing

Multi-organization

If you have multiple orgs:

• Separate Wallets: Each org has own wallet
• Unified Billing: Optional combined invoices
• Role-based: Control who can recharge
• Consolidated Reports: View all org spending

Team Access

Control who can:

• View balance
• Recharge wallet
• Download invoices
• View usage reports

Set permissions in Settings > Team

Cost Optimization

Tips to Save

Alerts & Notifications

Low Balance

Get warned:

• At 20% remaining
• At 10% remaining
• At ₹0 (sending paused)

Channels:

• Email
• SMS
• In-app notification
• Mobile push (if app)

Monthly Summaries

Receive monthly:

• Total spending
• Usage breakdown
• Trends vs last month
• Optimization tips

API Access

Programmatic Billing

Developers can:

// Check balance
GET /api/v1/billing/balance

// Get transaction history
GET /api/v1/billing/transactions

// Download invoice
GET /api/v1/billing/invoices/:id

See Developer API for details.

Support

Need help with billing?

• Email: billing@oblic.app
• Live Chat: Available 9 AM - 6 PM IST
• Phone: +91-XXX-XXX-XXXX
• Docs: Full billing documentation

Next Steps