diff --git a/apps/hq-web/src/pages/ClientDetail.tsx b/apps/hq-web/src/pages/ClientDetail.tsx
index 2951f8d..97b42cc 100644
--- a/apps/hq-web/src/pages/ClientDetail.tsx
+++ b/apps/hq-web/src/pages/ClientDetail.tsx
@@ -259,9 +259,12 @@ export function ClientDetail() {
           {modules.data !== undefined && (
             <AssignModuleForm
               modules={modules.data}
-              onAssign={(moduleId, kind) => {
+              onAssign={(moduleId, kind, creds) => {
                 assignClientModule(id, { moduleId, kind })
-                  .then(() => { cms.reload(); ledger.reload() })
+                  .then((cm) => creds !== undefined
+                    ? patchClientModule(cm.id, { username: creds.username, password: creds.password })
+                    : cm)
+                  .then(() => { toast.ok('Module assigned'); cms.reload(); ledger.reload() })
                   .catch((err: Error) => toast.err(err.message))
               }}
             />
diff --git a/apps/hq-web/src/pages/Modules.tsx b/apps/hq-web/src/pages/Modules.tsx
index f5c0907..631e8b2 100644
--- a/apps/hq-web/src/pages/Modules.tsx
+++ b/apps/hq-web/src/pages/Modules.tsx
@@ -153,6 +153,9 @@ function ModuleClients(props: { module: Module }) {
   const [assignPick, setAssignPick] = useState<Client | undefined>()
   const [assignKind, setAssignKind] = useState<Kind>(props.module.allowedKinds[0] ?? 'yearly')
   const [assignEdition, setAssignEdition] = useState('standard')
+  const [assignUser, setAssignUser] = useState('')
+  const [assignPass, setAssignPass] = useState('')
+  const needsCreds = props.module.code === 'SMS' // SMS gateway login required at assign
 
   const saveEdit = () => {
     if (edit === undefined || busy) return
@@ -172,9 +175,15 @@ function ModuleClients(props: { module: Module }) {
   }
   const doAssign = () => {
     if (assignPick === undefined || busy) return
+    if (needsCreds && (assignUser.trim() === '' || assignPass.trim() === '')) {
+      setErr('SMS needs the gateway username and password'); return
+    }
     setBusy(true); setErr(undefined)
     assignClientModule(assignPick.id, { moduleId: props.module.id, kind: assignKind, edition: assignEdition })
-      .then(() => { setAssigning(false); setAssignQ(''); setAssignPick(undefined); roster.reload() })
+      .then((cm) => needsCreds
+        ? patchClientModule(cm.id, { username: assignUser.trim(), password: assignPass.trim() })
+        : cm)
+      .then(() => { setAssigning(false); setAssignQ(''); setAssignPick(undefined); setAssignUser(''); setAssignPass(''); roster.reload() })
       .catch((e: Error) => setErr(e.message))
       .finally(() => setBusy(false))
   }
@@ -233,6 +242,13 @@ function ModuleClients(props: { module: Module }) {
           <Field label="Edition / pack">
             <input value={assignEdition} onChange={(e) => setAssignEdition(e.target.value)} />
           </Field>
+          {needsCreds && (
+            <div style={{ display: 'flex', gap: 10, flexWrap: 'wrap', alignItems: 'flex-end', marginBottom: 8 }}>
+              <Field label="SMS username *"><input className="wf mono" style={{ width: 160 }} value={assignUser} onChange={(e) => setAssignUser(e.target.value)} /></Field>
+              <Field label="SMS password *"><input className="wf mono" style={{ width: 160 }} value={assignPass} onChange={(e) => setAssignPass(e.target.value)} /></Field>
+              <span style={{ fontSize: 12, color: 'var(--text-dim)', alignSelf: 'center' }}>Required — the gateway login the balance pull uses.</span>
+            </div>
+          )}
           <Button tone="primary" onClick={() => { if (assignPick !== undefined && !busy) doAssign() }}>
             {busy ? 'Assigning…' : 'Assign to module'}
           </Button>
diff --git a/apps/hq-web/src/pages/SmsBalances.tsx b/apps/hq-web/src/pages/SmsBalances.tsx
index 883317a..de09cce 100644
--- a/apps/hq-web/src/pages/SmsBalances.tsx
+++ b/apps/hq-web/src/pages/SmsBalances.tsx
