Minute balances & transfers - OurAiCalling

Calling time is prepaid: every user carries a minute balance, and calls draw from it. Under the hood, a transaction ledger is the source of truth — every change to a balance is a recorded transaction.

How balances change

Transaction type	What it is
`plan_included`	Monthly included minutes credited when a plan invoice is paid
`purchase`	A one-off minute top-up purchase
`call_usage`	Deduction for call minutes (including carrier surcharges)
`transfer`	Minutes moved between two users
`admin_adjust`	Manual correction by an admin (can be negative)

Each entry records who created it, an optional note, the counterpart user (for transfers), and the related call (for usage) — a full audit trail.

Transfers

Tenant admins can transfer minutes from their own balance to their tenant’s users — the standard way agencies provision customer accounts.
Platform admins can transfer to or adjust the balance of any user, including negative adjustments.

Transfers are instant and appear in both users’ ledgers with matching entries.

Top-ups

Users buy additional minutes via top-up packages through the billing checkout. The credit lands as a purchase transaction as soon as payment is confirmed — idempotently, so a repeated webhook never double-credits.

Where to see it

Users — every user page shows the current balance, usage over the last 30 days, and lifetime spend, with a Balance action for transfers/adjustments.
Usage — end users see their own consumption per day and per call in the Usage area.

Balances are minutes, not money. Pricing (what a minute costs whom) lives in plans and the billing rules.