Managing payment cards and pre-funding credit balances can disrupt bulk messaging operations. When credit cards reach transaction limits or pre-funded balances run dry, Meta automatically pauses active campaign streams.
The solution is to establish a **Meta WhatsApp Credit Line**. This payment mechanism allows post-paid monthly invoicing, ensuring campaigns run without funding interruptions. This technical guide explains the requirements and setup steps.
Key Takeaways
- A Meta Credit Line enables post-paid monthly invoicing, replacing pre-funded credit card top-ups.
- Applications are submitted inside Meta Business Manager, requiring verified business entity details.
- Once approved, you share the credit line with your WhatsApp Business Account (WABA) in your billing panel.
- Invoices are generated on the 1st of each month, with standard 30-day payment terms.
Table of Contents
1. Understanding Meta's Post-paid Invoicing
A Meta Credit Line allows corporate accounts to consolidate their messaging costs into a single post-paid monthly invoice. This prevents card declines from blocking active broadcasts.
This invoicing model simplifies account administration. Learn more on our WhatsApp Automation page.
2. Pre-qualification and Entity Requirements
To request a credit line, your Meta Business Manager must have OBA-eligible status, verified corporate registration documents, and a clean payment history.
Meta reviews entity details before approving credit terms. Manage team settings on our Shared Team Inbox page.
3. Step-by-Step Credit Setup Steps
Once prerequisites are met, apply directly inside your Meta Business panel:
- Log in to Meta Business Manager and select Billing & Payments.
- Select Credit Lines and click Request Credit Line.
- Enter company registration and tax details, then submit.
- Approval takes 3 to 5 business days.
Explore template designs on our WhatsApp Template Directory.
4. Linking the Credit Line to WABA
After approval, open your WhatsApp Manager under Business Settings, navigate to payment methods, and select the active credit line card as your primary option.
Review setup parameters on our WhatsApp Chatbot Builder page.
5. Billing Cycles and Credit Limits
Meta sends invoices on the 1st of each month via email, with payments due in 30 days via wire transfer. For number verification, check our Partnership & Onboarding Portal. Learn about plans on our Pricing Details page.
Frequently Asked Questions (FAQs)
Q1: What is a Meta WhatsApp Credit Line?
A: A payment setup that lets you pay for WhatsApp messages via monthly post-paid invoices instead of pre-paid card top-ups.
Q2: What is the benefit of a monthly invoice?
A: It prevents campaign interruptions caused by daily card transaction limits or pre-funded balance drops.
Q3: How long does the credit approval take?
A: Meta usually reviews and approves credit line applications in 3 to 5 business days.
Q4: Can a small business apply for a credit line?
A: Yes, if the Meta Business Manager is verified and has a clean billing history.
Q5: What payment methods are accepted for invoices?
A: Invoices can be paid via bank wire transfer, credit card, or local payment channels depending on location.
Q6: Do we need a developer to request a credit line?
A: No. Business managers can submit applications directly inside the Meta dashboard code-free.
Q7: What is the billing cycle for Meta invoices?
A: Invoices are generated on the 1st of each month for all conversations sent during the previous calendar month.
Q8: How do we prevent number blocks when using credit lines?
A: Billing setups do not affect quality rankings. Keep ratings high by only sending broadcasts to opted-in lists.
Q9: Can we allocate the credit line to multiple WABA accounts?
A: Yes. You can share your approved credit line with different WABA accounts inside your Business Manager.
Q10: What happens if we exceed our credit limit?
A: Campaigns will pause if spending reaches credit limits. You can request a limit increase from Meta support.
Q11: Can a landline number use post-paid invoicing?
A: Yes. Invoicing setup is configured at the WABA account level, covering all registered numbers.
Q12: Do we need a verified Business Manager to apply?
A: Yes. Verification of your Meta Business Manager is a strict prerequisite before applying for credit terms.
Q13: What happens if an invoice payment is late?
A: Meta may pause messaging operations across linked accounts and charge interest on overdue amounts.
Q14: Are virtual numbers allowed?
A: Yes. Virtual numbers have the same invoicing eligibility once verified on the API platform.
Q15: Can we run satisfaction surveys?
A: Yes. Billing type does not affect surveys. Schedule feedback templates 24 hours after invoice settlement alerts.
Next Steps
Setting up a Meta Credit Line ensures your messaging campaigns run continuously by enabling monthly post-paid invoicing.
Ready to request a credit line? Contact our billing support desk to audit your Business Manager today.