# Credit and billing

URL: https://postman.slovakodata.com/help/en/portal/kredit/
Updated: 2026-10-01

Why part of your credit is reserved, how to top up, and where to find transactions.

The **Billing** section shows your credit balance, consumption and payment
history.

### Three numbers, not one

The balance is split into three values, and the difference between them is
the most common source of confusion:

| Value | What it means |
|---|---|
| **Total balance** | All credit on the account. |
| **Reserved** | Credit held by invoices currently being processed. |
| **Available** | What you can actually spend — total balance minus reserved. |

Credit is **not deducted the moment you send**. It is reserved first and
charged only once the recipient's access point confirms delivery (MLS), or once
no confirmation has arrived within 25 minutes of sending. If the document fails,
the recipient's access point rejects it before the credit is charged, or you
cancel it while Pending or Validating, the reservation is released back into the
available balance. If the rejection arrives only after 25 minutes, when the invoice
is already Delivery unconfirmed and the credit charged, the invoice moves to
Rejected but the charged credit is not refunded.

### Usage this month

The number of invoices sent and received, and the total cost for the current
month.

### Topping up

Under **Top up credit** you pick one of the preset amounts or enter your own.

The amount you choose is **credit excluding VAT** — like the prices in the
price list that the credit is spent on. VAT is added to the payment and exactly
the chosen credit is added to your account: topping up €10.00 costs €12.30 and
your balance rises by €10.00. You see the amount including VAT before you
leave for the payment gateway.

### Changing your plan

An organization administrator changes the plan with **Change plan** on the
Balance card.

- A **higher plan** applies as soon as it is paid. In the middle of a billing
  period you pay only the prorated amount for the rest of it; you see and
  confirm the amount including VAT and the recurring-payment terms before you
  leave for the payment gateway.
- A **higher plan with annual billing** (for example from Start monthly to Pro
  annual) also applies immediately: the annual period starts on the day of
  payment, and we deduct the unused part of the current month from the annual
  price. It appears as a separate line on the invoice.
- A **lower plan** and a period change that is not more expensive — annual on
  the same or a lower plan, or switching from annual to monthly — are only
  scheduled. They take effect at the end of the paid period, and until then your
  current subscription continues unchanged. You can cancel a scheduled change on
  the Balance card with **Cancel scheduled change**.
- The individual Enterprise plan is changed by agreement outside the portal.

Consent to recurring payments is given for a specific frequency. When you change
the billing period, you therefore agree to the new recurring payment while
scheduling it — we then charge the first payment of the new period automatically
to your saved card at the end of the current period. If you cancel the change,
your original consent applies again. If you have no saved card (for example after
cancelling and resuming the subscription), no consent is asked for when scheduling
and you pay the new period with **Settle subscription**.

### History and transactions

**Payment history** lists the date, type, amount and status of each payment.
**Transactions** additionally show which invoice a movement relates to, so
you can trace exactly what consumed the credit.