Create credit-deductions.md

Credit usage FAQ added

Author: pravinOpenSign

docs/docs/help/FAQs/credit-deductions.md

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+## FAQ: Where Are OpenSign Premium Credits Deducted?
+
+### 1. When are Premium Credits deducted? Which actions use Premium Credits?
+
+Premium Credits are deducted whenever you use features that require premium access.
+
+The following features consume Premium Credits:
+
+- **API Signature** – Sending documents for signing via API  
+- **Bulk Send** – Sending documents in bulk to multiple recipients  
+- **Public Link Signing** – Sharing documents using a public signing link  
+- **Kiosk Mode** – Using Kiosk Mode for in-person signing  
+- **Embedded Signing** – Integrating OpenSign into your website or application for signing  
+
+---
+
+### 2. Do regular document sends consume Premium Credits?
+
+No. Standard document sending does **not** consume Premium Credits.
+
+The following actions do not use Premium Credits:
+
+1. **Sign Yourself** document signing  
+2. **Request Signature** – Sending a single document for signature  
+3. **Use Template** – Sending a document using a template  
+4. Sharing or copying a document link  
+5. Resending a document from the **In Progress** section  
+6. Fix and Resend for completed document reports  
+
+---
+
+### 3. How can I track my Premium Credit usage?
+
+You can monitor your Premium Credit usage from:
+
+**Account Settings → API Token page**
+
+On this page, you can view:
+- Available Premium Credits  
+- Your credit usage details  
+
+---
+
+### 4. Will I receive notifications when my Premium Credits are low?
+
+Yes. Email notifications are sent when your Premium Credits reach certain limits:
+
+- When only **50 credits** remain  
+- When credits drop to **10 remaining**  
+- When your balance reaches **0 credits**  
+
+These reminders help ensure uninterrupted usage of premium features.
+
+### 5. Can users created under an Admin consume the Admin’s available credits? Can they purchase credits on their own?
+
+Yes. Users created under an Admin account use the Admin’s available Premium Credits.
+
+There is no option for sub-users to purchase credits independently. All credit deductions are made only from the Admin’s account.
+
+---
+
+### 6. Can an Admin restrict how many credits a user can use?
+
+Yes. The Admin can set a credit usage limit for each user.
+
+To set a credit limit:
+1. Go to **Settings → Users**
+2. Click on the **three dots (⋮)** next to the user
+3. Select **API Credits**
+4. Enter the allowed credit limit
+5. Click **Save**
+
+The user will then be able to use credits only up to the defined limit.
+
+---