@@ -141,7 +141,6 @@ export function SmsBalances() {
             { key: 'checked', label: 'Checked' },
             { key: 'actions', label: '' },
           ]}
-          rowTone={(i) => (shown[i]!.low ? 'err' : undefined)}
           rows={shown.map((r) => ({
             client: <Link to={`/clients/${r.clientId}?tab=modules`}>{r.clientCode} · {r.clientName}</Link>,
             balance: r.balance === null
diff --git a/apps/hq-web/src/pages/client-forms.tsx b/apps/hq-web/src/pages/client-forms.tsx
index cc14d25..a092b05 100644
--- a/apps/hq-web/src/pages/client-forms.tsx
+++ b/apps/hq-web/src/pages/client-forms.tsx
@@ -282,32 +282,60 @@ export function InteractionDialog(props: {
   )
 }
 
-export function AssignModuleForm(props: { modules: Module[]; onAssign: (moduleId: string, kind: Kind) => void }) {
+export function AssignModuleForm(props: {
+  modules: Module[]
+  onAssign: (moduleId: string, kind: Kind, creds?: { username: string; password: string }) => void
+}) {
   const [moduleId, setModuleId] = useState('')
   const mod = props.modules.find((m) => m.id === moduleId)
   const [kind, setKind] = useState<Kind | ''>('')
+  const [username, setUsername] = useState('')
+  const [password, setPassword] = useState('')
+  // SMS is a gateway service — its login is required at assign time so the balance pull works.
+  const needsCreds = mod?.code === 'SMS'
+  const ready = moduleId !== '' && kind !== '' && (!needsCreds || (username.trim() !== '' && password.trim() !== ''))
+  const reset = () => { setModuleId(''); setKind(''); setUsername(''); setPassword('') }
   return (
-    <Toolbar>
-      <select
-        className="wf" value={moduleId}
-        onChange={(e) => { setModuleId(e.target.value); setKind('') }}
-      >
-        <option value="">Assign module…</option>
-        {props.modules.filter((m) => m.active).map((m) => <option key={m.id} value={m.id}>{m.name}</option>)}
-      </select>
-      {mod !== undefined && (
-        <select className="wf" value={kind} onChange={(e) => setKind(e.target.value as Kind)}>
-          <option value="">Kind…</option>
-          {mod.allowedKinds.map((k) => <option key={k} value={k}>{KIND_LABEL[k]}</option>)}
+    <div className="wf-card" style={{ padding: '10px 14px', marginBottom: 10 }}>
+      <Toolbar>
+        <select
+          className="wf" value={moduleId}
+          onChange={(e) => { setModuleId(e.target.value); setKind(''); setUsername(''); setPassword('') }}
+        >
+          <option value="">Assign module…</option>
+          {props.modules.filter((m) => m.active).map((m) => <option key={m.id} value={m.id}>{m.name}</option>)}
         </select>
+        {mod !== undefined && (
+          <select className="wf" value={kind} onChange={(e) => setKind(e.target.value as Kind)}>
+            <option value="">Kind…</option>
+            {mod.allowedKinds.map((k) => <option key={k} value={k}>{KIND_LABEL[k]}</option>)}
+          </select>
+        )}
+        {needsCreds && (
+          <>
+            <input className="wf mono" style={{ width: 150 }} placeholder="SMS username *" aria-label="SMS username"
+              value={username} onChange={(e) => setUsername(e.target.value)} />
+            <input className="wf mono" style={{ width: 150 }} placeholder="SMS password *" aria-label="SMS password"
+              value={password} onChange={(e) => setPassword(e.target.value)} />
+          </>
+        )}
+        <Button
+          tone="primary" disabled={!ready}
+          onClick={() => {
+            if (!ready) return
+            props.onAssign(moduleId, kind as Kind, needsCreds ? { username: username.trim(), password: password.trim() } : undefined)
+            reset()
+          }}
+        >
+          Assign
+        </Button>
+      </Toolbar>
+      {needsCreds && (
+        <span style={{ fontSize: 12, color: 'var(--text-dim)' }}>
+          SMS needs the provider gateway login — username and password are required so the balance can be pulled.
