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Finance Financial ServicesTop 10 Best Pay Per Minute Software of 2026
Find the top 10 best pay per minute software options. Compare features, pricing, and usability to find the perfect fit.
How we ranked these tools
Core product claims cross-referenced against official documentation, changelogs, and independent technical reviews.
Analyzed video reviews and hundreds of written evaluations to capture real-world user experiences with each tool.
AI persona simulations modeled how different user types would experience each tool across common use cases and workflows.
Final rankings reviewed and approved by our editorial team with authority to override AI-generated scores based on domain expertise.
Score: Features 40% · Ease 30% · Value 30%
Gitnux may earn a commission through links on this page — this does not influence rankings. Editorial policy
Editor’s top 3 picks
Three quick recommendations before you dive into the full comparison below — each one leads on a different dimension.
Twilio
Programmable Voice with TwiML and webhook-based call control
Built for teams building usage-based voice and messaging into custom applications.
Vonage
Voice API support for programmable call flows and routing
Built for teams building custom voice calling workflows with API-driven call routing.
Twillio (Programmable Video)
Rooms with participant lifecycle events for building application-specific video workflows
Built for teams embedding real-time video into apps with custom session logic.
Comparison Table
This comparison table evaluates pay-per-minute and usage-based billing platforms that support voice, messaging, video, and payment operations, including Twilio, Vonage, Twilio Programmable Video, Stripe Billing, Chargebee, and other common options. The review compares per-minute metering and usage tracking, supported communication and payment workflows, integrations, and operational usability so readers can match each tool to real billing and product requirements.
| # | Tool | Category | Overall | Features | Ease of Use | Value |
|---|---|---|---|---|---|---|
| 1 | Twilio Communications APIs that bill usage with per-minute charges for voice, video, and messaging traffic used by finance and customer-support workflows. | API-first | 8.9/10 | 9.4/10 | 8.2/10 | 8.9/10 |
| 2 | Vonage Voice and messaging APIs that support per-minute billing for phone calls used in contact-center and transaction-support scenarios. | communications APIs | 7.6/10 | 8.1/10 | 7.4/10 | 7.2/10 |
| 3 | Twillio (Programmable Video) Video and voice capabilities under the Twilio platform that monetize minutes for real-time financial advisory or authentication sessions. | programmable video | 7.6/10 | 8.3/10 | 7.1/10 | 7.0/10 |
| 4 | Stripe Billing Usage-based billing tooling that can implement per-minute metering for finance-facing services with subscriptions and invoices. | usage billing | 8.0/10 | 8.5/10 | 7.6/10 | 7.8/10 |
| 5 | Chargebee Subscription and usage billing platform that supports metered usage models used to bill customers per minute for finance products. | metered billing | 8.1/10 | 8.7/10 | 7.6/10 | 7.9/10 |
| 6 | Zuora Enterprise subscription and billing suite that supports usage-based charges for time-based services such as per-minute engagement fees. | enterprise billing | 8.1/10 | 8.6/10 | 7.6/10 | 7.9/10 |
| 7 | Aria Systems B2B monetization platform that supports metered, usage-driven pricing models to bill customers per minute for finance services. | B2B monetization | 7.3/10 | 8.0/10 | 6.6/10 | 7.2/10 |
| 8 | Spreedly Subscription management and billing orchestration that enables usage-based billing patterns for per-minute finance service charges. | billing orchestration | 7.4/10 | 7.8/10 | 7.0/10 | 7.2/10 |
| 9 |  AWS Marketplace Metering AWS metering capabilities that can meter minute-level usage for software subscriptions sold into finance and billing systems. | cloud metering | 7.4/10 | 8.2/10 | 6.9/10 | 7.0/10 |
| 10 | Google Cloud Billing for Metered Services Cloud metering and billing primitives used to compute usage-based charges with minute-level granularity for managed finance workloads. | cloud billing | 7.9/10 | 8.3/10 | 7.4/10 | 7.7/10 |
Communications APIs that bill usage with per-minute charges for voice, video, and messaging traffic used by finance and customer-support workflows.
Voice and messaging APIs that support per-minute billing for phone calls used in contact-center and transaction-support scenarios.
Video and voice capabilities under the Twilio platform that monetize minutes for real-time financial advisory or authentication sessions.
