Wallet & Billing for Ads

In agency mode, Layers funds ad-platform spend from your Org wallet and bills you on a consolidated invoice. In BYO mode, you pay platforms directly. See Agency vs BYO.

Agency-mode wallet flow

[ You top up wallet ]
        ↓
Org wallet balance: $X
        ↓
Optimizer launches ad → calls Meta with Layers' BC creds
        ↓
Meta charges Layers
        ↓
Layers debits your wallet for the spend + platform fee
        ↓
Layers' next invoice rolls everything into one bill

Top-up

Top up the Org wallet via card or ACH/wire. Card is instant; ACH/wire is 1–3 business days.

Auto-top-up

Set a trigger threshold and a top-up amount. When balance drops below the trigger, Layers auto-charges your card and adds the top-up amount. Daily cap prevents runaway charges.

Wallet floor, forecast, and per-project allocation

Behaviors like an auto-pause floor, forecasted spend panel, and per-project attribution of wallet debits are part of the wallet UI surface on Org → Wallet — see that page for what's currently exposed.

Invoices

Layers' monthly invoice includes (at minimum): subscription, generation credits consumed, and a 5% platform fee applied to credit purchases (credit_pricing_config.platform_fee_percent). Line-item exactly what appears depends on your plan.

BYO billing

In BYO, the wallet doesn't apply. Platforms charge your card on file directly. Layers' invoice still includes:

• Subscription.
• Generation credits.
• Layers usage.

But no media-spend lines, no platform fees.

Refunds

• Subscription refunds — prorated on downgrade.
• Unused credits — non-refundable; roll over 90 days.
• Wallet balance — withdrawable to original payment method, less processor fees.