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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.
  • SMS — per message segment (a 160-character part), the same rate in both directions (messages you send and messages you receive). See SMS pricing below.
  • Phone numbers — a recurring monthly rental (2 credits/min are voice; the rental itself is a flat $2/month per number, billed on each number’s purchase anniversary).
  • SMS management — a recurring monthly 10DLC campaign fee ($5/month) while SMS is active.
Each charge becomes a usage item with a channel (voice · chat · transfer_minute · number · sms · sms_management), 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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SMS (10DLC)

Text messaging in the US requires a one-time carrier registration (A2P 10DLC) for your business. Once registered, SMS is billed three ways:
  • Activation — a one-time 2,500 credits ($25) when you submit your registration. It covers the carrier brand fee, the first campaign vetting, and a one-resubmit buffer.
  • Management fee — a recurring 500 credits ($5) per month while your registration stays active, which renews the carrier campaign. The first month is included in activation, so the first monthly fee is debited 30 days after you activate. It stops when SMS is deactivated.
  • Per-segment usage — each message segment (160 characters), the same rate in both directions — messages your agent sends and messages it receives:
    PlanCredits / segmentPrice
    Pay-as-you-go4$0.04
    Starter · Growth3$0.03
    Scale · Enterprise2$0.02
    An inbound reply is capped at 2 segments for billing, so a long inbound message can’t run up an unbounded charge.
Usage segments land on the sms channel; the monthly management fee lands on sms_management.
The $5/month management fee is disclosed on the SMS page before you activate and again on the active status banner — there are no surprise recurring charges. Deactivating SMS (a support request today) stops the fee; there is no proration or refund for a partial month.

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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.