Summary
General Credit is a prepaid balance shared across all pay-per-use services on PEKO/LOOP: AI Assistant, receipt scanning (OCR), SMS, Zalo ZNS (ZBS) messages and GrabExpress delivery. Credit never expires. When the balance reaches 0, these services stop sending/processing until you top up.
Availability: General Credit is available in all countries. Items marked 🇻🇳 Vietnam only apply to merchants in Vietnam.
Where to find it
Admin dashboard → Settings → Usage tab.
1. Which services use General Credit
Service | When credit is deducted | Related article |
Zalo ZNS (ZBS) messages 🇻🇳 Vietnam only | Each message sent to a customer (points earned, orders, vouchers, customer care, OTP…). The amount depends on the message type – see the price table below. | Zalo ZNS messages |
SMS | Each SMS sent (e.g. OTP). | Zalo ZNS messages |
Receipt scanning (OCR) | Each time the system reads a receipt photo a customer uploads to earn points. | Scan receipts to earn points |
AI Assistant | Based on the AI tokens used when you ask about your data or ask it to configure something. | AI Assistant |
GrabExpress 🇻🇳 Vietnam only | Delivery fee for orders delivered via GrabExpress – PEKO. | GrabExpress delivery partner |
2. Check your balance and transaction history
Go to Settings → Usage tab.
The General Credit card (General services) shows your Total balance.
Click View detail to see your credit list, or Transaction history to see all top-ups and usage, filtered by date.
Click the (i) icon next to the card name for an explanation of each figure.
Settings → Usage: the General Credit card
Transaction History: every top-up and usage, with recipient, time, status and amount
3. Top up credit
On the General Credit card, click Top up.
Choose Select package (ready-made packages, if available) or Enter amount and pick a quick amount: 10,000đ, 200,000đ, 500,000đ, 1,000,000đ, 2,000,000đ, 5,000,000đ or 10,000,000đ.
Choose a Payment method: Zalopay (🇻🇳 Vietnam only) or Stripe (international cards, all countries).
Invoice information: choose Apply profile (a saved profile, e.g. Business) or Enter new; click Manage to edit profiles.
Click Pay and complete the payment on the payment gateway. Your balance is updated once the payment succeeds.
Top up Credit: pick an amount, choose Zalopay or Stripe, select invoice information, then click Pay
4. Plan limits (different from credit)
Below the General Credit card you'll see the limits included in your subscription plan, shown as used / maximum: File & Media (storage), SMS, OCR invoices (receipt scans), AI tokens, Staff, Loyalty members, Emails per month (with reset date), Menu items and OCR invoice templates. Click View statistics to see details over time. To raise a limit, upgrade your plan under Settings → Subscription (see the General settings article).
5. Zalo ZNS message pricing (🇻🇳 Vietnam only)
Credit per message | Message type | Note |
360 | 11 customer-care templates: points earned, orders, vouchers, table bookings… | Most common |
480 | Transaction OTP, Welcome Member | New member / OTP |
840 | Birthday voucher, VIP Birthday | Birthday with an offer |
960 | Happy birthday (no voucher) | Greeting message |
Minimum top-up 1,000,000đ. Prices exclude 10% VAT.
6. FAQ
Does credit expire? No. Credit you top up stays until it is used.
What happens when I run out of credit? ZNS/SMS messages, receipt scanning, AI Assistant and GrabExpress orders won't be processed. Top up to continue. POS and sales keep working as normal.
Is credit shared across shops? Yes. General Credit is a single balance for your whole brand.
I paid but my credit hasn't been added. Check Transaction history. If it still isn't there after a few minutes, contact support at [email protected] (Vietnam hotline: 1900 633 470).
How is credit charged for SMS? The same way as ZBS messages.