# Subscriptions & Billing

Billing is Chaty is made up of two parts;

1. **Your Subscription** - This is the fixed monthly fee that you pay for Chaty to answer your phone calls. Each month, you'll have a fixed number of 'AI minutes' that you can use before your allocation is exhausted. Unused AI minutes from one month are not transferred to the next month.
2. **Your Wallet** - Your wallet is used to pay for other services you might use on an ad-hoc basis, eg:
   1. **Call Forwarding** - If you use Chaty to forward calls to your team members, there's a [per minute fee](/configuring-your-agent/call-forwarding-charges.md) that you'll be charged. The fee varies based on the type of phone your are forwarding to. 
   2. **SMS messages to customers** - If you use the service to send messages to customers with links to map locations or files, you might be charged if there is no allocation for this in your subscription plan.
   3. **AI minutes beyond your plan allowance** - If you use up all your minutes in your monthly plan, you'll pay a per minute rate above your allowance. The rate per minute will be displayed on your plan in Settings > Billing > Subscription 

### Update your Subscription

You can change your subscription at any time if you are on a monthly plan. If you have paid for a full year, any changes will only be applied at the end of the billing period. 

1. Subscription, navigate to Settings > Billing > Subscription. On this page you can see the number of Minutes that you have used during the current billing period. Minutes only include the minutes where Chaty is involved in the conversation, calls that are transferred to a human are billed separately - you can see the call [forwarding rates here](/configuring-your-agent/call-forwarding-charges.md).
2. Click on Manage Subscription on the right, then change plan.
3. Choose the plan you want to move to.

### Managing your Wallet

If you do not have funds in your wallet, the system won't accept calls past your allocation in your subscription plan and won't be able to perform services like call forwarding. 

To add funds to your wallet;

1. Navigate to Settings > Billing > Wallets
2. Enter the funds you'd like to add to your wallet, and click "Top Up". It'll use the credit card assigned to this wallet.

### Updating your Credit Card

To update the credit card that is being use for your subscription, click on "Billing", then View Invoices in the top right of the screen, and then you can change or edit your credit card in Stripe.

### Downloading your invoices

To view your invoices, click on "Billing", then View Invoices in the top right of the screen This will open another window and navigate to stripe where you can view the list of invoices and download them.

### Cancel your Subscription

1. Navigate to Billing > Subscriptions.
2. Click on "Manage Subscription", then "Cancel Subscription" and follow the prompts.


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