Credits & Billing

Oktivo uses a credit-based billing system. Credits are consumed per minute of call time.

How Credits Work

Each agent has a cost_per_min value (credits consumed per minute of call time)
Call duration is rounded up to the nearest minute (a 45-second call costs 1 minute)
Credits are checked before a call is triggered if you don’t have enough, the call is rejected with a 402 error

Before triggering a call, the system verifies:

Your account has at least cost_per_min credits available (enough for 1 minute)
If using retry logic, credits are checked again before each retry attempt

If credits are insufficient, the API returns:

{
  "success": false,
  "message": "Insufficient credits",
  "available": 2.5,
  "required": 5.0
}

The billingDuration field on a call record shows the rounded-up duration used for billing:

Different agents can have different per-minute costs based on:

Check the agent’s cost_per_min in the dashboard to understand the rate.

If a call fails to connect (busy, no answer), minimal or no credits are consumed
Retried calls consume credits independently for each attempt
Cancelled calls (DELETE /api/v1/crm/calls/:contactUID) stop further credit consumption