Money
Messaging Wallet rules, in plain language
May 8, 2026 · Jogajog team · 2 min read
Quick answer: ৳200 starter credit free; top up by bKash when you choose; credit never expires while active; zero balance pauses only SMS (never the app); unused paid credit refunds on closure minus processing fees. Written down, honored, no asterisks.
How it works
Paid and promotional credit sit in separate buckets — refunds touch only what you paid.
Low-balance emails arrive before members feel anything.
Top-ups are deferred revenue on our books until consumed — accounting honesty behind the product promise.
Frequently asked questions
Can the wallet go negative?
Never — sends that would overdraw simply pause the SMS channel.
Do bigger packs get bonuses?
Yes, volume bonuses land in the promotional bucket.
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