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

# Deposits & Balance

> Add funds and manage your agent balance

## Overview

Your **credits balance** is the pool of funds your agents can spend on paid MCP tools. When a tool is called, its price is deducted from your balance.

## Viewing Your Balance

Go to **Wallet** in your dashboard to see:

* **Current balance** - Available credits in USD
* **Recent transactions** - Charges and deposits
* **Spending trends** - Usage over time

## Adding Funds

<Note>
  Deposits are coming soon. During beta, contact [cheng@payo.dev](mailto:cheng@payo.dev) to add credits to your account.
</Note>

Once available, depositing will work like this:

<Steps>
  <Step title="Go to Wallet">
    Navigate to **Wallet** in your dashboard.
  </Step>

  <Step title="Click Deposit">
    Click the **Deposit** button.
  </Step>

  <Step title="Enter amount">
    Enter the USD amount you want to deposit (minimum \$5).
  </Step>

  <Step title="Complete payment">
    Pay via credit card or bank transfer.
  </Step>
</Steps>

Credits are added instantly after payment confirmation.

## Understanding Charges

Each tool call deducts its price from your balance:

| Tool              | Price  | 100 calls |
| ----------------- | ------ | --------- |
| `get_weather`     | \$0.01 | \$1.00    |
| `analyze_image`   | \$0.05 | \$5.00    |
| `generate_report` | \$0.10 | \$10.00   |

Free tools (price = \$0) don't affect your balance.

## Transaction History

Your wallet shows all transactions:

```
-$0.05  get_forecast        WeatherAPI    2 min ago
-$0.01  get_weather         WeatherAPI    5 min ago
-$0.02  analyze_sentiment   TextAPI       1 hour ago
+$50.00 Deposit             -             Yesterday
```

Each entry includes:

* **Amount** - Positive for deposits, negative for charges
* **Tool/Type** - What the charge was for
* **Provider** - Who received the payment
* **Time** - When it occurred

## Low Balance Warnings

When your balance drops below \$1.00, you'll see a warning in your dashboard.

If your balance reaches \$0, tool calls will fail with `INSUFFICIENT_BALANCE`.

<Tip>
  Set up a reminder to check your balance weekly, or deposit larger amounts less frequently.
</Tip>

## Budgeting

To estimate monthly costs:

1. **Identify tools you use** - List the MCP tools your agent calls
2. **Check their prices** - Ask the provider or check their docs
3. **Estimate call volume** - How many calls per day/week?
4. **Calculate**: `calls × price = cost`

**Example:**

* 1,000 weather calls/day × $0.01 = $10/day = \$300/month
* 100 analysis calls/day × $0.05 = $5/day = \$150/month
* **Total**: \~\$450/month

## FAQs

<AccordionGroup>
  <Accordion title="What happens if my balance goes negative?">
    It can't. Payo checks your balance before each tool call. If you don't have enough, the call fails with `INSUFFICIENT_BALANCE`.
  </Accordion>

  <Accordion title="Can I get a refund?">
    Contact [cheng@payo.dev](mailto:cheng@payo.dev) for refund requests. Unused credits can typically be refunded within 30 days of deposit.
  </Accordion>

  <Accordion title="Do credits expire?">
    No, credits don't expire. Your balance remains until spent.
  </Accordion>

  <Accordion title="Can I set spending limits?">
    Coming soon. We're working on daily/monthly limits and alerts.
  </Accordion>
</AccordionGroup>