Payment Methods & Auto Top-Up

Saving a payment method means you don't have to re-enter card details every time, and Auto Top-Up keeps your balance from running dry without you watching it. This page explains how cards are managed, how to set up automatic top-ups, and how the monthly spending limit protects you from overspending.

First, which payment gateway is active?

Qlar uses one of two payment gateways behind the scenes, and which one you see depends on how your account is set up:

You don't choose this — it's already configured for your account. The quickest way to tell which one you have: open My Credit and look for a Payment Method tab.

• If you see a Payment Method tab → you're on DOKU.
• If instead you see a Manage Subscription or Open Billing Portal button → you're on Polar.

Managing cards with Polar

With Polar, all of your card details live in Polar's secure customer portal, not in Qlar itself.

1. On My Credit, click Manage Subscription (sometimes labelled Open Billing Portal).
2. The Polar customer portal opens in a new view.
3. From there you can add a card, change your default card, remove a card, and view your subscription.

Tip: Because Polar hosts the portal, the exact buttons there are managed by Polar and may look a little different from the rest of Qlar. Your card data stays with the payment provider, which keeps it secure.

Managing cards with DOKU

With DOKU, the My Credit → Payment Method tab lists your saved cards. Each saved card shows:

• The masked number (for example, •••• 1234) so you can recognise it without exposing the full number.
• The card brand (Visa, Mastercard, and so on).
• A Default badge on the card that will be used automatically.

Add a new card

Click Add New Card. Adding a card uses 3D Secure verification, so:

• You may be redirected to your bank to confirm it's really you.
• A small temporary verification charge is made to check the card is valid. This is not a real charge — it's reversed automatically.

Set a default card

Click Set as Default on any saved card. The default card is the one used for purchases and for Auto Top-Up.

Delete a card

Click Delete on a card you no longer want on file. If you delete your default card, set another card as default so automatic charges still work.

Auto Top-Up (DOKU)

Auto Top-Up watches your balance and buys credit for you when it gets low — so an agent never stops mid-conversation because it ran out of credit.

The idea is simple:

• You set a threshold — when your balance falls below this number of credits, a top-up is triggered.
• You set a target balance — the top-up buys enough credit to reach this number.

Set it up

1. Open My Credit and find Auto Top-Up Configuration.
2. Click Edit Configuration.
3. Toggle Auto Top-Up enabled.
4. Enter your threshold (in credits).
5. Enter your target balance (in credits).
6. Save.

Auto Top-Up charges your default card, so make sure you have one set.

Worked example: You set threshold = 20,000 credits and target = 100,000 credits. Your balance ticks down with normal use. The moment it drops below 20,000, Auto Top-Up buys enough credit to bring you back up to 100,000. You never have to think about it.

Monthly spending limit

The monthly spending limit is a safety cap on how much can be spent or purchased per month, set in USD. It's there so an unexpected burst of usage — or repeated auto top-ups — can't quietly run up a large bill.

On the page you'll see:

• Your current monthly spending compared against the limit.
• A validation alert that warns you before a purchase would push you over the limit.

If a purchase would exceed the limit, the app stops you and explains why, so you can either wait until next month or adjust the limit deliberately.

Tip: Treat the monthly limit and Auto Top-Up as a pair. Auto Top-Up keeps you running; the monthly limit makes sure it can't overspend.

Next step

With payments and top-ups sorted, the next thing to know is how to read your payment history. Continue to Transactions & Invoices.