Usage-based billing tooling that can implement per-minute metering for finance-facing services with subscriptions and invoices.
Subscription and usage billing platform that supports metered usage models used to bill customers per minute for finance products.
Enterprise subscription and billing suite that supports usage-based charges for time-based services such as per-minute engagement fees.
B2B monetization platform that supports metered, usage-driven pricing models to bill customers per minute for finance services.
Subscription management and billing orchestration that enables usage-based billing patterns for per-minute finance service charges.
AWS metering capabilities that can meter minute-level usage for software subscriptions sold into finance and billing systems.
Cloud metering and billing primitives used to compute usage-based charges with minute-level granularity for managed finance workloads.
Twilio
API-firstCommunications APIs that bill usage with per-minute charges for voice, video, and messaging traffic used by finance and customer-support workflows.
Programmable Voice with TwiML and webhook-based call control
Twilio stands out for turning pay-per-minute voice and messaging into programmable communications through a single API. Core capabilities include programmable voice with call routing, SIP trunking, and messaging channels for SMS, MMS, and chat-style workflows. Developers can orchestrate IVR, confirmations, and notifications using TwiML, webhooks, and event-driven status callbacks to connect calls and messages to external systems. This makes Twilio a strong fit for communication workloads that scale by usage and require tight integration into custom applications.
Pros
- Programmable voice with TwiML call control and flexible routing
- SMS and MMS APIs with delivery and status callbacks for automation
- Webhook-driven events make it straightforward to sync comms with apps
- Global connectivity options support multi-region customer communications
- SIP trunking fits existing PBX environments and migration projects
Cons
- Full feature coverage requires strong developer knowledge of APIs
- Orchestrating complex call flows can become verbose and harder to test
- Some advanced routing scenarios demand careful webhook and state handling
Best For
Teams building usage-based voice and messaging into custom applications
Vonage
communications APIsVoice and messaging APIs that support per-minute billing for phone calls used in contact-center and transaction-support scenarios.
Voice API support for programmable call flows and routing
Vonage stands out by combining programmable voice over IP with business phone workflows built around real-time calling needs. It supports pay-per-minute style usage through outbound and inbound telephony capabilities, including call routing and integration options for connected apps. Teams can deploy voice APIs to build custom calling features while using conferencing and contact-center adjacent functions to extend beyond basic dialing. Administrative control centers on telephony settings and routing logic rather than broad pay-per-minute billing analytics dashboards.
Pros
- Programmable voice APIs for outbound calls, inbound flows, and routing logic
- Strong call feature set with conferencing and call handling controls
- Integration-friendly design for embedding telephony into existing applications
Cons
- Most advanced capabilities require API and workflow configuration effort
- Admin workflows feel developer-centric compared with no-code telephony consoles
- Usage monitoring and reporting depth can lag behind specialized contact tools
Best For
Teams building custom voice calling workflows with API-driven call routing
Twillio (Programmable Video)
programmable videoVideo and voice capabilities under the Twilio platform that monetize minutes for real-time financial advisory or authentication sessions.
Rooms with participant lifecycle events for building application-specific video workflows
Twilio Programmable Video stands out for turning real-time video into composable APIs that integrate with call, streaming, and communications workflows. It provides building blocks for WebRTC-based browser and mobile experiences, including client SDKs, server-side signaling, and room management primitives. The programmable media model supports customized joins, overlays, and event-driven control so video sessions can react to application state. Latency and scalability depend on correct architecture and media strategy, which can add complexity for advanced deployments.
Pros
- Event-driven room and participant control for responsive video experiences
- WebRTC-first SDKs for browsers and mobile integrations
- Flexible signaling and session orchestration via programmable APIs
Cons
- Advanced recording and processing workflows require careful design
- Media quality tuning and scaling can demand expertise
- Complex session logic increases implementation overhead
Best For
Teams embedding real-time video into apps with custom session logic
Stripe Billing
usage billingUsage-based billing tooling that can implement per-minute metering for finance-facing services with subscriptions and invoices.
Metered billing with usage records for invoice line items based on tracked consumption
Stripe Billing stands out for combining subscription management with metered usage and proration logic in one payment stack. It supports usage-based charges that can be computed per minute using metered events and invoicing. Built-in tax and invoice handling reduces custom glue for invoicing workflows. It also integrates directly with Stripe’s payments, webhooks, and customer objects to keep billing state consistent.
