• Each of the price plans come with a certain number of credits. You may check out the details in these links:
    • For Free Trial Plan: the unused credits will be forfeited when the 14-day period is up unless the account is upgraded to any of the following Paid Plans:
      • Basic Plan
      • SMS Plan
      • Portal User License
    • For Top-up Plan: the unused credits can be rolled over and will always be valid to use (i.e., no expiry date)
    • For Basic & SMS Plans: the allocated credits will be reset every calendar month, hence, the balance credits in a calendar month will not be rolled over to the next month
    • Portal User License: unlimited credits for use
    • Whenever the following are sent, the corresponding credits will be deducted from the account’s subscription plan:
Channel Per Outgoing Message Per Incoming Message
SMS Varies by Destination
* WhatsApp Per business-initiated conversation: varies by Destination
Per user-initiated conversation: varies by Destination

Note:
> first 1,000 conversations/account each month are free
> first entry point conversation is free

Free
All Other Channels Free (for SendQuick.io Conversa)
1 credit (for SendQuick.io API)
Free

*(Source: https://developers.facebook.com/docs/whatsapp/pricing)

*(Source: https://developers.facebook.com/docs/whatsapp/overview/messages#business-initiated-messages)
Businesses are still required to use a message template if it has been more than 24 hours since the last user message.