Phase 1 billing is per organization. All apps in a workspace share organization_balances. The ledger is organization_credit_ledger; app_id on entries is attribution only.

Organization pool

When App A verifies a phone, credits are held/captured from the org pool — not a separate app wallet.

Account access vs plan

Account access (trial_outcome) is separate from your subscription/plan. Test keys (pk_test_/sk_test_) and live keys (pk_live_/sk_live_) both use real gateways and consume credits. Account access controls free trial credits and pending review — not whether test keys work.

• Register → verify email → risk evaluation → FULL_TRIAL or SANDBOX_ONLY (no free trial credits)
• Trial credits are granted after email verification — not when you create an app
• SANDBOX_ONLY: no free trial credits; pk_live_ works when the org has balance
• Subscribe to a plan or top up for ongoing credits regardless of trial outcome

Recharge

• Dashboard → Billing → Top up credits tab → create request → submit proof + reference
• Admin approves → CREDIT ledger entry linked to recharge_request
• Credit rate from platform config (billing.recharge), not hardcoded

Subscribe to a plan

• Dashboard → Billing → Subscribe to plan tab (or Pricing → choose plan → /dashboard/billing?plan=…)
• Pick a billing package + payment method → create subscription request → pay manually → upload proof + transaction reference
• Admin approves → package credits granted to org pool, app subscription activated, plan updated
• Same manual review flow as recharge; fulfillment uses app_subscriptions + org ledger

Ledger types

CREDIT, HOLD, RELEASE, CAPTURE. View org ledger: GET /v1/organizations/:id/billing/ledger.

Legacy app billing API

GET /v1/apps/:id/billing returns org balance for the app's organization (compatibility shim).

Dashboard

• Developer: /dashboard/billing — org balance, subscribe to plan, top-up credits
• Admin: /admin/billing — trial/abuse, payment methods, recharge queue, subscription request queue