> ## Documentation Index
> Fetch the complete documentation index at: https://docs.neoagent.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Usage and overage billing

> How Neo bills an account per credit after the month: what each mode charges, how phone minutes count, the monthly cap and when the invoice comes

Some accounts pay for the credits they use after the month ends, at a rate per credit set in their agreement, in place of a fixed bucket and top-up packs. Your Neo account team sets this up. The [**Billing**](https://dashboard.neoagent.io/billing) page shows it when it applies to you.

## The two modes

| Mode | What you pay for each month |
| - | - |
| **Usage billing** | Every billed credit, at your rate per credit. There is no plan ceiling. |
| **Overage billing** | Your plan as usual. It covers a fixed number of included credits. Each billed credit above them costs your overage rate. |

Auto top-up and top-up packs are off in both modes, because credits past the plan are billed rather than bought in advance. The Phone Agent's monthly base fee and the **End-user bot** add-on stay separate lines on your bill.

## What counts as a billed credit

Billed credits for a month are:

* the credits your agents and workflows spend,
* plus the credits your chat agents spend,
* plus your Phone Agent minutes, each worth the number of credits your agreement states (3 unless it says otherwise).

Each call counts as at least one minute. The [**Billing**](https://dashboard.neoagent.io/billing) page shows the split under the total, for example *Workflows 9,000 · Chat 500 · Phone 100 min × 3 credits*. How each run spends credits is on [Billing & credits](/product/billing-and-credits#how-credits-are-spent).

## Your bill so far

The **Usage billing** or **Overage billing** card on the [**Billing**](https://dashboard.neoagent.io/billing) page shows the month so far:

* **Usage billing**: your billed credits and the estimated charge.
* **Overage billing**: your included credits, the credits you used, the credits above your allowance and the estimated overage charge.

The estimate is before tax and refreshes every few minutes. If the mode started partway through a month, the card counts from that day.

## The monthly cap

Your agreement can set a cap: the most billed credits you can use in one calendar month. When you have one, the card shows how far into it you are.

* **At 80% of the cap**, the workspace admins get one email that month, and every dashboard page shows a banner you can dismiss.
* **At 100% of the cap**, new agent and workflow runs stop until the cap resets on the 1st of the next month at 00:00 UTC. The dashboard banner stays until then. A refused run shows: *"Monthly credit cap reached. Your account has used its cap of N credits for this month, so new runs are paused until the cap resets."*

## When the invoice comes

On the 1st of each month Neo sends one invoice for the month before, priced at the rate in force on each day of it. It is charged to the card on file.

## Changing your rate, allowance or cap

Your Neo account team sets the mode, the rate, the included credits and the cap. Contact them to change any of them. The dashboard and the [Neo API](/developers/introduction) can read these figures but not change them: `GET /public-api/billing/metered` returns the same numbers as the card.


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