The Payment Section Update
We're constantly improving Umnico to make your experience with the platform as seamless as possible. We have introduced the feature that allows you to select your preferred currency for paying for your subscription or WhatsApp Business API sessions: Russian rubles or US dollars. We've also made sure that payment amounts are converted accurately.
💱 Selecting Your Primary Payment Currency
Now, when you first access the "Payments" section, a window appears allowing you to select your account’s primary currency. This choice can be changed before your first payment — a reminder is displayed on screen to highlight the option to switch currencies.
Once your first payment is made, the selected currency is saved as the primary one.
For subsequent payments, a selector is available in case you wish to pay in a different currency.
🔄 How Conversion Works
If the selected payment currency differs from your account’s primary currency, the amount will be automatically converted at the exchange rate set by the Central Bank, which is updated daily. The interface displays both amounts simultaneously: the payment currency and the primary account currency.
The conversion happens entirely within the Umnico interface. When you move on to the payment system, the amount is not recalculated again. Even if the exchange rate has changed since selecting the currency, the exact amount shown in your Personal Account will be charged.
💳 Working with Cards and Payment Systems
In the "Payment Management" section, you can add cards in any currency. In this window, you can select the card’s currency. This ensures that future payments are routed to the correct payment system.
- The available payment methods are limited to cards that are compatible with the selected currency.
- The payment is processed through the corresponding system: YooKassa for rubles, Stripe for US dollars.
- Once a payment is successfully completed, the card is set as the default for future automatic payments.
⚙️ Auto-Payments and WhatsApp Business API Session Payments
The system uses the primary card for auto-payments. If the currency on the card differs from the primary currency in your account, the amount is converted using the Central Bank exchange rate.
WhatsApp Business API session payments are made without using stored cards. After a successful transaction, the card is added to the end of the list as a backup option.
