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 title: Billing Overview
-description: An overview of how billing works in Expensify.
+description: Learn about Expensify billing, including active member charges, annual subscription savings, and pay-per-use options. Discover how the Expensify Card can reduce costs and maximize value.
 ---
-# Overview
-Expensify’s billing is based on monthly member activity. At the beginning of each month, you’ll be billed for the previous month’s activity. Your Expensify bill ultimately depends on your plan type, whether you're on an annual subscription or pay-per-use billing, and whether you’re using the Expensify Visa® Commercial Card. 
-# How billing works in Expensify
-Expensify bills the owners of Group Workspaces on the first of each month for the previous month's usage. You can find billing receipts in **Settings > Account > Payments > Billing History**. We recommend that businesses have one billing owner for all of their Group Workspaces.
-## Active members
-An **active member** is anyone who chats, creates, submits, approves, reimburses, or exports a report in Expensify in any given month. This includes Copilots and automated settings.
-## Annual subscription
-With an annual subscription, you set your monthly active member count at the beginning and get a 50% discount on your monthly active member cost. That means an annual subscription paired with the Collect plan will cost $10 per monthly active member instead of $20, and the Control plan will cost $18 instead of $36.
 
-Each month, you’ll be billed for the amount of members you originally set in your subscription size. Any active members in a given month above this subscription size will be billed at the pay-per-use rate.
+Expensify’s billing is based on monthly member activity. You’ll be charged for the previous month’s usage at the beginning of each month. Your bill depends on:  
+- Plan type: Annual subscription or pay-per-use.  
+- Expensify Visa® Commercial Card usage: Discounts are available based on your card spending.
 
-For example, let’s say you set your annual subscription size at 10 members and you’re on the Control plan. You’ll be billed $18/member for 10 members each month. However, let’s say in one particular month you had 12 active members, you’d be billed at $18/member for the 10 members in your subscription size + $36/member (pay-per-use rate) for the additional 2 active members.
+---
+# How Billing Works
+- Billing occurs on the first of each month for the previous month’s usage.
+- Only Group Workspace owners are billed.  
+- View billing receipts in:  
+  Settings > Account > Payments > Billing History.
 
-You can always increase your annual subscription size, which will extend your annual subscription length. However, you cannot reduce your annual subscription size until your current subscription has ended. If you have any questions about this, contact Concierge or your account manager. 
-## Pay-per-use
-The pay-per-use rate is the full rate per active member without any discounts. The pay-per-use rate for each member on the Collect plan is $20, and on the Control plan, it is $36.
-## How the Expensify Card can reduce your bill
-Bundling the Expensify Card with an annual subscription ensures you pay the lowest possible monthly price for Expensify. And the more you spend on Expensify Cards, the lower your bill will be.
+**Tip: Designate one billing owner for all Group Workspaces to streamline billing management.**
 
-If at least 50% of your total settled US spend in a given month is on your company’s Expensify Cards, you will receive an additional 50% discount on the price per member. This additional 50% discount, when coupled with an annual subscription, brings the price per member to $5 on a Collect plan and $9 on a Control plan.
+---
+## What is an Active Member?
+An active member is anyone who performs any of these actions in Expensify during a month:
+- Chats  
+- Creates, submits, approves, reimburses, or exports a report  
+- Uses the Copilot feature to take an action in another user's account
 
-Additionally, every month, you receive 1% cash back on all Expensify Card purchases, and 2% if the spend across your Expensify Cards is $250k or more (_applies to US purchases only_). Any cash back from the Expensify Card is first applied to your Expensify bill, further reducing your price per member. Any leftover cash back is deposited directly into your connected bank account.
-## Savings calculator
-To see how much money you can save (and even earn!) by using the Expensify Card, check out our [savings calculator](https://use.expensify.com/price-savings-calculator). Just enter a few details and see how much you’ll save!
+---
+# Annual Subscription
 
-{% include faq-begin.md %}
+## Key Benefits:
+- Save 50% per active member compared to pay-per-use billing.  
+  - Collect plan: $10 per member (vs. $20).  
+  - Control plan: $18 per member (vs. $36).  
+- Set your monthly active member count upfront and pay a fixed rate.
 
-## What if we put less than 50% of our total spend on the Expensify Card?
-If less than 50% of your total settled US spend in a given month is on the Expensify Card, your bill is discounted on a sliding scale.
+## How It Works:
+- You’ll be billed for the number of members set in your subscription.  
+- Extra active members beyond your subscription size are charged at the pay-per-use rate.
 
 **Example:**
-- Annual subscription discount: 50%
-- % of total settled Expensify Card spend (US purchases only) across all workspaces: 20% 
-- Expensify Card discount: 20%
+- Plan: Control  
+- Subscription size: 10 members  
+  - Cost: $18/member x 10 members = $180/month
+- Scenario: 12 active members in one month  
+  - Cost for additional two members: $36/member = $72  
+  - Total bill: $252
+
+**Adjustments:**
+- You can increase your subscription size by extending your subscription period.  
+- Reductions are only allowed after your current subscription ends.  
+---
+# Pay-Per-Use Billing
+- Charges apply at full rates with no discounts.  
+  - Collect plan: $20 per active member.  
+  - Control plan: $36 per active member.
+
+---
+# How the Expensify Card Reduces Your Bill
+
+## Bundling Benefits:
+- Combine an Expensify Card with an annual subscription for the lowest price per member.  
+- Spending at least 50% of your total settled US spend on Expensify Cards earns a further 50% discount.
 
-In that case, you'd save 70% on the price per member for that month's bill.
+## Discount Breakdown:
+- Collect plan: $5/member.  
+- Control plan: $9/member.
+
+## Additional Savings:
+- Earn 1% cash back on Expensify Card purchases.  
+  - 2% cash back if total card spend exceeds $250k (US purchases only).  
+  - Cashback is first applied to your bill, reducing costs further. Any surplus is deposited into your bank account.
+
+## Savings Calculator
+Use our [savings calculator](https://use.expensify.com/price-savings-calculator) to estimate potential savings and earnings with the Expensify Card. Enter your details to see the results!
+
+---
+# FAQ
+
+## What if less than 50% of the spend is on Expensify Cards?
+Discounts are applied on a sliding scale based on your Expensify Card spend percentage.  
+
+**Example:**
+- Annual subscription discount: 50%  
+- Expensify Card spend (US purchases): 20% of total spend  
+- Expensify Card discount: 20%
+- Total savings: 70% discount on the per-member price for that month.
 
-{% include faq-end.md %}