---
title: "What to Do When You Hit Your Limit"
description: "If your wallet has reached zero, processing stops: your automations stop replying and messages stop going out."
canonical_url: https://chatfuel.com/docs/billing/what-to-do-when-you-hit-your-limit
markdown_url: https://chatfuel.com/docs/billing/what-to-do-when-you-hit-your-limit.md
last_updated: 2026-08-17
lang: en
site: https://chatfuel.com/docs
llms_txt: https://chatfuel.com/llms.txt
---

# What to Do When You Hit Your Limit

If your wallet has reached zero, processing stops: your automations stop replying and messages stop going out.

If your [wallet](https://chatfuel.com/docs/billing/how-your-wallet-and-credits-work) has reached zero, processing stops: your automations stop replying and messages stop going out. Nothing is lost — your account, contacts, conversation history, and the [AI Co-Worker](https://chatfuel.com/docs/ai-features/what-the-ai-co-worker-can-do-for-you) all keep working, and live chat is still there so you can answer people by hand in the meantime.

## Set it up in Billing [#set-it-up-in-billing]

Two minutes gets you running again:

1. **Top up the wallet.** Go to the **Billing** tab and add funds — processing resumes as soon as the balance is above zero.
2. **Turn on auto-top-up** so it doesn't happen again. You set the amount, and we add it from your card before the balance runs out.

If a payment didn't go through, check the card on file first — [these are the cards we accept](https://chatfuel.com/docs/billing/accepted-payment-methods).

## Or ask the AI Co-Worker [#or-ask-the-ai-co-worker]

Tell it what you want in chat:

*"My AI stopped answering — did I run out of balance?"*

It checks your subscription and balance and shows you the top-up and upgrade options.

> **Note:** Completing the payment is one of the few steps the AI Co-Worker can't do for you — that part you finish in the **Billing** tab.

## Why did I run out? [#why-did-i-run-out]

Everything you use draws from one balance: AI replies, WhatsApp templates, and — from 1 October — the [service messages Meta charges for](https://chatfuel.com/docs/whatsapp/how-much-does-meta-charge-for-whatsapp-messages). Credits don't carry over between cycles, so a busy month can spend through them faster than a quiet one did. Usually it just means traffic is up, which is a good sign.

If you're regularly spending past your credits, a larger [plan](https://chatfuel.com/docs/billing/chatfuel-plans-and-pricing) gives you more credits for the money than topping up does.

## Will I lose my data? [#will-i-lose-my-data]

No. Your contacts, conversation history, AI settings, and [automations](https://chatfuel.com/docs/ai-features/automations) are all preserved. Once the wallet is funded, everything picks up right where you left off.

## Need help? [#need-help]

If the top-up isn't going through or your balance looks wrong, contact our support team — we'll get you back up and running.