## How Pay As You Go billing works
Pay As You Go (PAYG) uses a prepaid calling-credit balance. You're charged 30p per minute of answered calls, drawn down from your balance - there's no monthly fee.
Getting started
When you switch to PAYG you add a card and buy your first £20 of credit (plus VAT). That also authorises your card for future top-ups, so things stay seamless.
> The 14-day free trial is the way to try RingDesk for free - PAYG is the paid, usage-based plan, so it starts with a credit purchase rather than free minutes.
Automatic top-ups
With automatic top-up on (the default), whenever your balance drops below £5 we add another £20 of credit (plus VAT) to your card. This means your agent keeps answering without interruption.
You can turn auto top-up off from Account → Calling credit. With it off, your agent pauses when the balance runs out and resumes as soon as you top up.
What happens if the balance runs out
- Calls already in progress are never cut off - they always finish.
- New calls are politely told the service is temporarily unavailable until you're back in credit.
Receipts and VAT
Every top-up is a proper VAT invoice - you'll get a receipt by email and can view all of them in your account. Prices are shown excluding VAT; VAT is added on top.
Seeing your balance and history
Go to Account → Calling credit to see your current balance, recent top-ups and call usage, and to toggle automatic top-up.
### Related articles
- Billing and usage: your minutes, charges and next invoice - Upgrading or downgrading your plan - Your agreements, order confirmations, and invoices - Cancelling RingDesk and removing call forwarding - Adding teammates and roles