# Agency vs Sub-Account Wallet {% embed url="" %} **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.
**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. * Agencies can add $1M in credit to a sub-account. * 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. * 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. * The agency must have an active balance to ensure all sub-accounts are working and active. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.stammer.ai/stammer.ai-docs/account-management/agency-wallet/agency-vs-sub-account-wallet.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.