Pros
- Metered usage invoicing supports per-minute style charges via metering events
- Strong proration and subscription schedule tooling for correct mid-cycle billing
- Webhooks and customer objects keep usage, invoices, and payment status synchronized
Cons
- Minute-level accuracy requires careful metering design and event handling
- Complex billing logic can demand more engineering than simpler quote-and-invoice tools
- Debugging invoice disputes often involves tracing multiple objects and webhook events
Best For
Teams building metered SaaS billing with recurring subscriptions and minute-level usage
Chargebee
metered billingSubscription and usage billing platform that supports metered usage models used to bill customers per minute for finance products.
Usage-based invoicing with metered billing rules and usage aggregation into invoices
Chargebee stands out with billing-first automation for complex monetization models, including metered billing and usage-based charges. It supports pay-per-minute style workflows through configurable metering rules, usage aggregations, and recurring invoice generation. Billing operations integrate with payment gateways, tax handling, and customer self-service portals to keep invoicing and account states consistent. Reporting and controls focus on revenue recognition inputs and dispute-ready billing history rather than custom data science tooling.
Pros
- Flexible metered billing configuration for minute-based usage charges
- Automated invoicing from usage events with detailed billing state tracking
- Strong integrations for payments, tax, and customer portal experiences
Cons
- Pay-per-minute setups need careful event mapping and usage granularity
- Advanced configuration can feel heavy for teams without billing specialists
- Reporting customization is less developer-friendly than dedicated analytics tools
Best For
Teams needing flexible usage-based invoicing and automated recurring billing workflows
Zuora
enterprise billingEnterprise subscription and billing suite that supports usage-based charges for time-based services such as per-minute engagement fees.
Rate plan and billing engine that calculates usage charges and revenue schedules from usage events
Zuora stands out for handling complex subscription billing and monetization workflows that go beyond simple usage charges. It supports metering, rate plans, invoicing, and revenue reporting built around recurring billing events and usage dimensions. Its strength is aligning billing logic with CPQ-style quoting, contract structures, and downstream financial systems through integrations. For Pay Per Minute use cases, it can model per-minute consumption and apply discounting, taxes, and invoice timing rules at scale.
Pros
- Strong metering and rate-plan engine for minute-based usage charging
- Configurable invoicing rules with taxes, proration, and discounts
- Mature revenue reporting for subscription and usage-based recognition
Cons
- Setup requires careful modeling of meters, products, and billing periods
- Workflow configuration can be heavy for straightforward per-minute billing
- Integrations and data mapping add project overhead for new deployments
Best For
Enterprises needing precise minute-based billing, revenue reporting, and accounting integration
Aria Systems
B2B monetizationB2B monetization platform that supports metered, usage-driven pricing models to bill customers per minute for finance services.
Rating and billing rules engine for usage-based minute consumption
Aria Systems stands out with billing and revenue operations built around usage and complex metering workflows. The product supports pay per minute style charging via metering, rating, and invoicing logic. It also targets global operations with tax handling and settlement workflows. Integration depth with billing-adjacent systems makes it suited for enterprises managing high-volume usage events.
Pros
- Advanced metering and rating for minute-based usage billing
- Strong enterprise revenue workflow support across invoicing and taxes
- Handles complex billing rules and downstream billing events
Cons
- Setup complexity is high for custom usage and rating logic
- Workflow configuration requires specialist domain knowledge
- Admin experience can feel heavy compared with simpler billing tools
Best For
Enterprise billing teams needing minute-level usage charging and governance
Spreedly
billing orchestrationSubscription management and billing orchestration that enables usage-based billing patterns for per-minute finance service charges.
Unified payment gateway routing with tokenization vaulting for consistent charging flows
Spreedly stands out for its gateway-agnostic payment orchestration that routes transactions across multiple processors and vaults sensitive payment data. It supports Pay Per Minute style billing by enabling event-driven charging flows, storing payment instrument details, and retrying failed authorization or capture steps. Core capabilities include tokenization and vaulting, configurable payment flows, and operational controls for environments like test and production. The system also integrates with business platforms through webhooks and APIs for downstream metering and reconciliation.
