How do I fund my account?

Your wallet lives in your dashboard. You add credit with a debit or credit card, and your first top-up turns pay as you go on straight away. Every top-up and every charge shows in your wallet as it happens.

What is the smallest and largest top-up?

The smallest single top-up is £19.98 and the largest is £500, ex VAT. The ceiling only protects you from a mistyped amount; there is no limit on the balance you build up over time.

Which calls am I charged for?

Voco only charges for calls that last 10 seconds or more. Calls under 10 seconds are not charged. Longer calls are billed by the second, so a typical thirty-second call costs about 15p.

When is my card charged?

Your card is charged when you top up, either by hand or when auto top-up fires. There is no separate monthly invoice; calls draw down the credit you have already loaded.

Can I switch to a monthly plan later?

Yes. You can move to a monthly plan whenever your call volume makes it better value, and any credit left in your wallet stays on your account.

Pay as you go · part of Voco pricing

A pay as you go AI receptionist with no monthly fee

Q: Does my credit expire?

No. Your credit does not expire while your account is open, so what you load stays yours to use.

Voco pay as you go costs about 29p a minute for a typical call, ex VAT, billed by the second, with no monthly fee, no contract and no minimum spend. You load credit from £19.98 and only pay for the calls you get, so a quiet month costs very little and a silent month costs nothing.

Start with £19.98 of credit Estimate your spend

Every feature included. Credit does not expire while your account is open.

A customer tapping a card on a payment reader at a counter — Wallet balance£19.19
Top-upCard ending 4242+£19.98
Call, 1m 42sBoiler not firing, booked-49p
Call, 38sPrice question, answered-18p
Web chatWeekend question, answered-12p
Text to customerBooking link sent-8p
Call, 2m 10sBurst pipe, put through-63p
Call, 8sHung up, not charged0p

What it costs

What does a call cost on pay as you go?

A call on Voco pay as you go costs about 29p a minute for a typical call, ex VAT, billed by the second, so a two-minute call costs about 58p and calls under 10 seconds cost nothing.

30 seconds15pA short question, answered
2 minutes58pA typical trades call
2 minutes 10 seconds63pBilled by the second
Under 10 secondsFreeHang-ups and wrong numbers
Text to a customer8pA booking link or reminder
Web chat or WhatsApp12pPer typical conversation

Estimate

Is pay as you go cheaper for my business?

Pay as you go is cheaper for most businesses taking fewer than about 32 calls a week. Above that, a monthly plan from £49 usually costs less, and you can switch at any time without losing your credit.

Compare monthly plans

Calls a week8

Pay as you go£12a month, no monthly fee

Starter£49a month on the cheapest plan

Pay as you go is cheaper for you About 43 minutes a month for a typical call of 75 seconds, ex VAT.

How it works

How does pay as you go work?

You load credit, Voco answers every call and charges it by the second, and you top up by hand or automatically.

01
Load your credit
Add credit with a debit or credit card, from £19.98 up to £500 a time, ex VAT.
02
Every call answered
Voco answers every call, day and night, and texts you a summary.
03
Charged by the second
29p a minute, billed by the second. Every charge shows in your wallet as it happens.
04
Top up, or let it top up
Top up by hand, or switch on auto top-up so your balance refills before it runs low.

Your balance

What happens when my balance runs low?

Voco warns you when your balance is low, and auto top-up refills it before it runs out. Without auto top-up, new calls stop shortly after the balance reaches zero, until you add credit.

Balance getting low
A banner in your dashboard and a notification, so a top-up is never a surprise.
Auto top-up on
Your saved card refills your wallet before it runs out, and your line stays live.
Auto top-up off, balance at zero
A small grace amount keeps you answering briefly. After that, new calls stop until you add credit. Nothing is deleted, and answering restarts as soon as you top up.

Is there an AI receptionist with no monthly fee?

Yes. Of the UK providers publishing prices as of 19 September 2026, every other entry-level option is a monthly subscription.

Monthly fee before a call is answered
Provider	Monthly fee	Note
Voco	None	29p a minute, billed by the second
Moneypenny	From £25 a month	AI receptionist entry plan
JAM	From £35 a month	Human PAs
AnswerConnect	From £45 a month	Plans shown after a form
Face for Business	From £49 a month	Real PAs

Entry prices as published by each provider, checked 19 September 2026.

Full guide

Pay as you go in detail

Who pay as you go suits, what a month really costs, and what happens to your credit, in plain terms.

On this page

Who is pay as you go for?

Pay as you go suits an unpredictable call pattern: a sole trader, a new business testing the water, or seasonal work where some months are far busier than others. You get the same full receptionist as every plan; only the way you pay changes.

Once you take more than about 32 calls a week, a monthly plan works out cheaper. You can switch whenever you like, and any credit left stays on your account.

What does a month cost? A worked example

Take a business with 60 calls a month, averaging 2 minutes each:

Calls in a month60

Average call2 minutes

You pay, ex VAT£34.80

That is 120 minutes at about 29p a minute, billed by the second. A quiet month costs proportionally less, and a month with no calls costs nothing.

What happens to my credit if I close my account?

Your credit does not expire while your account is open, so what you load stays yours to use. If you decide to close your account, email hello@vocohq.co.uk and the team will sort out any unused balance with you.

Questions about pay as you go

Something else? Ring 0333 043 6661 and ask Voco directly.

Other ways to pay

Monthly plans from £49 Web chat plans from £19 Back to pricing

Answers at 2am. Doesn't ask for overtime.

Hear Voco answer a call

Ring 0333 043 6661 and talk to Voco now, or set up your own AI front office today.

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A pay as you go AI receptionist with no monthly fee

What does a call cost on pay as you go?

Is pay as you go cheaper for my business?

How does pay as you go work?

Load your credit

Every call answered

Charged by the second

Top up, or let it top up