Clients are billed for their phone and email usage through a wallet system, which can be topped up by either you or the client using a credit card, adding messaging credits to the wallet. Each action, like sending messages, making calls, or obtaining phone numbers, reduces the wallet balance. When a message is sent, the agency is charged by CRM, and the client's wallet is debited according to preset rebilling rates. For example, if a client sends 100 messages at a total cost of $10 and the rebilling factor is set to 5x, CRM bills the agency $10, while the client's wallet is charged $50. It's important to understand that when clients refill their wallets, their credit cards are charged, and the funds are transferred to the agency's Stripe account. Essentially, the client is paying the agency for messaging credits. You can manage a sub-account’s wallet by navigating to the sub-account, selecting settings, and going to the company billing section. There are several methods to recharge the wallet: 1. Automatic Wallet Recharge In the Company Billing > Credits section, you can configure automatic recharge settings. Here, you can specify the amount to be added to the wallet once the balance drops below a specified threshold. 2. Manual Recharge of Client's Wallet Using the "Add Balance" button in the Company Billing settings, you can manually add funds to the client’s wallet. This action charges the primary card saved in the Company Billing settings. 3. Monthly Complimentary Credits for SaaS Plans If a sub-account is enrolled in a SaaS plan, you can configure a monthly allocation of complimentary credits. These credits are added to the client’s wallet each month and can be modified based on the SaaS plan’s settings using the SaaS Configurator. Additionally, you can adjust the amount of complimentary credits for each sub-account individually. These settings can be accessed under Agency View > Accounts > View Details. 4. Adding Complimentary Credits from Agency View Through the Agency View > Accounts > View Details > Manage Credits, you can grant complimentary credits directly to the client’s wallet. These credits are not charged to the client, but the agency incurs the cost when the client uses them for messaging or calls.