# Wallet & Billing for Ads (/docs/paid-media/wallet-billing)



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](/docs/concepts/agency-vs-byo).

## Agency-mode wallet flow [#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]

[Top up the Org wallet](/docs/organizations/wallet) via card or ACH/wire.
Card is instant; ACH/wire is 1–3 business days.

## Auto-top-up [#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 [#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](/docs/organizations/wallet) — see that page
for what's currently exposed.

## Invoices [#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 [#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 [#refunds]

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