Usage-based billing
Copilot Studio agents consume capacity per interaction — Microsoft now meters this as Copilot Credits (previously 'messages'). Generative answers and tool calls consume more than simple scripted replies. You can buy prepaid capacity packs or use pay-as-you-go through an Azure subscription.
Microsoft 365 Copilot users
Employees with a Microsoft 365 Copilot licence can use agents inside Microsoft 365 Copilot and Teams; Microsoft's terms define which agent usage is covered by that licence and which is billed separately. Check the current licensing guide when planning.
External channels
Agents on your website or WhatsApp for customers are billed by usage; WhatsApp messaging costs (Meta / Azure Communication Services) are separate.
Budget a pilot
- Estimate users × questions per user per month.
- Assume a higher rate per answer for generative answers and tool calls.
- Start on pay-as-you-go to measure, then buy capacity.
Related
Licensing terms change. This guide reflects our understanding at the time of writing and is not an official Adobe or Microsoft document — confirm current terms with your reseller.