Pros
- Gateway-agnostic orchestration with consistent APIs across multiple processors
- Tokenization and vaulting reduce scope for storing payment credentials
- Webhook-driven eventing supports external metering and reconciliation workflows
- Controls for retries and lifecycle steps help stabilize minute-level charging
Cons
- Complex routing and flow setup can slow development for simple billing
- Debugging transaction issues may require deeper familiarity with gateway behavior
- Higher operational overhead than direct single-processor integrations
Best For
Payments teams orchestrating processor failover and minute-level metering
AWS Marketplace Metering
cloud meteringAWS metering capabilities that can meter minute-level usage for software subscriptions sold into finance and billing systems.
Usage dimension metering records sent as consumption events to AWS Marketplace
AWS Marketplace Metering enables Pay Per Minute Software usage measurement through a metering service built for AWS Marketplace entitlements. It supports metering events that track usage for your SaaS with configurable usage dimensions and periodic reporting. Integration with AWS services and Marketplace submission workflows focuses on accurate consumption reporting for hourly or minute-based billing models. It works best as the measurement and signaling layer rather than as a full billing or invoicing system.
Pros
- Purpose-built metering integration for AWS Marketplace consumption events
- Supports metering records tied to customer entitlements and usage dimensions
- Automates consumption reporting workflows that align with Marketplace requirements
Cons
- Requires careful event design to avoid undercount or double-count usage
- Implementation overhead comes from connecting meters to your application telemetry
- Less control than a custom metering stack for complex usage measurement logic
Best For
SaaS teams selling AWS Marketplace software needing minute-based usage reporting
Google Cloud Billing for Metered Services
cloud billingCloud metering and billing primitives used to compute usage-based charges with minute-level granularity for managed finance workloads.
Cloud Billing exports to BigQuery for detailed metered usage and cost analytics
Google Cloud Billing for Metered Services centralizes usage-based cost tracking for compute, storage, networking, and other billable resources through metering and reporting. It provides Cloud Billing exports and dashboards that support cost analysis, allocation, and automated review of how usage translates into charges. It also integrates with Cloud Monitoring and account billing policies to help teams manage spend patterns across projects.
Pros
- Metered-service usage-to-cost visibility across projects and services
- Cloud Billing exports enable warehouse-style analysis and cost attribution
- Strong integration with monitoring and billing reports for operational insights
Cons
- Setup and validation require careful project and labeling hygiene
- Navigating charge breakdowns for complex architectures can take time
- Metering coverage depends on enabling the correct billing data sources
Best For
Teams needing metered cost visibility and reporting for cloud usage
Conclusion
After evaluating 10 finance financial services, Twilio stands out as our overall top pick — it scored highest across our combined criteria of features, ease of use, and value, which is why it sits at #1 in the rankings above.
Use the comparison table and detailed reviews above to validate the fit against your own requirements before committing to a tool.
How to Choose the Right Pay Per Minute Software
This buyer’s guide helps teams choose pay per minute software by mapping real minute-based requirements to specific tools like Twilio, Stripe Billing, Chargebee, and Zuora. The guide covers how programmable communications, metered billing engines, payment orchestration, and cloud marketplace metering primitives align with usage-based workflows.
What Is Pay Per Minute Software?
Pay per minute software measures minute-level usage and turns that usage into billable outcomes or operational events. In communications workloads, tools like Twilio and Vonage support programmable voice flows that can be controlled and synced to application logic with webhook-driven events. In monetization workflows, billing platforms like Stripe Billing and Chargebee convert tracked consumption into invoice line items and automated recurring billing actions.
Key Features to Look For
The right pay per minute solution depends on whether it can measure usage precisely, automate the downstream workflow, and stay manageable to operate.
Programmable real-time communications with webhook-driven control
Twilio excels at programmable voice with TwiML and webhook-based call control. This lets teams orchestrate IVR, confirmations, and notification workflows by connecting call state to external systems through event-driven status callbacks.
Programmable voice call flows and routing logic
Vonage provides voice API support for programmable call flows and routing. Teams can build outbound and inbound telephony logic that embeds into existing applications while relying on routing controls rather than broad analytics dashboards.
Event-driven room and participant lifecycle for real-time video workflows
Twillio (Programmable Video) supports rooms with participant lifecycle events. This enables application-specific video session logic that reacts to participant joins and departures and can integrate video into minute-based advisory or authentication experiences.
