> ## Documentation Index > Fetch the complete documentation index at: https://docs.agencyhandy.com/llms.txt > Use this file to discover all available pages before exploring further. # Credits > Purchase services and pay invoices using a prepaid credit balance: buy credits, track your balance, and manage credit requests. Credits allow you to purchase services and pay invoices using a prepaid balance instead of making individual payments every time. You can purchase credits, track your available balance, view your transaction history, and use credits across the platform whenever credit payments are enabled by the agency. ## How credits work Credits are purchased in advance and added to your account balance. When you purchase a service or pay an invoice using credits: * The required credits are deducted automatically. * Your balance is updated instantly. * The transaction is recorded in your credit history. If the agency has disabled credit payments, credit-related features will not be available. ## Viewing your credit balance When credit payments are enabled by the agency, your available credit balance is displayed in the top navigation bar.

Credit balance widget in the client portal header

*Credit balance widget displayed in the client portal header*

### Accessing the Credits page Click the credit balance widget to open the Credits page. The Credits page provides: * Available credit balance * Transaction history * Running balance * Credit requests * Buy Credits option

*Credits dashboard page*

## Purchasing credits You can purchase additional credits at any time using the **Buy Credits** button. Click the credit balance widget in the top navigation bar. Select the **Buy Credits** button. Choose a credit package from the available options. Select your preferred payment method. Follow the payment process to finalize your purchase.

*Buy Credits page showing available credit packages*

## Credit purchase methods Different payment methods process credits differently. ### Instant credit purchases Credits are added automatically after successful payment when using: * Stripe * PayPal Once payment is confirmed, credits are added immediately, your balance is updated, and a transaction is recorded in your credit history. ### Manual credit purchases Credits purchased using Bank Transfer or Cryptocurrency require agency approval before being added to your account. After submitting payment: 1. A credit request is created. 2. The request is sent to the agency for review. 3. Credits are added only after the agency approves. ## Credit requests Credit Requests allow you to track purchases that require agency approval. Click the credit balance widget in the top navigation bar. Click **Credit Requests** to see the status of your pending and past requests.

*Credit Requests page*

**Request statuses:** * **Pending**: your request has been submitted and is waiting for agency review. * **Accepted**: the request has been approved and credits have been added to your balance. * **Rejected**: the request has been declined and no credits have been added. ## Paying for services with credits When credit payments are enabled and you have sufficient credits, you can purchase services using your credit balance. Navigate to the service you want to purchase. Start the checkout process for the service. Choose the **Buy with Credit** option. Confirm to finalize the purchase. Service checkout showing the Buy with Credit option

Service checkout showing the Buy with Credit option

*Service checkout page showing the Buy with Credit option*

Once the purchase is completed, credits are deducted automatically, your balance is updated instantly, and the transaction appears in your credit history. **When Buy with Credit is not available:** The **Buy with Credit** option will not appear if: * The agency has disabled credit payments. * You do not have enough credits. * The service is not eligible for credit payments. ## Paying invoices with credits You can also use credits to pay outstanding invoices. Navigate to the invoice you want to pay. Select the **Pay Invoice** button. Choose the **Pay with Credit** option. Confirm to complete the payment.

*Invoice payment page showing the Pay with Credit option*

Once payment is completed, credits are deducted automatically, the invoice is marked as paid, your balance is updated, and the transaction appears in your credit history. **When Pay with Credit is not available:** The **Pay with Credit** option will not appear if: * The agency has disabled credit payments. * You do not have sufficient credits. * The invoice amount exceeds your available balance. ## Understanding your credit history All credit activity is recorded on your Credits page. Each transaction includes: * Date * Transaction type * Reference * Credit amount * Running balance

*Credit transaction history table*

**Transaction types:** * **In**: credits added to your account (credit package purchases, approved credit requests). * **Out**: credits deducted from your account (service purchases, invoice payments). ## Frequently Asked Questions The agency has disabled credit payments for the workspace. Credit payments may be disabled by the agency. The agency may have disabled credit payments, you may not have enough credits, or the service may not support credit payments. The agency may have disabled credit payments or your available credit balance may be insufficient. Credits purchased through Stripe and PayPal are added immediately after successful payment. Credits purchased through Bank Transfer or Cryptocurrency are added after agency approval. Yes. All credit purchases and deductions are available from the Credits page. **In** indicates credits added to your account. **Out** indicates credits deducted from your account. No credits are added to your balance. You may contact the agency for more information regarding the request. Yes. Credits can be used to purchase services and pay invoices whenever credit payments are enabled and sufficient credits are available.