Billing

Billing is the central hub for managing your Myra subscription, tracking usage-based costs, and handling financial documentation. Whether you are a solo entrepreneur or a large agency, understanding how billing works ensures uninterrupted service and clear financial reporting.

Where to find it

Navigate to Settings → Billing. Access is strictly controlled; only the workspace owner and users with the specific billing permission can view or modify these settings. This protects sensitive financial data and prevents unauthorized plan changes.

Plans and Subscriptions

Myra offers three tiered plans designed to scale with your business:

• Starter - up to 3 sub-accounts and 5 users per sub-account.
• Growth - up to 25 sub-accounts and 15 users per sub-account.
• Scale - unlimited sub-accounts and users.

Each plan bundles a base set of features, a monthly allowance of included usage, and a per-plan price.

Managing Your Plan

• Upgrading: You can upgrade your plan at any time. The new features become available immediately, and the price difference for the remainder of the billing cycle is prorated.
• Downgrading: Downgrades take effect at the end of your current billing period. You will retain access to your current plan features until the cycle resets.
• Add-ons: Some specific high-capacity features (like extra storage or advanced AI models) can be added to your plan as permanent monthly line items.

Usage-based Items

Beyond your base subscription, certain high-volume features are billed based on actual consumption. This "pay-as-you-go" model ensures you only pay for what you use.

• SMS & MMS: Billed per message segment. Rates vary significantly by the destination country and the type of number used (e.g., local vs. toll-free).
• Calls: Billed per minute for both inbound and outbound calls. Calls are rounded up to the nearest minute.
• AI Tokens: Charged based on the complexity and length of processing. This includes AI-drafted emails, call transcriptions, image generation, and automated database analysis.
• Storage: While every plan includes a generous storage allowance, exceeding this limit for call recordings, high-res assets, or large file uploads incurs a per-GB monthly fee.

Live Usage Monitoring

The Usage Dashboard provides a real-time breakdown of your current month's spend. It includes:

• Category Breakdown: See exactly how much is spent on SMS vs. AI.
• Forecasting: An AI-driven estimate of your total end-of-month bill based on current trends.
• Historical Data: View usage graphs for the past 12 months to identify seasonal trends.

For platform administrators, the SaaS finance overview imports provider usage totals in USD and includes carrier/pass-through fees from the provider ledger, so the overall phone spend reconciles to the provider account quickly even when detailed usage rows are delayed or rate-limited. Detailed records are then matched back to the relevant agency or sub-account wherever the phone number can identify the account; matched usage can be billed from the same exact cost basis, while unmatched carrier costs still remain in total platform cost.

Payment Methods and Top-ups

Myra supports multiple payment options to ensure your account remains in good standing.

• Credit/Debit Cards: We accept all major cards (Visa, Mastercard, AMEX).
• Direct Debit: Available for UK and EU customers for more predictable recurring payments.
• Default Method: You can store multiple cards but must designate one as the 'Primary' for automated renewals and overages.
• Balance Top-ups: For usage-heavy accounts, you can "top-up" a credit balance in USD. Usage charges are deducted from this balance first. You can set an Auto-Top-up rule (default: "Add $40 when balance falls below $8 / ~$10") to prevent service interruption for SMS or AI tools.

Prepaid telephony balance

Every agency holds a prepaid telephony balance used for calls, SMS and number rentals.

• Every call/SMS deducts from the balance in real time, priced in USD cents from the exact carrier usage record or the synced country/message rate.
• A minimum balance is configurable per agency. When the balance drops below the minimum, the platform attempts an off-session auto-recharge using your default card on file.
• A 5-minute background job re-checks low balances; the Stripe webhook is the only place that credits the balance, so credits are always recorded against a real payment.
• All balance changes are written to an immutable ledger with idempotency keys, so the same usage record or Stripe event can never double-count.
• If auto-recharge fails three times in a row the agency is suspended for outbound calls/SMS (inbound stays live). Top up manually from the Billing page to restore service.

You can change the minimum, the top-up amount, or disable auto-recharge from Billing → Telephony balance.

Invoices and Transparency

Transparency is key to business management. Every transaction-whether a monthly subscription or a small top-up-generates a formal invoice.

• Custom Details: You can configure your billing profile to include your registered company name, VAT/tax ID, and legal address. These details are applied to all future invoices.
• Bulk Export: Download all invoices for a financial year in a single ZIP file for your accountant.
• Billing Notifications: Designate a specific email address (e.g., finance@yourcompany.com) to receive all billing alerts and PDF invoices automatically.

Agency and Sub-account Billing

Agencies have unique requirements for managing multiple clients. Myra provides two primary models:

1. Absorb Costs: The agency pays for all sub-account usage. This is ideal if you charge clients a flat monthly retainer that includes their CRM usage.
2. Re-billing (Markup): You can choose to pass usage costs through to your sub-accounts. Agencies can add a percentage markup (e.g., 20%) to SMS and AI costs, creating an additional revenue stream. Sub-account owners will only see their own usage data and the price you have set.

Common Pitfalls & Best Practices

• Failed Payments: If a primary payment method fails, we will retry three times over 7 days. If payment is still not received, usage-based features (like SMS) are suspended first, followed by dashboard access.
• Setting Limits: To avoid "bill shock," set a monthly usage cap in the billing settings. Once reached, usage-based services will pause until the next cycle or until you manually increase the limit.
• Currency Conversion: While we support multiple currencies, our base rates are in $ USD. If you pay in USD or EUR, the final amount may fluctuate slightly based on market exchange rates at the time of the transaction.

FAQs

Can I get a VAT receipt? Yes, all invoices generated for UK/EU businesses include a valid VAT breakdown, provided you have entered your VAT number in the Billing Profile.

What happens if I cancel mid-month? You will retain access to the platform until the end of your current paid period. We do not offer partial refunds for mid-month cancellations.

Is my payment data secure? Absolutely. Myra does not store your card details on our servers. All payment processing is handled by Stripe, a PCI-DSS Level 1 compliant provider.

Live phone pricing (per country)

Your Payments & Usage page now includes a Telephony pricing card with up-to-date per-country prices for:

• Phone numbers in Ireland, the UK, the US, and Canada (one-time setup + monthly rental, per number type: Local, Mobile, National, Toll Free, Shared Cost)
• Calls ($ per minute, with country-specific rates)
• SMS and MMS ($ per segment, by number type and direction)

These prices are refreshed from our carrier nightly and shown in USD for Telnyx-backed usage so carrier spend matches the provider bill exactly.

How we keep billing accurate

• Carrier prices are refreshed daily for Ireland, the UK, the US, and Canada and stored in your dashboard; exact carrier usage records are used whenever available.
• Every balance change — top-ups, auto-recharges, usage debits — is recorded on an audit ledger you can review.
• If an auto-recharge card payment fails three times in a row, calling and SMS pause until you update your card; we never silently overdraw your balance.
• You can export a CSV of any month's usage from your Payments & Usage page.

Per-sub-account telephony billing

By default your agency pays for every sub-account's calls, SMS and phone numbers from your agency wallet. If you want a sub-account to pay for its own telephony, open that sub-account in your agency, go to Settings → Telephony billing, and switch on "Sub-account pays for its own telephony".

When this is on for a sub-account:

• The sub-account's owner sees a Billing tab in their own Settings where they add a card, top up, and turn on auto-recharge.
• Their calls and SMS only stop when their own wallet runs out — your agency and every other sub-account keep working as normal.
• Top-ups, auto-recharge, low-balance alerts and suspension all work the same way as the agency wallet, just scoped to that sub-account.

You can switch it back to agency-paid at any time without losing the sub-account's balance.