If while creating a request you got the notification that your partner has surpassed their credit limit, there is no need to worry, this means that your partner has surpassed the limit by a few units. Users in this condition are in the so-called “grey zone”, and have their activity more closely monitored by xChange. You can continue with the request as usual, but the parties will have to agree on one of the following conditions:
- No Instant Credit -> in this condition, the payment is handled by xChange as usual, but any credits that you receive in your wallet will be added as pending. The credits will be released as soon as we receive the payment from the counterpart
- Request Prepayment of Charges -> here, you as the supplier will request the partner to prepay expected charges (system calculated based on historical data). We then invoice the user for the prepayment, and will confirm to you once payment is received. The user will only have access to the release reference once we confirm the receipt of payment
In both cases, you as the supplier don’t need to invoice the user separately for these requests.