diff --git a/lib/call_attempt.rb b/lib/call_attempt.rb
new file mode 100644
index 0000000000000000000000000000000000000000..53301146b2120049582c0111d696097ecb10a916
--- /dev/null
+++ b/lib/call_attempt.rb
@@ -0,0 +1,61 @@
+# frozen_string_literal: true
+
+require "value_semantics/monkey_patched"
+
+class CallAttempt
+	EXPENSIVE_ROUTE = {
+		"usd_beta_unlimited-v20210223" => 0.9,
+		"cad_beta_unlimited-v20210223" => 1.1
+	}.freeze
+
+	def self.for(customer, other_tel, rate, usage, digits)
+		included_credit = [customer.minute_limit.to_d - usage, 0].max
+		if !rate || rate >= EXPENSIVE_ROUTE.fetch(customer.plan_name, 0.1)
+			Unsupported.new
+		elsif included_credit + customer.balance < rate * 10
+			NoBalance.new(balance: customer.balance)
+		else
+			for_ask_or_go(customer, other_tel, rate, usage, digits)
+		end
+	end
+
+	def self.for_ask_or_go(customer, other_tel, rate, usage, digits)
+		can_use = customer.minute_limit.to_d + customer.monthly_overage_limit
+		if digits != "1" && can_use - usage < rate * 10
+			AtLimit.new
+		else
+			new(from: customer.registered?.phone, to: other_tel)
+		end
+	end
+
+	value_semantics do
+		from(/\A\+\d+\Z/)
+		to(/\A\+\d+\Z/)
+	end
+
+	def to_render
+		[:forward, { locals: to_h }]
+	end
+
+	class Unsupported
+		def to_render
+			["outbound/unsupported"]
+		end
+	end
+
+	class NoBalance
+		value_semantics do
+			balance Numeric
+		end
+
+		def to_render
+			["outbound/no_balance", { locals: to_h }]
+		end
+	end
+
+	class AtLimit
+		def to_render
+			["outbound/at_limit"]
+		end
+	end
+end
diff --git a/lib/call_attempt_repo.rb b/lib/call_attempt_repo.rb
new file mode 100644
index 0000000000000000000000000000000000000000..1bf751a1cef92dec275e6f81620b32a550464976
--- /dev/null
+++ b/lib/call_attempt_repo.rb
@@ -0,0 +1,45 @@
+# frozen_string_literal: true
+
+require "value_semantics/monkey_patched"
+
+require_relative "call_attempt"
+
+class CallAttemptRepo
+	value_semantics do
+		db Anything(), default: LazyObject.new { DB }
+	end
+
+	def find(customer, other_tel, digits=nil, direction=:outbound)
+		EMPromise.all([
+			find_rate(customer.plan_name, other_tel, direction),
+			find_usage(customer.customer_id)
+		]).then do |(rate, usage)|
+			CallAttempt.for(customer, other_tel, rate, usage, digits)
+		end
+	end
+
+protected
+
+	def find_usage(customer_id)
+		promise = db.query_defer(<<~SQL, [customer_id])
+			SELECT COALESCE(SUM(charge), 0) AS a FROM cdr_with_charge
+			WHERE
+				customer_id=$1 AND
+				start > DATE_TRUNC('month', LOCALTIMESTAMP)
+		SQL
+		promise.then { |rows| -(rows.first&.dig("a") || 0) }
+	end
+
+	def find_rate(plan_name, other_tel, direction)
+		promise = db.query_defer(<<~SQL, [plan_name, other_tel, direction])
+			SELECT rate FROM call_rates
+			WHERE
+				plan_name=$1 AND
+				$2 LIKE prefix || '%' AND
+				direction=$3
+			ORDER BY prefix DESC
+			LIMIT 1;
+		SQL
+		promise.then { |rows| rows.first&.dig("rate") }
+	end
+end
diff --git a/lib/plan.rb b/lib/plan.rb
index 37c0ba394d9350716ade6d7e4dafe0355eb67e18..2db0dad2b4fae843461047ab60b30e5427e0b81f 100644
--- a/lib/plan.rb
+++ b/lib/plan.rb
@@ -31,7 +31,7 @@ class Plan
 	end
 
 	def minute_limit
-		Limit.for("minute", @plan[:minutes])
+		CallingLimit.new(Limit.for("minute", @plan[:minutes]))
 	end
 
 	def message_limit
@@ -59,6 +59,10 @@ class Plan
 			"(overage $#{'%.4f' % (price.to_d / 10000)} / #{unit})"
 		end
 
