SIM Credit — airtime advance service
SIM Credit keeps subscribers connected through a zero-balance moment — and recovers the advance, plus a service fee, on their next top-up.
What is SIM Credit?
SIM Credit lets mobile subscribers borrow a small amount of airtime or balance from the operator when they run out, ensuring they can keep making calls, sending SMS, browsing the internet, and using value-added services.
The borrowed amount, along with a service fee, is automatically recovered on the subscriber’s next recharge. MBT operates the eligibility scoring, disbursement, and recovery engine, integrated with the operator’s billing.
How SIM Credit works
- 01
Run out
A subscriber reaches a zero or low balance and cannot use services.
- 02
Request
They request an advance via USSD or SMS; the platform scores eligibility instantly.
- 03
Disburse
Eligible subscribers receive airtime immediately and stay connected.
- 04
Recover
The advance and a service fee are deducted automatically on the next recharge.
Key features
Real-time eligibility scoring
Dynamic limits based on recharge history and usage reduce default risk.
Instant disbursement
Airtime is delivered in seconds so subscribers stay connected.
Automatic recovery
Advances and fees are recovered seamlessly at the next top-up.
Billing integration
Works directly with the operator’s charging and recharge systems.
Business impact
- Keeps subscribers connected during zero-balance moments, reducing lost usage.
- Generates fee revenue on every advance with automated recovery.
- Builds loyalty by providing a genuinely useful safety net.
SIM Credit — frequently asked questions
What is SIM Credit?
SIM Credit is a telecom service that lets subscribers borrow airtime or balance from their operator when they run out, so they can keep calling, texting, and browsing. The advance and a service fee are repaid automatically on the next recharge.
How is the borrowed airtime repaid?
The borrowed amount plus a small service fee is automatically deducted from the subscriber’s next recharge, with no manual steps required.
How does SIM Credit reduce default risk?
MBT’s platform scores each subscriber’s eligibility in real time using recharge and usage history, setting advance limits dynamically to keep recovery rates high.
Related services
Ready to transform your digital infrastructure?
Whether you are a business, organization, or operator, our team is ready to design a platform that grows with you.