Metered billing with minute-level usage records that produce invoice line items
Stripe Billing stands out for metered billing that supports per-minute style charges via metering events. It keeps usage, invoices, and payment status synchronized using webhooks and Stripe customer objects.
Metered usage rules that aggregate consumption into recurring invoices
Chargebee provides usage-based invoicing with configurable metering rules and usage aggregation. This supports pay-per-minute style workflows that generate invoices automatically from tracked usage events.
Enterprise rate-plan engines that align meters, products, and revenue schedules
Zuora provides a rate plan and billing engine that calculates usage charges and revenue schedules from usage events. This helps enterprises model minute-based consumption with discounts, taxes, and invoice timing rules tied to contract-grade billing workflows.
How to Choose the Right Pay Per Minute Software
Selection should start with the specific workflow that needs minute-level usage action, then match that workflow to measurement, billing, payment, and operational tooling.
Identify the minute-based workflow boundary
Teams should decide whether the minute-based requirement is inside a communications session or inside the billing and revenue system. Twilio is a fit when voice and messaging minutes must be controlled by TwiML and synced with webhooks. Stripe Billing is a fit when minute-level usage must become invoice line items inside a subscriptions and metering stack.
Match the tool to how minute usage is captured
Communications capture aligns to programmable APIs and event callbacks in Twilio and Vonage. Billing capture aligns to metered usage events and invoice generation in Stripe Billing and Chargebee. If usage must be represented as consumption records in an ecosystem entitlement flow, AWS Marketplace Metering sends usage dimension metering records as consumption events to AWS Marketplace.
Confirm automation depth for the downstream billing workflow
Chargebee focuses on usage-based invoicing with metered billing rules and recurring invoice generation from usage events. Zuora adds an enterprise-grade rate-plan engine that calculates usage charges and revenue schedules from usage events and supports configurable invoicing rules. Aria Systems targets enterprise billing teams with a rating and billing rules engine for usage-based minute consumption.
Validate integration and operational fit for payments and reconciliation
Spreedly supports gateway-agnostic payment orchestration with tokenization and vaulting for consistent charging flows across processors. This is a fit when minute-level charging actions must survive payment step retries and need webhook-driven eventing for downstream metering and reconciliation. If metering must be tied to an infrastructure export and analysis pipeline, Google Cloud Billing for Metered Services provides Cloud Billing exports to BigQuery for detailed metered usage and cost analytics.
Assess implementation complexity against the team’s available expertise
Twilio and Vonage require strong developer knowledge to orchestrate complex call flows with webhook and state handling. Chargebee, Zuora, and Aria Systems require careful setup of meters, products, and workflow configuration for minute-level usage charging. Spreedly adds operational overhead because gateway routing and flow debugging can require familiarity with payment processor behavior.
Who Needs Pay Per Minute Software?
Pay per minute software serves teams that need minute-level measurement to drive real-time communications, usage invoicing, processor-safe payments, or cloud and marketplace consumption reporting.
Teams building usage-based voice and messaging into custom applications
Twilio is a direct fit because it provides programmable voice with TwiML and webhook-based call control plus SMS and MMS APIs with delivery and status callbacks. Vonage complements this need by providing voice API support for programmable call flows and routing.
Teams embedding real-time video sessions where application logic must track participants
Twillio (Programmable Video) is built for app-specific video workflows with room and participant lifecycle events. This supports architectures where video minutes must map to application state and session handling.
Teams building metered SaaS billing with recurring subscriptions and minute-level usage
Stripe Billing provides metered usage invoicing with usage records that become invoice line items and uses webhooks to synchronize billing state. Chargebee adds flexible metered billing configuration that aggregates usage into recurring invoices.
Enterprises that need minute-based billing tied to contracts, taxes, revenue schedules, and accounting integration
Zuora is tailored for enterprise rate plans, revenue reporting, and mature support for subscription and usage dimensions. Aria Systems adds an enterprise rating and billing rules engine designed to govern usage-based minute consumption.
Common Mistakes to Avoid
Minute-based projects commonly fail when teams choose the wrong layer for measurement or underestimate setup and state complexity.
