> For the complete documentation index, see [llms.txt](https://docs.stammer.ai/stammer.ai-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.stammer.ai/stammer.ai-docs/account-management/agency-wallet/agency-vs-sub-account-wallet.md).

# Agency vs Sub-Account Wallet

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**For each AI message sent there are two charges.**

1. **The first charge** is to the Agency's wallet balance for the amount Stammer.ai charges per message depending on the AI model used. *This per message cost can be avoided entirely for users on the Full SaaS Mode plan who connect their OpenAI API key and get billed directly.*
2. **The second charge** is to the sub-account's wallet balance for the amount that the Agency sets as their cost per message depending on the AI model used.<br>

<figure><img src="/files/AkRrP66Xo9ea4OZ54Pv8" alt=""><figcaption></figcaption></figure>

**When a sub-account's wallet balance goes to $0** (or below the threshold set), the sub-account's credit card will be charged. This CC charge will be new revenue sent directly to the Agency's connected Stripe account.

**When the Agency's wallet balance goes to $0** (or below the threshold set), the Agency's credit card will be charged by Stammer AI for the amount the Agency has set.

There's an **infinite money glitch!** I can add $1M or unlimited money to my sub-accounts!

* This is not a glitch. Agencies and sub-accounts are billed through usage.&#x20;
* Agencies can add $1M in credit to a sub-account.&#x20;
* If that sub-account sends $1M worth of messages, the sub-account's wallet balance will be reduced by $1M, but sub-account's credit card wont be charged.&#x20;
* This means the agency won't be making any profit on that $1M of credit because the agency's wallet balance will be reduced incrementally over the $1M worth of messages and eventually will run out of credit at which point the agency's credit card will be charged to maintain a balance.&#x20;
* The agency must have an active balance to ensure all sub-accounts are working and active.