# Credit and billing

Iflow charges in two parts: a monthly fee for your [subscription level](/docs/account/subscription-levels/), and a charge for each message part sent and each reply received. Prices exclude VAT. See the [pricing page](/pricing/) for the current rates in your country.

## What's charged

| Item | Charged |
|------|---------|
| SMS sent | Per [message part](/docs/reference/sms-message-parts/), at your country's rate. Lower rates apply at higher volumes |
| SMS sent abroad | Per message part, at the destination country's rate |
| Reply received | Per reply |
| Own reply number | Per month, where offered |
| Subscription | Per month, by level |
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There are no set-up fees and no minimum term.

## Credit and limits

An account needs enough credit to cover the messages it sends. These limits can stop a message being sent:

| Code | Reason |
|------|--------|
| `9106` | The account didn't have enough credit |
| `9107` | Sending would have exceeded the account's daily budget |
| `9111` | The account's monthly credit limit has been reached |
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Daily budgets and monthly credit limits protect you from sending more than you meant to, for example if a system starts sending in a loop.

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## Related

- [Subscription levels](/docs/account/subscription-levels/)
- [Sending to a large list](/docs/sending/bulk-sending/)
- [Status and error codes](/docs/reference/sms-status-codes/)

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Source: https://iflow.net/docs/account/credit-and-billing/