# Summary of Credit Flow

#### 1. Adding Credit

**Create Invoice → Pay Invoice → Credit added to Organization Wallet**

All paid invoices automatically credit your Organization Wallet with the invoice total (minus any fees or taxes).

#### 2. Subscription Renewal

**Marketing Wallet (first) → Organization Wallet (second)**

When a subscription renews:

* System first attempts to charge the application's **Marketing Wallet**
* If insufficient funds or credits expired, system charges **Organization Wallet**
* If both wallets have insufficient funds, subscription will not renew and access may be suspended

#### 3. Credit Transfer (Optional)

Transfer credit instantly to another organization's Marketing Wallet:

**From Organization Wallet:**

* Accessible to: Country Admins and Root Admins
* Can transfer to any organization's marketing wallet

**From Marketing Wallet:**

* Accessible to: Organization Admins
* Can transfer to any organization's marketing wallet

**Transfer Characteristics:**

* Instant processing
* No approval required
* No transfer limits
* Funds move immediately to recipient's marketing wallet


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