Abstract: The present invention discloses a concept of a prepaid credit sharing group that includes a set of prepaid user accounts. A prepaid credit pool can be established for members of the prepaid group, where each group member is able to use credit from the pool and/or contribute credit to the pool. Group members can submit queries to dynamically determine credit balances available to the group. The prepaid group and individual accounts within the group can be centrally managed by an authorized group administrator. This administrator can also have authority to establish limitations and policies that are enforced for all group members.