> ## Documentation Index
> Fetch the complete documentation index at: https://help.withallo.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Credits

> Credits are the one balance that pays for international calls and texts on Allo. What your plan includes, how to add more, what happens at zero, and where to see what you spent.

**Credits are the balance that pays for international calls, texts and other pay-as-you-go usage on Allo.** Your whole team shares one balance. Your plan includes credits every month. When you need more, you can add one-time credits, turn on auto top-up, or ask support to add a credit package to your subscription.

Only admins can see and manage credits, in **Settings > Billing**, in the **Voice & text balance** section.

***

## What credits pay for

| Usage | How it is billed | Details |
| - | - | - |
| **International calls** | Per minute, at the rate of the destination. Some destinations are free. | [International calling](/en/billing/international-calling-rates) |
| **Texts** | Per segment, at the rate of your Allo number's country. On US and Canadian numbers, texts you type yourself are included, up to 500 segments per seat, per month. | [SMS rates](/en/billing/sms-rates) |
| **Automated and API texts** | Per segment. Covers automatic replies after a missed call, workflows, the API and the Allo MCP. | [SMS rates](/en/billing/sms-rates) |
| **MMS** | Per message, on US and Canadian numbers only. | [SMS rates](/en/billing/sms-rates) |

Credits never pay for:

* Calls to numbers in your country, included in your plan
* Calls and texts you receive, free on every plan
* A text that fails to reach the network

***

## How credits are added to your balance

Your **Available balance** is everything your team can spend right now: what is left of your monthly credits, plus your one-time credits.

| Type | Where it comes from | Does it expire? |
| - | - | - |
| **Monthly credits** | Included in your Business plan: \$5 of credits per seat, every month. A team of 4 seats gets \$20 each month. | Yes. Monthly credits reset every month and do not carry over. |
| **One-time credits** | Bought on top of your Business plan, whenever you want. Used after your monthly credits run out. | No. One-time credits never expire. |
| **Credit package** | Added to your subscription by Allo support, to raise your monthly credits. | Same as monthly credits. |

Allo always spends your monthly credits first. One-time credits only start to go down once the monthly credits for that period are used up.

The **Voice & text balance** section shows how much of your monthly credits you have used, for example **\$3.41 of \$5 monthly credits used**, with the dates of the current period and when it resets.

***

## How to add one-time credits

<Steps>
  <Step title="Go to Settings > Billing">
    Open **Settings**, then **Billing**, and find the **Voice & text balance** section.
  </Step>

  <Step title="Select Add one-time credits">
    Under **One-time credits**, select **Add one-time credits** and follow the steps.
  </Step>
</Steps>

The credits are added to your **Available balance** and stay there until you use them.

***

## How to turn on auto top-up

Auto top-up adds credits automatically when your balance runs low, so calls and messages never stop.

<Steps>
  <Step title="Go to Settings > Billing">
    Open **Settings**, then **Billing**, and find the **Voice & text balance** section.
  </Step>

  <Step title="Select Enable next to Auto top-up">
    While auto top-up is off, the section shows **Disabled** next to its name.
  </Step>
</Steps>

Once auto top-up is on, the section shows the amount it is set to, with a button to change it.

Auto top-up only charges you after you turn it on.

***

## How to raise your monthly credits

If your team regularly uses more than its monthly credits, ask for a credit package. Allo support adds the package to your subscription, and your monthly credits go up every month from then on.

[Contact support](/en/support/contact) to request a credit package.

***

## What happens when the balance reaches zero

When your **Available balance** reaches zero, the team owner will receive an email notice, and everything that uses credits stops:

* **Texts that cost credits do not go out**, and nothing is charged for them.
* **Calls to paid international destinations stop.** A call already in progress ends.

Everything else keeps working: calls in your country, calls and texts you receive, your numbers and your integrations.

Calls and texts start again as soon as you add one-time credits, auto top-up adds credits, or your monthly credits reset.

