Ordering Credits & Payment Methods

Rayo SMS operates on a transparent, prepaid credit model. To purchase credits, sign in to the Web Application and click Credits in the left sidebar (or click the Credits Left badge in the top navigation bar), then select Order Credits.

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How SMS Credits Work

• Prepaid Model: Credits must be available in your account balance before sending live SMS messages (testing with Simulation Mode consumes 0 credits).
• Pricing & VAT: Displayed per-credit prices exclude VAT. Applicable VAT is calculated and added at checkout based on your confirmed tax profile.
• Credit Consumption: 1 credit = 1 standard SMS part (up to 160 GSM 7-bit characters; multi-part messages over 160 characters consume 1 credit per 153-character segment) for your destination country pricing.
• 1-Year Validity: Purchased credits must be consumed within 1 year (365 days) from the purchase date. Any unused credits remaining after 1 year are automatically nullified.
• No Refunds or Cancellations: All credit purchases are final and non-refundable.
• Invoicing: Official tax invoices are issued automatically using your confirmed Company Details and sent to your account’s contact email address.

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Three Payment Methods

On the Order Credits page, you can choose between three payment methods depending on whether you prioritize instant allocation or zero payment processing fees:

1. Online Purchase with Card

Online Purchase with Card (Instant)

Pay online using any major credit or debit card (VISA, Mastercard) processed securely via Stripe for instant credit allocation.

1. Open Credits -> Order Credits and select the Online Purchase with Card tab.
2. Enter the desired Number Of Credits (must meet or exceed the displayed minimum credit purchase threshold).
3. Review the calculated total amount (including VAT) and the estimated net credits to be allocated, then click the blue payment button showing the calculated EUR amount.
4. Enter your Cardholder Name, Card Number, and Expiration Month/Year to complete the payment.

Card Processing Fees

Card purchases incur payment processor fees, which are reflected as a slight reduction in the net credits allocated to your balance. Before you pay, the UI displays the exact estimated credits expected (which varies slightly depending on card type and issuing region/currency).

To receive 100% of your ordered credits with zero processing fees, use Bank Deposit or Purchase With Credit.

Card Security

Rayo SMS never stores your card details in its database. All card numbers and sensitive payment data are transmitted directly to the PCI-DSS compliant payment processor (Stripe).

2. Bank Deposit

Bank Deposit (Zero Fees)

Pay via wire transfer / bank deposit to avoid card processor fees entirely.

1. Open Credits -> Order Credits and select the Bank Deposit tab.
2. Review the listed IBAN bank accounts and the minimum deposit amount (including VAT).
3. Transfer any amount equal to or above the minimum deposit threshold into one of the displayed IBAN accounts.
4. Email your payment receipt to the address shown on the page, or submit a notification via the in-app Contact form (Contact Us).
5. As soon as your deposit is verified by our billing team, the full credit amount is allocated to your account.

3. Purchase With Credit

Purchase With Credit (Instant + Bank Settlement)

Purchase With Credit combines the speed of instant credit allocation with the zero-fee benefit of a bank deposit. It is available to eligible accounts that have been enabled by the platform or account administrator (Allowed To Purchase With Credit).

1. Open Credits -> Order Credits and select the Purchase With Credit tab.
2. Click Purchase With Credit.
3. Your account is immediately and automatically credited with the pre-approved credit package so you can dispatch urgent SMS campaigns without waiting for bank clearing.
4. Settle the corresponding EUR amount (including VAT) via bank deposit to one of the listed IBAN bank accounts.

Order Acknowledgement Requirement

Once your bank transfer is received and reconciled, the administrator acknowledges (Acknowledge) your credit order.

Note: A previous credit order must be acknowledged by the administrator before you can place another Purchase With Credit order. You can check the Acknowledged? status of your orders at any time in Order History.