# Billing & Plans (Reference: https://docs.iqra.bot/platform/billing)

Iqra AI operates on a **Hybrid Pricing Model** designed for flexibility. It combines the stability of a monthly subscription (for access and base limits) with the scalability of a pre-paid credit balance (for usage).

The Credit System [#the-credit-system]

Think of your account as a digital wallet. You maintain a **Credit Balance** which is used to pay for consumption.

Deduction Logic (Post-Call) [#deduction-logic-post-call]

Unlike prepaid phones that cut you off mid-sentence, Iqra AI prioritizes the customer experience.

1. **Usage Occurs:** A call is made, Conversation Minutes/Voicemail Detection/Etc are consumed.
2. **Calculation:** Once the session ends, the total cost is calculated based on your plan's unit price.
3. **Deduction:** The cost is deducted from your balance.

<Callout type="warn" title="Negative Balances">
  Because deductions happen *after* the activity finishes, it is possible for your balance to go **negative** (e.g., if a long call exceeds your remaining $1.00).

  Services will be paused immediately after a negative balance is detected until you top up to a positive balance.
</Callout>

Subscription Components [#subscription-components]

Your Plan consists of two distinct types of charges.

1. Recurring Features (Rentals) [#1-recurring-features-rentals]

These are fixed monthly costs for assets you "hold".

* **Examples:** Phone Numbers, Whitelabel License, User Seats.
* **Billing:** Charged automatically to your default card on your monthly renewal date.

2. Usage-Based Features (Consumables) [#2-usage-based-features-consumables]

These are variable costs for activity (Minutes, Tokens, Storage).

* **Included Quota:** Most plans come with a "Free Allowance" (e.g., 500 Minutes). Usage is drawn from here first.
* **Pay-As-You-Go:** Once your included quota is exhausted, further usage is deducted from your **Credit Balance** at the unit price defined in your plan.

***

Payment Methods [#payment-methods]

We support major Credit and Debit cards (Visa, Mastercard, Amex).

<Steps>
  <Step>
    Add a New Card [#add-a-new-card]

    1. Navigate to **Billing** -> **Payment Methods**.
    2. Click **Add Payment Method**.
    3. Enter your card details securely.
  </Step>

  <Step>
    Verification Charge [#verification-charge]

    To ensure the card is valid, our payment processor initiates a small **Temporary Hold** (approx $1.00).

    * **Note:** This is **not** a charge. It is immediately voided/refunded.
  </Step>

  <Step>
    Set as Default [#set-as-default]

    If you have multiple cards, you must mark one as **Default**. This card will be used for:

    * Monthly Subscription Renewals.
    * Auto-Refill triggers.
  </Step>
</Steps>

***

Auto-Refill [#auto-refill]

**Preventing Service Interruption**

To ensure your agents never go offline due to a low balance, we highly recommend configuring **Auto-Refill**.

1. Navigate to the **Billing Overview**.
2. Scroll to the **Auto-Refill** card.
3. **Threshold:** Set the trigger amount (e.g., *"If balance falls below $20"*).
4. **Top Up Amount:** Set the refill amount (e.g., *"Add $100"*).
5. Toggle the switch to **ON**.

***

Billing History & Invoices [#billing-history--invoices]

The **Billing History** tab provides a comprehensive audit trail of all financial transactions.

* **Statuses:**
  * `Paid`: Successful transaction.
  * `Failed`: Card declined or error.
  * `Checkout`: A payment session was started but not completed.
* **Invoices:** Click on any `Paid` transaction to view details and download an official **PDF Receipt** for your accounting.

***

Support & FAQs [#support--faqs]

<Accordions type="single">
  <Accordion title="Why is the charge in OMR (Omani Rial)?">
    Iqra AI is built by **Badal Technologies**, based in the Sultanate of Oman. Our banking infrastructure processes payments in the local currency.

    * **Display:** All dashboard pricing is shown in **USD** for clarity.
    * **Processing:** The final charge is converted to OMR at a fixed, stable rate of **1 USD = 0.385 OMR**.
    * Your bank handles the conversion back to your local currency on your statement.
  </Accordion>

  <Accordion title="Do you support International Cards?">
    **Yes.** We accept Credit and Debit cards from almost all countries globally via our secure payment gateway.
  </Accordion>

  <Accordion title="I see a charge but it was not credited?">
    If you experienced a `Failed` transaction that appears on your bank statement, it is likely a "Pending Authorization" that will drop off within 3-5 business days.

    If a `Paid` transaction is not reflected in your balance, please contact us immediately.
  </Accordion>

  <Accordion title="How do I get billing support?">
    For refunds, disputes, or tax inquiries, please reach out to our finance team:

    * **Email:** `billing@iqra.bot`
    * **Support:** Get in touch with our team members through one of our communication channel (Discord etc.)
  </Accordion>
</Accordions>