# Wallet & Billing (/docs/concepts/wallet-billing)



Layers billing has two sides:

1. **Layers subscription** — your plan, seats, and generation credits.
2. **Ad-spend wallet** *(agency mode only)* — funds used to pay the ad
   platforms on your behalf.

## Subscription [#subscription]

The subscription covers:

* **Seats** — active members across your Organization.
* **Projects** — each active Project counts against plan limits.
* **Generation credits** — pooled across all Projects in the Org.
  AI-generated images, videos, and copy each consume credits.
* **Platform fee (agency mode)** — a percentage markup applied to ad spend.
* **Usage allowances** — workflow runs, SDK events, media storage.

See [Billing & invoices](/docs/organizations/billing) for plan tiers and the
checkout flow.

## Credits [#credits]

Credits are the unit Layers meters AI-generation work in. Each workflow
declares a credit cost on its layer template's default config. Current
defaults for Social Content generation:

| Generation         | Default credits |
| ------------------ | --------------- |
| Video (short-form) | 120             |
| Slideshow          | 50              |

Actual costs may differ per template — check the template's default
config or the layer's **Billing** tab. At the end of each Stripe billing
period,
used credits reset to 0 and overage credits (above your plan's included
allowance) are billed via Stripe.

## The wallet [#the-wallet]

In **agency mode**, Layers operates a wallet on your Org. You fund it via:

* Card on file (top up any amount).
* ACH / wire (for enterprise plans).
* Auto-top-up when balance drops below a threshold.

Layers spends the wallet on ad platforms for you:

1. When the optimizer launches or scales an ad, Layers charges the platform
   with Layers' Business Center credentials.
2. The platform bills Layers, and Layers debits your wallet for the exact
   amount + the platform fee.
3. You get a consolidated invoice — one bill instead of three platform bills.

If wallet balance runs low, agency-mode ads are paused and you're notified.
Top up (card, ACH, or enable auto-top-up) to resume spending.

## Invoices [#invoices]

Invoices are generated monthly on your billing anniversary. Each invoice lists:

* Subscription charge for the month.
* Generation credits consumed (line item per project).
* Wallet debits (ad spend + platform fee) per platform per project.
* Layers usage (workflow runs, SDK events if over allowance).

Download as PDF or CSV from **Org → Billing → Invoices**.

## BYO billing [#byo-billing]

In BYO mode, you pay the platforms directly — the wallet and platform fee
don't apply. You still pay the Layers subscription, but Layers takes no
percentage of your ad spend. See [Agency vs BYO](/docs/concepts/agency-vs-byo).

## Refund policy [#refund-policy]

* **Subscription refunds** — prorated if you downgrade mid-cycle.
* **Unused credits** — reset at the start of each billing period (plan
  allowance does not accumulate).
* **Wallet balance** — contact support for wallet refunds / withdrawals.

Contact [support@layers.com](mailto:support@layers.com) for enterprise-specific billing arrangements.