# Billing

> How Message24 charges for active conversations, how to check your balance, and how to top up with First Iraqi Bank.

Source: https://docs.message24.net/owners/account/billing/

Message24 is prepaid. You add balance to your business, and Message24 deducts a small amount for each conversation that is active in a month. Check your balance and add credits in **Settings > Billing**. Only admins can see this page.

## How charges work

You are charged per active conversation, shown on the Billing page as a MAC (monthly active conversation):

- A conversation becomes a charge the first time it is active in a calendar month: when a customer message arrives, when your team replies, or when the AI replies.
- Each conversation is charged once per month, no matter how many messages it has. If the same customer writes again next month, it is charged again next month.
- Only conversations where the customer has written to you count.
- The price per conversation is shown on the Billing page as **Rate per MAC**.

:::caution
When your balance can't cover a new conversation's charge, the AI stops replying to it and your team can't send replies from Message24 until you add credits. Customer messages still arrive in your Inbox. Conversations already charged this month are not affected.
:::

## Your balance and usage

The Billing page shows:

- **Current Balance**. It turns red with a **Low Balance** warning when it drops below $5.00.
- **This Month's Usage**: **Active Conversations** (the MACs charged this billing period), **Spent This Month** and **Rate per MAC**.
- **Spending History**: conversations charged and amount spent for each month.

## Add credits with First Iraqi Bank

If **Add Credits** appears on your Billing page, you can top up yourself with First Iraqi Bank (FIB):

1. Choose an amount: **$10.00**, **$25.00**, **$50.00** or **$100.00**, or type a custom amount under **Or enter a custom amount**. The minimum is $1.
2. Select **Continue to payment**.
3. The payment window shows the **Amount to pay**. If you pay in another currency, it shows that amount and how much will be added to your balance.
4. Pay with FIB in one of these ways:
   - Scan the QR code with the FIB app.
   - Select the payment code under the QR code to copy it.
   - On your phone, select **Personal** or **Business** under **Or pay with FIB app** to open the app directly.
5. Keep the window open. It shows **Waiting for payment...** and changes to **Payment received** as soon as FIB confirms. Your balance updates automatically.

Each payment code is valid for a limited time, shown as a countdown. If it runs out, you'll see **This payment code has expired**. Select **Close** and start again.

:::note
If **Add Credits** doesn't appear, or you prefer another payment method, contact Message24 on WhatsApp using the button under **Need to Add Credits?** on the Billing page.
:::

## Invoices

Every top-up is listed under **Top-up history** with its date, invoice number and amount. Select the download icon to open the invoice as a PDF.

When a top-up is credited, a receipt with the invoice attached is emailed to the person who made the payment and to the business's admins.