Billing & Credits
Billing Overview
How credits and billing work on osmTalk.
osmTalk uses a usage-based credit system. You pay for what you use — no monthly subscriptions, no commitments.
Shared Credits with osmAPI
osmTalk and osmAPI share a single credit balance. Top up credits on either platform and spend them on both:
- osmAPI — LLM API calls (GPT, Claude, Groq, etc.)
- osmTalk — Voice AI calls (STT + LLM + TTS + telephony)
Your credit balance is displayed in the Billing page on both platforms.
How It Works
Top up ₹100 on osmTalk (or osmAPI)
↓
Balance: ₹100 (shared)
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Make a voice call on osmTalk → ₹8.13 deducted
Make an LLM call on osmAPI → ₹0.05 deducted
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Balance: ₹91.82What Gets Charged
Every voice call on osmTalk incurs costs for:
| Component | Description | Charged Per |
|---|---|---|
| LLM | AI responses (OpenAI, Anthropic, Groq) | Tokens used |
| STT | Speech-to-text transcription (Deepgram, Sarvam) | Minutes of audio |
| TTS | Text-to-speech synthesis (Deepgram, ElevenLabs) | Characters spoken |
| SIP | Phone line usage (telephony) | Minutes of call (phone calls only) |
Web and widget calls do not incur SIP charges — only phone calls do.
Balance Check
Before every call, osmTalk checks your credit balance. If your balance is below ₹1, the call is rejected with a 402 error. You'll need to add credits before making more calls.
Next Steps
- Credits & Pricing — See per-provider rates
- Top Up Credits — Add credits to your account