Wallet and billing: prepaid credits, top-ups, auto-recharge

Call2Me bills via a prepaid wallet. You add credits, you spend them on voice minutes and chat messages, you top up when you're low. No contracts, no monthly minimums, no surprise invoices.

Where it lives

The wallet is at the workspace level — not per-user, not per-agent. Every call placed by every member of the workspace draws from the same balance.

View it: dashboard → top-right → Wallet, or via API:

Copycurl https://api.call2me.app/v1/wallet \
  -H "Authorization: Bearer YOUR_API_KEY"

Returns:

Copy{
  "balance_usd": 47.23,
  "currency": "USD",
  "auto_recharge": {
    "enabled": true,
    "threshold_usd": 20,
    "topup_usd": 100
  }
}

Topping up

Three ways:

1. Dashboard — Wallet → Add Funds → enter amount → pay via Paddle
2. API — POST /v1/wallet/topup with an amount and a payment-method ID
3. Auto-recharge — fires automatically when balance crosses your threshold

For one-off top-ups, the dashboard is the path of least resistance.

Auto-recharge

The setup that prevents campaigns from stopping mid-run:

• Threshold: when balance drops below this, recharge fires
• Top-up amount: how much to add each time
• Card on file: required for auto-recharge to work

Setting threshold to ~10% of your weekly burn rate is typical. Setting it too low risks campaigns hitting 402; setting it too high front-loads spend you might not need.

Disable any time from Wallet → Auto-recharge → off.

Where charges show up

Every billable event creates a wallet transaction:

The dashboard's Wallet → Transactions view shows every event with the call/chat/number it ties to.

What 402 Payment Required actually means

When you place a call (POST /v1/calls) or start a campaign and the wallet is below the per-call buffer, the platform returns:

CopyHTTP/1.1 402 Payment Required
{
  "error": {
    "code": "insufficient_balance",
    "message": "Wallet balance below minimum to start call",
    "balance_usd": 0.05,
    "required_usd": 0.20
  }
}

Top up, then retry. If auto-recharge is enabled, this should be rare.

The free credit

New workspaces get $10 in credits at signup. That's roughly:

• 100 minutes of voice base ($0.10/min)
• 50 minutes of voice + telephony + recording combined
• 1,000 chat messages

Use the credit to test, then add a payment method and top up when you're ready for production.

What's next

• Pricing — what each minute and message actually costs
• Errors & rate limits — 402 retry semantics
• Calls — the per-call cost calculation