+        </span>
       )}
-      <Button
-        tone="primary"
-        onClick={() => { if (moduleId !== '' && kind !== '') { props.onAssign(moduleId, kind); setModuleId(''); setKind('') } }}
-      >
-        Assign
-      </Button>
-    </Toolbar>
+    </div>
   )
 }
 
diff --git a/apps/hq/src/repos-sms.ts b/apps/hq/src/repos-sms.ts
index 50d78c4..01bc450 100644
--- a/apps/hq/src/repos-sms.ts
+++ b/apps/hq/src/repos-sms.ts
@@ -66,7 +66,7 @@ export async function smsBalances(db: DB, includeSecrets = false): Promise<SmsBa
        FROM client_module cm
        JOIN client c ON c.id = cm.client_id
        LEFT JOIN sms_balance_check s ON s.client_module_id = cm.id
-      WHERE cm.module_id = ? AND cm.active = 1`,
+      WHERE cm.module_id = ? AND cm.active = 1 AND cm.status = 'live'`,
     mod.id,
   )
   const rows: SmsBalanceRow[] = raw.map((r) => {
@@ -191,7 +191,7 @@ export async function refreshAllSmsBalances(db: DB, userId: string, keyHex: stri
   if (mod === undefined) return summary
   const url = await smsBalanceApiUrl(db)
   const rows = await db.all<{ id: string; username: string | null }>(
-    `SELECT id, username FROM client_module WHERE module_id=? AND active=1`, mod.id,
+    `SELECT id, username FROM client_module WHERE module_id=? AND active=1 AND status='live'`, mod.id,
   )
   for (const r of rows) {
     if (r.username === null || r.username === '') { summary.skipped++; continue }
diff --git a/apps/hq/test/sms-balances.test.ts b/apps/hq/test/sms-balances.test.ts
index 7d43b76..145b733 100644
--- a/apps/hq/test/sms-balances.test.ts
+++ b/apps/hq/test/sms-balances.test.ts
@@ -20,9 +20,10 @@ describe('smsBalances (D28)', () => {
     const low = await createClient(db, 'u1', { name: 'Low Bank', stateCode: '32' })
     const high = await createClient(db, 'u1', { name: 'High Bank', stateCode: '32' })
     const blank = await createClient(db, 'u1', { name: 'Blank Bank', stateCode: '32' })
-    const cmLow = await assignModule(db, 'u1', { clientId: low.id, moduleId: sms.id, kind: 'yearly' })
-    const cmHigh = await assignModule(db, 'u1', { clientId: high.id, moduleId: sms.id, kind: 'yearly' })
-    await assignModule(db, 'u1', { clientId: blank.id, moduleId: sms.id, kind: 'yearly' })
+    // Only LIVE SMS shows on the balance screen (D28) — assign these live.
+    const cmLow = await assignModule(db, 'u1', { clientId: low.id, moduleId: sms.id, kind: 'yearly', status: 'live' })
+    const cmHigh = await assignModule(db, 'u1', { clientId: high.id, moduleId: sms.id, kind: 'yearly', status: 'live' })
+    await assignModule(db, 'u1', { clientId: blank.id, moduleId: sms.id, kind: 'yearly', status: 'live' })
     await setModuleFieldValues(db, 'u1', cmLow.id, { sms_balance: '2,500' })  // comma-formatted, below threshold
     await setModuleFieldValues(db, 'u1', cmHigh.id, { sms_balance: '82000' }) // above threshold