Postpay Credit Limits
Set per-buyer postpay credit limits in Lead Distro AI. How limits trigger delivery pauses, raise/lower limits, and FAQs for managing buyer credit risk.
Last updated:
What Are Postpay Credit Limits?
A postpay credit limit is the maximum accrued spend a Net Terms buyer can rack up before Lead Distro AI pauses delivery. It's a risk-management control — even your most trusted client shouldn't be able to accrue unlimited spend without paying.
How Limits Trigger Pauses
- Buyer's accrued spend increments with every lead delivered.
- When accrued spend reaches the credit limit, delivery automatically pauses for that buyer.
- Buyer receives a notification (configurable in their billing settings).
- You receive a Slack/email alert (configurable in Settings → Notifications).
- Resume delivery by either: (a) collecting payment for outstanding invoices (drops accrued spend below limit), or (b) raising the limit.
Setting Initial Limits
| Buyer profile | Suggested initial limit |
|---|---|
| New buyer (first 30 days on Net Terms) | $500-$1,000 — low risk while building trust |
| Established buyer (3+ months payment history) | 1-2× monthly typical spend |
| Enterprise client with signed contract | 3-6× monthly typical spend or per contract terms |
| High-risk vertical or newer business | Tight limit + frequent invoicing cycle (Net 7 vs Net 30) |
Raising / Lowering Limits
- Open the buyer detail page.
- Edit the Credit Limit field.
- Save. New limit applies immediately.
- Log the change in the buyer's notes for audit (e.g., 'Raised limit from $5k to $10k after Q4 contract renewal').
Pair credit limits with **threshold alerts** in the Notifications tab — get a Slack alert at 80% of limit so you can chase the invoice before delivery pauses unexpectedly. Smoother experience for the buyer than a hard stop they didn't see coming.
Frequently Asked Questions
What's the difference between a credit limit and a daily cap?
Credit limit controls accrued unpaid spend (postpay risk management). Daily cap controls lead volume per day (pacing). Both can be active on the same buyer — credit limit pauses delivery when unpaid spend exceeds the cap; daily cap pauses delivery when daily volume hits the limit regardless of payment status.
Does the credit limit reset when the buyer pays an invoice?
Yes — paying an outstanding invoice reduces accrued spend by the invoice amount. If a buyer with a $10k limit accrues $9,500, then pays a $5k invoice, accrued spend drops to $4,500 and they have $5,500 of headroom before the next pause. The limit value itself doesn't change; only accrued spend changes.
Can I raise the limit temporarily for a high-volume day?
Yes — edit the limit any time. For a one-day surge, raise the limit in the morning, set a calendar reminder to lower it back the next day. Log the change in the buyer notes so you don't forget. Alternatively, take the buyer's payment for outstanding invoices upfront to lower accrued spend instead of raising the limit.
What's the right credit limit for a new buyer?
Start low — $500 to $1,000 for the first 30 days, regardless of buyer enthusiasm or volume promises. After they pay their first invoice on time, raise to 1× monthly typical spend. Graduate further as payment reliability proves out. New buyer credit losses are the most common billing-side risk in lead distribution; tight initial limits protect against it.
Can a buyer see their own credit limit?
Yes — visible in the Client Portal billing tab. Buyers can see their credit limit, current accrued spend, and limit usage percentage. Helps them self-manage by alerting them to top up or pay outstanding invoices before delivery pauses.
What happens to leads that arrive when a buyer is paused for credit limit?
Routed to other eligible buyers via the campaign's distribution method. If all buyers are paused (credit limits or other caps), the lead is marked UNMATCHED. The paused buyer is excluded from rotation until their accrued spend drops below the limit.
Related Articles
Net Terms
Bill Lead Distro AI buyers on Net 7, Net 15, or Net 30 terms instead of prepaid. Postpay credit limits, invoice generation, and FAQs for established client relationships.
Wallet & Top-Ups
Pre-fund Lead Distro AI buyer accounts with the wallet model. Top up via Stripe, configure auto top-up, handle payment failures, and FAQs.
Plans & Trial
Manage your Lead Distro AI subscription, plans, overage pricing, payment methods, invoices, and billing history. Upgrade or downgrade plans at any time with volume-based pricing starting at $299/mo.
If you have any questions, send us an email at support@leaddistro.ai