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# Account and billing

> Credits and payment, reading costs, organizations and member roles, security settings, notifications and alerts, and taking your data out or closing the account.

Two kinds of thing live here. **Billing** is about the account's money: topping up, cards, auto-recharge, and understanding where every cent went. **Settings** is about the people and the protection: who's a member and what they can do, how you sign in, what you're told about, and how to leave with your data.

A quick orientation to the model, because it affects where things are:

* A **user** is a person who signs in. A user can belong to several accounts and switches between them.
* An **account** owns everything operational: flows, numbers, contacts, calls, and the credit balance. API keys are per account.
* An **organization** is a team that owns an account and has **members** with roles. A personal account has no organization; create one when a second person needs access.

#### [Credits and payment](/account/credits-and-payment)

Top up, manage cards, set up auto-recharge, and what happens when a payment fails.

#### [Cost breakdown](/account/cost-breakdown)

Charge history and export, per-call costs, AI Decisions; finding what drives your bill.

#### [Organizations](/account/organizations)

Team ownership of an account, and what an organization changes.

#### [Members and roles](/account/members-and-roles)

Owner, Admin, Member, Agent — the Team page and inviting people.

#### [Security](/account/security)

Profile and verification, password, two-factor authentication, sessions, ad measurement.

#### [Passkeys and Sign in with Apple](/account/passkeys-and-sign-in-with-apple)

Sign in with Touch ID, Face ID or a device PIN, or with your Apple ID.

#### [Notifications](/account/notifications)

What Talkif tells you about, the balance warning, and alert rules.

#### [Data export and deletion](/account/data-export-and-deletion)

Take everything out as JSON; close the account with a read-only grace period.