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'.
See which payment methods does Rootlayer accept - https://rootlayer.net/billing/index.php/knowledgebase/37/Payment-Methods-Fees-and-Terms.html
If you already have "Credit Balance", You can pay invoices using it without Paying The Gateway Fee again. :)
Don't you have Credit Balance Yet? You can add "Credit Balance" Using our "Add Fund" Feature with below link -
https://rootlayer.net/billing/clientarea.php?action=addfunds
If you have more question(s), Please contact us: https://rootlayer.net/billing/index.php/knowledgebase/35/How-to-Contact-RootLayer.net-.html