## Balance & Billing

Chatto uses a credit system to manage costs.

### How Credits Work

1. Your organization has a shared credit balance
2. Each conversation uses credits based on AI model and response length
3. Credits are deducted in real-time
4. Admins can add more credits when needed

### Checking Your Balance

- **Dashboard header** — See your current balance
- **Organization page** — Detailed balance breakdown
- **Monitoring page** — Usage history and trends

### Cost Factors

| Factor | Impact |
|--------|--------|
| **AI Model** | More powerful models cost more per token |
| **Response Length** | Longer responses use more tokens |
| **Knowledge Base** | Using knowledge adds a small overhead |
| **Voice Calls** | Additional cost for speech processing |

### Spending Limits

Organization admins can set limits:

- **Per-member limits** — Cap how much each user can spend
- **Reset periods** — Limits reset daily, weekly, or monthly
- **Automatic enforcement** — Users are blocked when limits are reached

### Adding Credits

1. Go to **Organization → Balance**
2. Follow the top-up instructions
3. Credits are added after payment confirmation

### Low Balance Warnings

When your balance gets low:

- You'll see warnings in the dashboard
- Admins receive email notifications
- Agents continue working until credits run out