***

## How to see what your credits were spent on

In **Settings > Billing**, select **View usage** in the **Voice & text balance** section. The **Usage** page shows what your team spent, with a **Date range** filter and a filter for your numbers. It has 3 tabs.

| Tab | What it shows |
| - | - |
| **Overview** | **Total credits used**, **International calls credits used** and **SMS credits used** for the period, how the total splits between calls and texts, and a breakdown over time. |
| **Calls** | A breakdown over time, then **Usage by destination**: total minutes, rate per minute and total cost for each country. Select **View all calls** to see every international call with the member, the numbers, the date, the duration and the cost. |
| **SMS** | A breakdown over time, then **Usage by source**: the number of messages, the cost per message and the total cost for each source, such as **App**. Select **View all messages** to see each message with its source, the member, the numbers, the date and the cost. |

To check what a destination costs before you call, select **View rates** in the **Voice & text balance** section. The rates for every country are also public on [rates.withallo.com](https://rates.withallo.com).

***

## Frequently asked questions

<AccordionGroup>
  <Accordion title="Do credits expire?">
    Monthly credits reset every month and do not carry over. One-time credits never expire and stay on your account until you use them.
  </Accordion>

  <Accordion title="Which credits are used first?">
    Monthly credits are always used first. One-time credits are used only after the monthly credits for the period run out.
  </Accordion>

  <Accordion title="Are credits shared across the team, or per number?">
    Credits are shared by your whole team. International calls and texts from all your numbers draw from the same balance.
  </Accordion>

  <Accordion title="Who can see the credits balance?">
    Every admin can. Members do not have access to billing. The **Voice & text balance** section and the **Usage** page are in **Settings > Billing**.
  </Accordion>

  <Accordion title="Can I get a refund on unused credits?">
    No. Credits are non-refundable. One-time credits never expire, so there is no deadline to use them. See the [refund policy](/en/billing/refund-policy).
  </Accordion>

  <Accordion title="Will I be charged automatically if I run out?">
    No. When the balance reaches zero, calls and texts that use credits pause. The only automatic charge is auto top-up, and only if you turn it on.
  </Accordion>

  <Accordion title="We use a lot of credits every month. Can we get more included?">
    Yes. [Contact support](/en/support/contact) and ask for a credit package. It is added to your subscription and raises your monthly credits.
  </Accordion>
</AccordionGroup>

***

## Related

<CardGroup cols={2}>
  <Card title="International calling" icon="https://mintcdn.com/themobilefirstcompany/RgYoir1kmfhXIZ06/media/allo-icons/Globe.svg?fit=max&auto=format&n=RgYoir1kmfhXIZ06&q=85&s=45870a5ce07e9da6c85818cfc67ea2d3" href="/en/billing/international-calling-rates" width="24" height="24" data-path="media/allo-icons/Globe.svg">
    Turn on international calling and check per-minute rates
  </Card>

  <Card title="SMS rates" icon="https://mintcdn.com/themobilefirstcompany/yN5XCm7zDDPr0-yn/media/allo-icons/chat-bubble.svg?fit=max&auto=format&n=yN5XCm7zDDPr0-yn&q=85&s=d1817ba8f8b3a0d440cf67199eb899cd" href="/en/billing/sms-rates" width="24" height="24" data-path="media/allo-icons/chat-bubble.svg">
    How segments are counted, and what a text costs in each country
  </Card>

  <Card title="Plans and pricing" icon="https://mintcdn.com/themobilefirstcompany/yN5XCm7zDDPr0-yn/media/allo-icons/credit-card-fill.svg?fit=max&auto=format&n=yN5XCm7zDDPr0-yn&q=85&s=fbe96271dadf3e304bccd2df6073282c" href="/en/billing/plans-and-pricing" width="24" height="24" data-path="media/allo-icons/credit-card-fill.svg">
    What each plan includes
  </Card>

  <Card title="Refund policy" icon="https://mintcdn.com/themobilefirstcompany/yN5XCm7zDDPr0-yn/media/allo-icons/credit-card-fill.svg?fit=max&auto=format&n=yN5XCm7zDDPr0-yn&q=85&s=fbe96271dadf3e304bccd2df6073282c" href="/en/billing/refund-policy" width="24" height="24" data-path="media/allo-icons/credit-card-fill.svg">
    What can and cannot be refunded
  </Card>
</CardGroup>


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