> For the complete documentation index, see [llms.txt](https://docs.limephone.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.limephone.io/billing-and-account/payment-methods-and-credits.md).

# Payment methods & credits

Manage your cards, top up usage credits, and view invoices — all from Settings → Billing.

Everything money-related lives in **Settings → Billing**. Only account owners and admins can see and change it.

## Payment methods

Add a new card or update your existing one from **Settings → Billing**. Your default payment method is what gets charged — for your subscription renewal, credit purchases, and number purchases.

## Credits

Usage beyond what your plan includes is paid from credits. Credits are split into **three separate buckets**, each with its own balance and its own purchase packs:

| Bucket                         | Pays for                                                         |
| ------------------------------ | ---------------------------------------------------------------- |
| **International call minutes** | Calls to destinations outside your plan's included calling       |
| **International SMS**          | Text messages to international destinations (billed per segment) |
| **AI Voice Agent minutes**     | Time your AI Receptionist spends on calls beyond plan allowances |

A minute of AI Receptionist talk time and a minute of international calling draw from different buckets — topping up one doesn't cover the other.

To top up:

1. Go to **Settings → Billing** and open the credits view.
2. Pick a pack under the bucket you need and choose **Buy now**.
3. The charge goes to your default payment method, and the credits are added immediately.

**Credits never expire.** Per-minute and per-message rates vary by destination — see the rates page for the full list (rates are carrier cost plus a markup). Each balance shows a low-balance warning when it's running out.

## Invoices and usage

* **Invoices** are viewed through the Stripe billing portal — choose **Manage billing** in **Settings → Billing** to open it. That's also where you update the billing details (company name, address) shown on your invoices, and where you can change the card Stripe charges.
* **Usage** — track credits used, incoming and outgoing calls, and SMS from **Settings → Billing**.

## FAQ

**Do credits expire or reset each month?** No. Credits never expire and roll over indefinitely. Only your plan's *included* allowances reset with the billing cycle — credits sit on top of them.

**Which card is charged when I buy credits?** Always your default payment method on file. There's no per-purchase card picker — update the default card first if you want a different one charged.

**I bought AI Voice Agent minutes but international calls still fail — why?** The three credit buckets are separate. International calls draw only from **International call minutes**; buy a pack under that bucket.

**Where do I get a proper invoice for my accountant?** Open **Manage billing** in **Settings → Billing** — the Stripe portal lists every invoice as a downloadable PDF. Set your company name and address there so they appear on the invoice.

**Can I get a refund on unused credits?** Contact <support@limephone.io> — credit purchases aren't self-serve refundable from the dashboard.