# How Billing and Wallet works

### Billing and Wallet Management in emSigner

#### Overview

emSigner uses a **hybrid billing model** that combines **subscription-based counters** with a **prepaid wallet system**. This approach provides flexibility for predictable usage (such as users and envelopes) while enabling pay-as-you-go consumption for value-added and third-party services.

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### Subscription Counters

#### User-Based Counters

User-based subscriptions are measured by the number of **active users** enabled on the platform.

* Only users who are enabled and can log in are counted.
* Deactivated users are excluded from billing.
* User counters reset or renew based on the subscription term.

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#### Envelope-Based Counters

Envelope-based subscriptions are measured by the number of **envelopes** sent for signature.

* An envelope represents a document or set of documents sent to one or more recipients.
* Envelope counters are consumed when an envelope is created and sent.
* Envelope usage is tracked in real time and reflected in subscription usage reports.

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### Wallet-Based Billing

#### emSigner Wallet

For services not covered under subscription counters, emSigner maintains an **internal wallet**.

* The wallet operates on a **prepaid balance** model.
* Wallet balance is consumed based on actual service usage.
* Administrators can monitor wallet balance and transaction history.

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#### Services Charged via Wallet

The wallet is used for billing the following categories of services:

* **Third-party eSignature services**
* **Qualified Electronic Signature (QES) providers**
  * European Union Qualified Trust Service Providers
  * India-based Qualified Electronic Signature services
* **Messaging services**
  * SMS notifications
  * WhatsApp notifications
* **eStamping services**
  * Government or authorized eStamping providers

Each usage event deducts the applicable amount from the wallet in real time.

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### Pricing Model

#### Default Pricing

emSigner maintains **default price points** for all wallet-based services, which apply unless otherwise agreed.

* Pricing is defined per transaction, message, or signature event.
* Charges are applied automatically upon service consumption.

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#### Customer-Specific Pricing

For enterprise customers, **custom pricing** may be configured based on:

* Expected or committed volumes
* Geographic scope
* Service mix (for example, QES + SMS + eStamping)

Customer-specific pricing overrides the default rates and is applied transparently during wallet deduction.

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### Wallet Recharge & Balance Management

* Wallets can be recharged through approved payment methods or invoicing arrangements.
* Low-balance alerts may be configured to avoid service interruptions.
* If the wallet balance is insufficient, wallet-based services may be temporarily unavailable until the balance is replenished.

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### Usage Visibility & Reporting

Administrators can access detailed reports that include:

* Subscription counter usage (users and envelopes)
* Wallet transaction history
* Service-wise consumption breakdown
* Applicable pricing per transaction

These reports support cost tracking, reconciliation, and audit requirements.

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### Important Notes

* Subscription counters and wallet balances operate **independently**.
* Consuming a wallet-based service does not affect user or envelope counters.
* Pricing changes or custom rate configurations require confirmation through emSigner support.

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#### Need Help?

For wallet recharges, pricing clarification, or enabling additional services, please contact your emSigner administrator or raise a request through the emSigner Support Portal.