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

# Minute balances & transfers

> The prepaid minute ledger, transfers, and admin adjustments

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.

<Note>
  Balances are minutes, not money. Pricing (what a minute costs whom) lives in [plans](/admin/plans-and-limits) and the [billing rules](/billing/minutes).
</Note>