Credit system
1. Credit value
1 credit = ₹0.15 (so ₹1,000 = 6,666.67 credits). This is the list value of a credit. It sets the rupee price of every rate-card line below and the conversion when a doctor pays for an add-on from credits.
Volume discounts are given as bonus credits on larger packs, not as a lower price per credit. That keeps one value for a credit: the only discount a buyer can get is the bonus you choose to give.
2. Rate card (credits per unit; every unit is paid in credits)
Set each rate from real vendor cost + margin, not round numbers. Storage, doctors, staff and devices are limits, never credits.
| Service | Credits / unit | Status | Note | |
|---|---|---|---|---|
| = ₹0.15 | ||||
| = ₹0.30 | ||||
| = ₹0.75 | ||||
| = ₹1.50 |
3. Credit packages
| Package | Credits | Price (ex-GST) | Effective price / credit | Revenue per SMS / WhatsApp / tele-minute | Validity | Status | |
|---|---|---|---|---|---|---|---|
| CR1000 Starter | 1,000 | ₹250.00 | ₹0.250 list ₹0.15 | ₹0.250 / ₹0.500 / ₹1.25 | 365 d | active | Edit |
| CR5000 Value - recommended | 5,000 + 250 bonus | ₹1,250.00 | ₹0.238 list ₹0.15 | ₹0.238 / ₹0.476 / ₹1.19 | 365 d | active | Edit |
| CR10000 Pro | 10,000 + 800 bonus | ₹2,500.00 | ₹0.231 list ₹0.15 | ₹0.231 / ₹0.463 / ₹1.16 | 365 d | active | Edit |
| CR25000 Business | 25,000 + 3,000 bonus | ₹6,250.00 | ₹0.223 list ₹0.15 | ₹0.223 / ₹0.446 / ₹1.12 | 365 d | active | Edit |
The last column is your revenue per unit at each package price. Compare it with your vendor cost per unit (DLT SMS, WhatsApp provider, VideoSDK) to see the margin on each tier. Check this before publishing packages.
4. Organisation wallets
| Organisation | Balance | Expiry (FIFO) | Low alert at |
|---|---|---|---|
| Dr. Ravi's ENT Clinic | 3,334 | next expiry 2027-07-17 (3,334) | 200 |
| Meena Rao ENT Care | 0 | - | 200 |
| Anil Ortho & Spine Clinic | 0 | - | 200 |