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Flowyte runs on a prepaid credit wallet. You add funds, the platform meters usage as agents work, and credits are drawn down in real time. **1 credit = 1 cent (0.01)∗∗,soa0.01)**, so a 10 top-up is 1,000 credits.

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How metering works

Usage is metered per channel as it happens:
  • Voice — per minute of connected call time.
  • Chat — per message exchanged.
  • Toll-free inbound — a call received on a toll-free (8XX) number bills your normal voice minute plus a flat 2 credits/min ($0.02), the same on every plan. Toll-free is “called-party-pays,” so the number owner covers the higher carrier cost. See the toll-free note below.
  • Call transfers — per minute of the forwarded call, billed for the whole bridged duration including hold or queue time. Your AI charges stop at the hand-off, so forwarded minutes are a separate bucket from AI minutes.
  • Phone numbers — a recurring monthly rental.
Each charge becomes a usage item with a channel (voice · chat · transfer_minute · number), a quantity (the metered units), and the credits debited. Pull the day-by-day breakdown from GET /billing/usage/items, or the rolled-up records from GET /billing/usage.
Toll-free pass-through. The flat 2-credit/min toll-free surcharge covers ordinary inbound traffic. In rare cases the underlying carrier charges more than that for a particular call — for example high-access or international originators, or the federal per-call payphone-origination fee — and those above-surcharge carrier costs are passed through at cost. Toll-free numbers may also be subject to inbound usage limits to protect against artificial traffic inflation.

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Topping up with Stripe

POST /billing/wallet/topup starts a Stripe payment and returns a clientSecret your checkout UI confirms. Once the payment settles, the credits land in the wallet. Downloadable invoices are available from GET /billing/invoices.
topup, auto-reload, and changing your plan are completed through the dashboard session (Stripe checkout), not with an API key. Read endpoints — wallet, usage, plans, invoices — accept a key with billing:read.

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Auto-reload

So an agent never goes silent mid-day, configure auto-reload: when the balance drops below thresholdUsd, the platform charges amountUsd automatically. 
PUT /billing/wallet/auto-reload
{ "enabled": true, "thresholdUsd": 20, "amountUsd": 50 }

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Plans

Plans (Starter, Growth, Scale) bundle included minutes at a lower per-minute rate plus an overage rate beyond them; the wallet covers everything else. List them with GET /billing/plans and read your current plan from GET /billing/subscription.

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In the API

ActionEndpointScope
Get wallet balanceGET /billing/walletbilling:read
Top up via StripePOST /billing/wallet/topupdashboard session
Configure auto-reloadPUT /billing/wallet/auto-reloaddashboard session
Credit the wallet (manual / admin)POST /billing/wallet/creditbilling:write
List usage recordsGET /billing/usagebilling:read
Itemized charges in a windowGET /billing/usage/itemsbilling:read
List plansGET /billing/plansbilling:read
Get / change subscriptionGET /billing/subscription · POSTbilling:read · dashboard session
List invoices (PDF links)GET /billing/invoicesbilling:read
# Check the balance before kicking off a batch of outbound work
curl https://builder.flowyte.com/api/v1/billing/wallet \
  -H "Authorization: Bearer flowyte_sk_…"
Watch the balance from a server key with billing:read and alert your own ops channel — pair it with auto-reload so a spike in call volume never drains the wallet to zero.