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

# Credits and minutes

> What uses credits, what uses Lusor Phone minutes, and what happens when either runs out.

Lusor bills two things:

| | What it pays for | Where it applies |
| - | - | - |
| **Credits** | The AI model the agent uses | Every agent session, on any phone, your own included |
| **Lusor Phone minutes** | Time on a Lusor Phone | Agent time on Lusor Phones, and direct control of a Lusor Phone with an API key |

Your plan includes a monthly amount of each. See [Pricing](https://lusor.ai/pricing) for the numbers, and **Settings → Billing** in the [Lusor app](https://app.lusor.ai) for your balance.

## Credits

Every agent session uses credits for the model's work. How many depends on the task and on the [model](https://docs.lusor.ai/agents/choose-a-model.md) you choose.

When your plan's credits run low, upgrade your plan or add a credit pack in **Settings → Billing**. Credits from a credit pack are used after your plan's credits.

## Lusor Phone minutes

Lusor Phone minutes count time on your workspace's Lusor Phones. They are shared by the whole workspace and reset every month.

* **Agent sessions on a Lusor Phone** use minutes for the time the agent works on the phone.
* **Direct control of a Lusor Phone with an API key** uses minutes too. Time is counted from your first action until 60 seconds after your last one. See [Direct phone control](https://docs.lusor.ai/phones/direct-control.md).
* **Your own phone uses no minutes.** Agent sessions on it still use credits for the model.

### Overages

When your workspace has used its included minutes, the **Overages** setting decides what happens:

* **On**: extra minutes are paid from your credits.
* **Off**: Lusor Phone time stops at your included minutes.

Overages are off by default on the Free plan and on by default on paid plans. Workspace admins change the setting on the plan card in **Settings → Billing**.

## When you run out

### Before a session starts

If the workspace has no credits left, Lusor refuses new work before it starts. Sending a turn, starting a session, sending a follow-up message or answering the agent returns `402`:

```json theme={null}
{
  "error": "credits_exhausted",
  "message": "This workspace is out of credits. Upgrade your plan or buy a credit pack to keep using agents.",
  "balance": 0,
  "tier": "free",
  "upgradeTo": "hobby"
}
```

`tier` is your current plan and `upgradeTo` the next one up.

A direct-control action on a Lusor Phone returns `402` `credits_exhausted` with `resource: "phone_minutes"` when the workspace is past its minutes and either has no credits left or has Overages off. The action is not sent to the phone.

### During a session

When a session starts, Lusor notes the workspace's credit balance. If the session's model cost reaches that balance, the session stops partway: its status becomes `failed` and its `error` is `credits_exhausted`.

To finish the work, add credits, then send the session a [follow-up message](https://docs.lusor.ai/agents/follow-up-messages.md) such as "Carry on where you stopped." The agent keeps what it did so far.

### A Lusor Phone without a paid plan

`402` with `error: "billing_required"` means the session's Lusor Phone is not covered by an active paid plan. Check your Phone plan in **Settings → Billing**.


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