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Credit Balance is the balance or fund you already have. In another word, This can also be called 'Added-Fund'. You can add-fund using any Payment options we allow other than Credit-Balance Option. When you topped up your fund, Then the topped up fund can be called as 'Credit Balance'.
We Have a Frequently Asked Question as well for this below -
Question:- Do i need to pay "Gateway Fee" again during the usage of "Credit Balance"?
Answer:- Of course, Not. Just make sure you select "Credit Balance" option from the "Payment Methods" drop-down. You will see "Credit Balance" option there and you do not need to pay any fee if you pay invoices using this option. Contact us if you need further assistance.