Credit limits

An eMSP carries the cost of a charge before it bills the driver: the driver charges now and pays later. A credit limit caps how much they can run up in a month before that catches up. When the limit is reached, the driver's cards stop working until it clears. The feature is off by default and enabled per provider.

How the limit is set

A limit applies at two levels, the account and the individual user, and both are checked. It is set automatically from the account's trust tier: a new, lightly verified account gets a lower limit, and the limit rises as the account is verified (contact and billing email, phone, bank details, VAT number). A limit can be unlimited, which is the default, or zero, meaning no credit at all.

What counts towards it

The limit is measured against the current calendar month's charging spend: the cost of the e-mobility sessions the account's drivers have run this month, VAT included, in the account's billing currency. It is a monthly figure, not a running balance since the last invoice.

Sessions paid for at the charging station (immediate payment) do not count towards it, and are handled separately (see below).

What happens at the limit

The platform warns by email at 80% and again at 100% of the limit. Once spend reaches the limit, the account's tokens are blocked: a charge is refused with "Credit limit exceeded", whether the driver taps a card, starts from the app, or charges on another network over roaming.

Because the account limit and the user limit both apply, a token is blocked when either is exceeded, and clears only once both are back under.

How it resets

The figure is monthly, so it resets at the start of each calendar month: last month's spend stops counting, and blocked tokens are freed once the account and user are back under their limits. Raising an account's limit, for example when a trust-tier upgrade lands, also brings it back under and unblocks. It is not tied to when an invoice is paid.

A single token can also be blocked or unblocked by hand through the tokens API, though the monthly check may set it again on the next charge.

Immediate payment

Some billing plans take payment at the charging station rather than on credit. For those, an account is blocked from starting another such charge while it has unpaid immediate-payment sessions outstanding, and is freed once they are settled. This is separate from the monthly credit limit, and those sessions do not count towards it.