Answering-service sites lead with the smallest monthly number. The number that hits the bank account is the included count times the length of the call, plus the overage, plus whether Saturday is inside the price.
Use 80 calls. It is PATLive’s own "about 80 calls" label on the 200-minute plan, so it is not a number we made up to flatter anyone. It is also a plausible month for a two-truck plumbing shop. It is an example. Your phone bill will not match it. The shape will.
Three cards, one month
If the call is 2.5 minutes, which is PATLive’s "about 80 calls" on 200 minutes
- Card that fits 80 calls
- 200 minutes
- Bill
- $349
- Card that fits 80 calls
- 200 receptionist-minutes
- Bill
- $720
- Card that fits 80 calls
- 90 calls (Basic). The 30-call card does not fit.
- Bill
- $810
| Who | Card that fits 80 calls | Bill |
|---|---|---|
| PATLive | 200 minutes | $349 |
| Ruby | 200 receptionist-minutes | $720 |
| Smith.ai | 90 calls (Basic). The 30-call card does not fit. | $810 |
If the receptionist is on the call for 3 minutes, 80 calls are 240 minutes
- What the card does
- 200-minute plan plus 40 minutes at $1.99
- Bill
- $428.60
- What the card does
- Step up to 300 minutes so you are not in overage
- Bill
- $479
- What the card does
- 200-minute card does not cover 240. Next public card is 500 minutes. Overage rate is not on the card.
- Bill
- $720 plus an unpublished overage, or $1,725
- What the card does
- Still the 90-call card. Smith bills calls, not minutes.
- Bill
- $810
| Who | What the card does | Bill |
|---|---|---|
| PATLive | 200-minute plan plus 40 minutes at $1.99 | $428.60 |
| PATLive | Step up to 300 minutes so you are not in overage | $479 |
| Ruby | 200-minute card does not cover 240. Next public card is 500 minutes. Overage rate is not on the card. | $720 plus an unpublished overage, or $1,725 |
| Smith.ai | Still the 90-call card. Smith bills calls, not minutes. | $810 |
PATLive’s 100-minute plan plus overage at this length is $481.60, which is worse than just buying the 300-minute card. The cheap card is not the cheap month. That is the sentence to screenshot.
Ruby rounds receptionist time up to the next 30 seconds. A pile of short "are you open Saturday" calls burns the 200 minutes faster than a clean 3-minute average. The table is already the optimistic version of their unit.
Saturday is not a separate product on these three
PATLive’s pricing page says 24/7/365 is in the monthly price, and that some providers advertise 24/7 and then bill nights and weekends on top. Ruby’s plan page does not show a nights-and-weekends adder on the four cards we read. Smith’s receptionist page lists 24/7 live agents on the plans above. Believe the contract, not this paragraph, if a sales rep adds an after-hours rider. What you should not do is pay a second "after hours" product until you have seen it missing from the card you already bought.
What the bill is not
It is not the price of a plumbing service call. Owners searching that are homeowners. This page does not answer them.
It is not a ranking of AI voice agents. A dozen vendors will tell you they are the best AI answering service for contractors, with a price they set and a table they win. If you want that genre, it already exists, and we are not adding another one with Toolbench in row one.
It is not a per-call Toolbench price. Our unit is a credit: one text-back, one SMS reply, one review response, or one Google post. The published plan is $49 a month after the trial, 500 credits, $0.10 after that, on the pricing page. Dividing that by 80 calls would be a fake comparison. A missed-call text-back does not consume a Ruby minute. A live receptionist does not post your Google profile. Pick the job, then the card.
When the live bill is the right bill
A caller who must talk to a person, a job that cannot be qualified in four texts, a shop that wants someone to dispatch a tech by voice at 2am. PATLive lists emergency dispatch on the pricing page. That is the product you are paying $349 to $810 to have. If that is the job, buy it, and read the overage before peak season. The $99 PATLive card is 50 minutes, about 20 of their calls. It will not survive an 80-call month.
When it is the wrong bill
You are the one who answers when you can. The leak is the call you could not grab. You want a text out in the first minute, the address, and a held window. Paying $720 so a receptionist can take a message you will read an hour later is how shops end up with both a receptionist invoice and an empty Saturday. The missed-call text-back page is the protocol. The plumbing industry page is the trade version. This page is only so you can see the other invoice first.
Misconception
FAQ
Worth it when a person has to stay on the line and your included minutes cover the month you actually have. Not worth it when you bought 50 minutes and you run 80 calls. Run your last month’s answered calls against the cards above before you add a tool.
There is no single price. At an example month of 80 calls, published cards on September 25, 2026 ran from $349 (PATLive, if their 2.5-minute assumption holds) to $810 (Smith.ai’s 90-call card) to $1,725 (Ruby’s next card up, if you will not sit in an unpublished overage). Your count will differ. The spread is the point.
PATLive, Ruby, and Smith.ai all describe 24/7 coverage on the pages we read. The limit is the included minutes or calls, not a clock that shuts off at 5pm. Confirm no after-hours rider was added on your order form.
See the plumbing page, missed-call text-back, Ruby’s minute card, Smith.ai, and the pricing page.