# Wallet & pricing > MySA is prepaid: you add money to a wallet, and each call is paid for from it at your per-minute rate, with very short calls free. Source: https://business.mysmartassistant.ai/docs/wallet-pricing Your workspace's rate is shown in the console under **Wallet**; for the best price for your volume, [contact sales](https://business.mysmartassistant.ai/contact). Some businesses are on pulse pricing instead, charged per started pulse (see [FAQ](https://business.mysmartassistant.ai/docs/faq)). ## Test and Live wallets You have two separate wallets, switched with the Test/Live switch in the top bar. - **Test** gets ₹100 of welcome credit once the workspace owner verifies their mobile number from **Profile** (a code by SMS; one number can claim it once). It is never topped up. - **Live** starts at ₹0. Top it up before calling. All recharges go to the Live wallet. Open **Billing** to see your balance, the **Passbook** of every credit and charge, and your **Invoices**. _Billing: balance, passbook and Add money_ **On this screen:** the cards at the top show your **Available balance** (with **Add balance**), what was spent **This month**, and **Pending payments** still awaiting. The tabs switch between **Passbook**, **Invoices**, **Completed**, **Incomplete** and **Alerts**; the Passbook's **Account statement** lists each entry with its date, description, type, credit or debit and the running **Balance** for the period you pick, and **Download** exports it. **Add money** sits on the right. ## Add money There are two ways to top up your Live wallet. ### Add money: Instant (online) 1. On **Billing**, find the **Add money** card and keep **Instant** selected. 2. Pick ₹5,000, ₹10,000, ₹15,000, ₹20,000, ₹25,000 or ₹30,000, or type your own amount under **Other amount** (the minimum and the step are shown under the box). 3. Press **Pay** and pay by UPI, card or netbanking. _Add money → Instant (UPI, card)_ **On this screen:** the **Add money** card with **Instant** (UPI, card) selected. Tap one of the preset amounts or type your own under **Other amount**; the minimum and the step are shown under the box. The total with GST appears at the bottom once you have picked an amount. The amount you choose is what is credited. GST at 18% is added on top and is never added to your balance: for ₹5,000 you pay ₹5,900. Your balance updates as soon as the payment is confirmed. > **Tip:** If you see "Payment processing", the payment is being confirmed. You can leave the page. Do not pay again. A failed payment adds nothing, so you can simply try again. ### Add money: Bank transfer Click **Request payment**, enter the amount and your contact details. We email you a GST invoice with our bank details. Transfer the total, then upload the payment screenshot on your request. Your wallet is credited once our team verifies the payment. _Add money → Bank transfer_ **On this screen:** the **Add money** card with **Bank transfer** (NEFT, RTGS) selected, which explains the route: we email a GST invoice, you pay to our bank and upload the screenshot. **Request payment** starts a new request, and the note below counts the requests still waiting and points you to the **Incomplete** tab to download the invoice or upload your payment screenshot. Both routes need complete billing details first. See [Invoices & GST](https://business.mysmartassistant.ai/docs/invoices-gst). ### Completed and incomplete payments The **Completed** tab on **Billing** lists every top-up that reached your balance. _Completed payments_ **On this screen:** **Completed payments** is split into **Online payments** and **Bank transfer requests**, each with a count. Every **Wallet top-up** shows the wallet amount, the GST, the total paid, the date and the payment, order and invoice references, with a **Successful** badge. The **Incomplete** tab lists anything you started that has not been added to your balance yet. _Incomplete payments_ **On this screen:** **Incomplete payments** is split the same way into **Online payments** and **Bank transfer requests**, and the tab itself carries a count. Each top-up shows its amounts, date and references with a badge such as **Failed** or **Not completed**; nothing has been added to your balance for these. ## How calls are charged Calls are charged per started minute at the per-minute rate set for your workspace. | Call length | Charged as | | --- | --- | | 0–10 seconds | Free | | 11–59 seconds | 1 minute | | 60 seconds | 1 minute | | Every started minute after that | 1 more minute (61 seconds is 2 minutes) | An 11-second call is charged a full minute, not 1 second. Each call's detail shows its cost and **Charging method**. Inbound calls, missed-call callbacks and WhatsApp Auto-Calls are charged from the same wallet like any other call. ## Reservation and settlement Before a call dials, its maximum possible cost is held from your balance. When the call ends, it settles to the actual charge and the rest is released. A call that has started can never take you below zero. Your balance also decides how long a call may run. If it covers two minutes, the call is set to end after two minutes rather than being refused or cut off mid-sentence. ## When the balance runs low - If the balance will not cover even one billable minute, a Live call waits in the queue and dials on its own once you top up. - If it is still unfunded after 10 minutes, it is cancelled with the reason shown in [Call Logs](https://business.mysmartassistant.ai/docs/call-logs). A cancelled call does not dial later, so create it again. - In Test, a call with no balance is dropped straight away. - Inbound calls are not answered while the balance is empty. - A WhatsApp number is disconnected after the Live wallet has been empty for 24 hours in a row. See [WhatsApp](https://business.mysmartassistant.ai/docs/whatsapp). > **Note:** Low-balance alert emails start once you have topped up at least once. ### Low-balance alerts Set up your warnings on the **Alerts** tab of **Billing**. _Low-balance alerts_ **On this screen:** **Notifications & alerts** holds two switches. **Low-balance email alert** emails you when the Live workspace's balance drops below your amount, once until you top up again; **Low-balance SMS alert (Live)** texts up to 5 numbers when the Live balance is low, from 10 AM, at most your set number of times a day. Each shows its current threshold and recipients, with **Edit** to change them. ## Transfer minutes When a call is transferred to a person on your team, the transferred time is billed separately from the AI's part, at its own rate. The **Call transfer** page shows what your workspace pays. See [Call transfer](https://business.mysmartassistant.ai/docs/call-transfer).