Treating communications minutes as a billing problem instead of a workflow problem
Twilio and Vonage exist to control call flows with routing and webhook-driven state, not to retroactively infer minutes after the fact. Building on Twilio’s TwiML and webhook call control prevents verbose orchestration work later.
Overlooking minute-level accuracy requirements in metering event design
Stripe Billing and Chargebee rely on metering events that map to minute granularity, so event design must be precise to avoid incorrect invoice line items. Minute-level setups can demand careful metering design and event handling in both platforms.
Choosing a billing engine without aligning meters, products, and billing periods
Zuora and Aria Systems require careful modeling of meters, products, and billing periods to calculate usage charges correctly. Heavy workflow configuration can create gaps when implementation teams do not have billing specialists.
Skipping payment orchestration safeguards when charging steps must retry safely
Spreedly is built to handle retryable authorization and capture steps across payment processors. Using a simple single-processor integration for minute-level charging actions can increase operational overhead when payment steps fail.
How We Selected and Ranked These Tools
We evaluated every tool on three sub-dimensions with weights of features at 0.40, ease of use at 0.30, and value at 0.30. The overall rating is computed as overall = 0.40 × features + 0.30 × ease of use + 0.30 × value. Twilio separated itself from lower-ranked tools because its programmable voice with TwiML and webhook-based call control provided a strong feature score tied directly to operational automation for minute-level communications workflows.
Frequently Asked Questions About Pay Per Minute Software
Which pay-per-minute software option fits voice and messaging built into custom applications?
Twilio is designed for usage-based voice and messaging where call control and message workflows are driven by a single API. Its Programmable Voice and messaging channels support call routing, SIP trunking, and event-driven status callbacks using webhooks and TwiML.
Which tool is best for programmable pay-per-minute style calling workflows with API-driven routing?
Vonage fits teams that want programmable voice over IP coupled with business phone workflow controls. Its voice API focus centers on real-time routing and call handling so applications can implement pay-per-minute style usage patterns through telephony events.
What platform supports pay-per-minute billing for real-time video sessions inside web or mobile apps?
Twilio Programmable Video exposes WebRTC room primitives that map naturally to per-minute session metering. Room lifecycle events and server-side signaling support application-specific session logic so minute-level usage can be tracked alongside joins and participant activity.
Which billing system supports minute-level metered charges with proration and invoice generation?
Stripe Billing supports subscription management and metered usage in one stack using usage records that can translate into per-minute invoice line items. Its proration logic and invoice tooling work with Stripe objects and webhooks to keep billing state consistent.
Which solution handles complex monetization with configurable metering rules for usage-based invoices?
Chargebee provides billing-first automation where metering rules, usage aggregation, and recurring invoice generation support pay-per-minute style charging. Its revenue and dispute-ready billing history emphasizes billing operations rather than custom analytics pipelines.
Which enterprise platform is suited for minute-based billing that must align with contracts, quoting, and accounting?
Zuora fits enterprise workflows where billing logic must connect to contract structures, rate plans, and downstream financial systems. Its rate plan and billing engine models minute-based consumption and produces revenue schedules and invoice timing rules at scale.
Which billing and revenue operations tool supports usage governance and tax handling for minute-level charging?
Aria Systems targets governance-heavy billing and revenue operations with metering, rating, and invoicing logic for usage-based minute consumption. It also includes global tax handling and settlement workflows for high-volume usage events.
What tool helps when payment processing must be orchestrated across multiple gateways for minute-level charging flows?
Spreedly is built for gateway-agnostic payment orchestration that routes transactions across processors and vaults. Its configurable payment flows, tokenization, and retry controls support event-driven charging steps that align with pay-per-minute metering signals.
Which option measures pay-per-minute usage when software is sold through AWS Marketplace entitlements?
AWS Marketplace Metering measures usage through metering events tied to Marketplace entitlements rather than providing a full billing and invoicing system. It supports configurable usage dimensions and reporting designed for consumption measured in hourly or minute-based models.
How is minute-level metered usage typically captured for cloud cost allocation and analysis?
Google Cloud Billing for Metered Services centralizes usage-based cost tracking for billable cloud resources using metering and reporting. It supports exports to BigQuery and integrations with Cloud Monitoring so teams can analyze how minute-level resource usage maps to costs.
Tools reviewed
aws.amazon.comReferenced in the comparison table and product reviews above.
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