more restructure

learn/billing/billing-limits.mdx

@@ -0,0 +1,28 @@
+---
+title: "Billing Limits"
+sidebarTitle: "Billing Limits"
+description: "Set billing limits on your Vapi account."
+---
+
+You can set billing limits in the billing section of your dashboard.
+
+<Note>
+  You can access your billing settings at
+  [dashboard.vapi.ai/billing](https://dashboard.vapi.ai/billing)
+</Note>
+
+### Setting a Monthly Billing Limit
+
+In your billing settings you can set a monthly billing limit:
+
+<Frame>
+  <img src="/static/images/learn/billing/billing-limits.png" />
+</Frame>
+
+### Exceeding Billing Limits
+
+Once you have used all of your starter credits, or exceeded your set monthly usage limit, you will start seeing errors in your dashboard & via the API mentioning `Billing Limits Exceeded`.
+
+<Frame caption="Once you have gone over on your monthly billing limits, the API & dashboard will throw billing-related errors.">
+  <img src="/static/images/learn/billing/billing-limits-exceeded.png" />
+</Frame>

learn/billing/cost-routing.mdx

@@ -0,0 +1,47 @@
+---
+title: "Cost Routing"
+sidebarTitle: "Cost Routing"
+description: "Learn more about how your Vapi account is billed for provider expenses."
+---
+
+<Frame caption="Provider expenses can either end up provider-side, or at-cost in your Vapi account.">
+  <img src="/static/images/learn/billing/cost-routing.png" />
+</Frame>
+
+During calls, requests will be made to different providers in the voice pipeline:
+
+- **transcription providers:** providers conducting speech-to-text
+- **model providers:** LLM providers
+- **voice providers:** providers conducting text-to-speech
+- **telephony providers:** providers like [Twilio](https://www.twilio.com)/[Vonage](https://www.vonage.com) that facilitate phone calls
+
+<Info>
+  Per-minute telephony costs only occur during inbound/outbound phone calling. Web calls do not
+  incur this cost.
+</Info>
+
+## Where Provider Costs End-up
+
+There are 2 places these charges can end up:
+
+1. **Provider-side:** in the account you have with the provider.
+2. **With Vapi:** in your Vapi account.
+
+### Provider-side Billing
+
+If we have [provider keys](/provider-keys) on file for a provider, the cost will be seen directly
+in your account with the provider. Vapi will have made the request on your behalf with your provider key.
+
+No charge will be made to your Vapi account.
+
+### Billed with Vapi
+
+If no key is found on-file for the provider, Vapi will make the API request itself (with Vapi's own keys, at Vapi's expense). This expense is then passed on [**at-cost**](/glossary#at-cost) to be billed directly to your Vapi account.
+
+No charge will show up provider-side.
+
+## Billing That "Just Works"
+
+The central idea is that everything is designed to "just work". Whether you are billed provider-side, or on Vapi's side, you will never be charged with any margin for provider fees incurred during calls.
+
+All operational costs would have been incurred anyway.

mint.json

@@ -142,7 +142,8 @@
         {
           "group": "Billing",
           "pages": [
-            "learn/billing/overview",
+            "learn/billing/cost-routing",
+            "learn/billing/billing-limits",
             "learn/billing/estimating-costs",
             "learn/billing/examples"
           ]

pricing.mdx

@@ -44,6 +44,9 @@ Have large call volume? Vapi offers enterprise discounts. Reach out to us [here]
 ## Further Reading
 
 <CardGroup cols={2}>
+  <Card title="Routing Provider Cost" icon="route" iconType="solid" href="/learn/billing/overview">
+    Learn more about how Vapi bills & routes provider costs.
+  </Card>
   <Card title="Billing Overview" icon="route" iconType="solid" href="/learn/billing/overview">
     Learn more about how Vapi bills & routes provider costs.
   </Card>