# Billing and Wallets emSigner follows a hybrid billing model that combines subscription plans based on users and envelopes with a prepaid wallet for third-party and value-added services. User and envelope plans define core platform usage, while the wallet is used for services such as SMS and WhatsApp notifications, eStamping and stamp duty, Aadhaar-based and other remote eSignature services, digital and cloud signature providers, qualified signatures (eIDAS), and identity verification services, depending on the customer’s configuration and enabled integrations. Subscription counters and wallet balances operate independently and are tracked in real time. Wallet charges are applied based on actual consumption using default or customer-specific pricing. Any unused wallet balance may be refundable upon subscription termination, subject to applicable contractual terms. --- # 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://support.emsigner.com/key-concepts/billing-and-wallets.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.