Auto Top-Up: Never Run Out of Credit

Auto top-up is a "set it once and forget it" feature: whenever your balance drops below $5, CallTuv automatically charges your saved card and adds credit to your balance. It adds $10 unless you choose a different amount, and in the app you can pick $5, $10, $25, or $50. Your credit simply never runs dry - no interrupted calls, no remembering to top up before phoning family on the weekend.

Why you might want it

Two slightly annoying things happen when a balance reaches zero:

• A call in progress ends by itself the moment the next minute can't be paid for - possibly mid-sentence.
• New calls can't start until there's enough credit again (at least the 3-minute minimum).

With auto top-up on, neither ever happens - the balance refills before it empties.

Turning it on, step by step

You can turn it on from the website or from the app - it's the same setting either way.

On the website:

1. Open your browser, go to calltuv.com/balance, and sign in if needed.
2. Make sure you have a saved card. If you've topped up by card before, you already do. If not, do one normal top-up first, or add a card via Manage Payment Methods.
3. Find the Auto top-up switch on the Balance page and turn it on. You'll see a confirmation that it's enabled.

In the app:

1. Open the Balance tab and tap Auto Top-up under Billing & payments.
2. If you don't have a card saved yet, tap Add a payment method and add one. Apple Pay and Google Pay can't be used here - they need you present to approve each payment, and the whole point of auto top-up is that it works while you're not looking - so add a normal debit or credit card.
3. Turn on Enable auto top-up, then choose how much to add each time.

Auto top-up needs a saved card that can be charged while you're away, which is why the app asks for a card even if you've paid with Apple Pay before. It's a one-time setup.

From now on it works silently in the background: balance dips under $5, your default card is charged your chosen amount, the credit appears, and an invoice arrives by email - just like any top-up.

Cards issued in India

Unfortunately, auto top-up can't work with a card issued in India. Indian banking rules (set by the Reserve Bank of India) ask you to approve every card payment yourself - usually with a code sent by SMS or a tap in your banking app - and an automatic top-up happens while you're busy on a call, when nobody is there to approve it.

So with an Indian card:

• Auto top-up stays off. On the website, trying to switch it on shows a message saying it isn't available for cards issued in India. In the app, an Indian card doesn't count as a card auto top-up can use, so the app keeps asking you to add one.
• If auto top-up was already on and you pay with a card issued in India, it's switched off for you. That way an automatic charge that can't succeed is never attempted in the middle of a call.
• One-click top-ups with the same saved card work normally. After you press the button, your bank opens a small window on the page asking you to approve the payment, and the credit appears as soon as you do.

If you also have a card issued outside India, you can make it your default under Manage Payment Methods and switch auto top-up on with that card instead. Just keep in mind that paying with the Indian card again switches auto top-up off, and you'd switch it back on the same way.

Turning it off

Same place, same switch - flip it off on the Balance page and it stops immediately. Nothing else changes; your remaining balance stays put and you can still top up manually whenever you wish.

Good to know

• Auto top-up is a team setting, controlled by the team owner like all billing.
• It happily coexists with manual top-ups - add a larger amount by hand any time you like.
• If an automatic charge ever fails (an expired card is the usual culprit), simply update your card under Manage Payment Methods and top up manually once - then you're back on autopilot.
• If an account is ever suspended - for example while a card dispute is reviewed - auto top-up is switched off on the teams that account owns, so no further automatic charges happen. Once everything is sorted out, simply switch it back on from the Balance page.