+		def to_d
+			included.to_d / 10000
+		end
+
 		class Unlimited
 			def initialize(unit)
 				@unit = unit
@@ -69,4 +73,19 @@ class Plan
 			end
 		end
 	end
+
+	class CallingLimit
+		def initialize(limit)
+			@limit = limit
+		end
+
+		def to_d
+			@limit.to_d
+		end
+
+		def to_s
+			"#{'$%.4f' % to_d} of calling credit per calendar month " \
+			"(overage $#{'%.4f' % (@limit.price.to_d / 10000)} / minute)"
+		end
+	end
 end
diff --git a/test/test_helper.rb b/test/test_helper.rb
index d0a163d50cd2e6e915fec4d367de98746ec78d13..53169be94161977ad5c8945c302cfac9c2378323 100644
--- a/test/test_helper.rb
+++ b/test/test_helper.rb
@@ -73,7 +73,7 @@ CONFIG = {
 			currency: :USD,
 			monthly_price: 10000,
 			messages: :unlimited,
-			minutes: { included: 120, price: 87 }
+			minutes: { included: 10440, price: 87 }
 		},
 		{
 			name: "test_bad_currency",
diff --git a/test/test_plan.rb b/test/test_plan.rb
index 908d73b85e87299264dfc1dde572192da6362e1e..f2f5562508620b933e6bb6bd45c1c602f416213e 100644
--- a/test/test_plan.rb
+++ b/test/test_plan.rb
@@ -30,7 +30,7 @@ class PlanTest < Minitest::Test
 
 	def test_minute_limit
 		assert_equal(
-			"120 minutes (overage $0.0087 / minute)",
+			"$1.0440 of calling credit per calendar month (overage $0.0087 / minute)",
 			Plan.for("test_usd").minute_limit.to_s
 		)
 	end
diff --git a/test/test_web.rb b/test/test_web.rb
index d0efb8d730e13ff8dd948e4525f9f477c244bc6f..b9fbb0c894bb631af23f83fe5badefb6ad677f48 100644
--- a/test/test_web.rb
+++ b/test/test_web.rb
@@ -13,20 +13,48 @@ class WebTest < Minitest::Test
 		Web.opts[:customer_repo] = CustomerRepo.new(
 			redis: FakeRedis.new(
 				"jmp_customer_jid-customerid" => "customer@example.com",
-				"catapult_jid-+15551234567" => "customer_customerid@component"
+				"catapult_jid-+15551234567" => "customer_customerid@component",
+				"jmp_customer_jid-customerid_low" => "customer@example.com",
+				"jmp_customer_jid-customerid_limit" => "customer@example.com"
+			),
+			db: FakeDB.new(
+				["customerid"] => [{
+					"balance" => BigDecimal(10),
+					"plan_name" => "test_usd",
+					"expires_at" => Time.now + 100
+				}],
+				["customerid_low"] => [{
+					"balance" => BigDecimal("0.01"),
+					"plan_name" => "test_usd",
+					"expires_at" => Time.now + 100
+				}],
+				["customerid_limit"] => [{
+					"balance" => BigDecimal(10),
+					"plan_name" => "test_usd",
+					"expires_at" => Time.now + 100
+				}]
 			),
-			db: FakeDB.new,
 			sgx_repo: Bwmsgsv2Repo.new(
 				redis: FakeRedis.new,
 				ibr_repo: FakeIBRRepo.new(
 					"sgx" => {
 						"customer_customerid@component" => IBR.new.tap do |ibr|
 							ibr.phone = "+15551234567"
+						end,
+						"customer_customerid_limit@component" => IBR.new.tap do |ibr|
+							ibr.phone = "+15551234567"
 						end
 					}
 				)
 			)
 		)
+		Web.opts[:call_attempt_repo] = CallAttemptRepo.new(
+			db: FakeDB.new(
+				["test_usd", "+15557654321", :outbound] => [{ "rate" => 0.01 }],
+				["customerid_limit"] => [{ "a" => -1000 }],
+				["customerid_low"] => [{ "a" => -1000 }]
+			)
+		)
 		Web.app
 	end
 
@@ -47,6 +75,77 @@ class WebTest < Minitest::Test
 	end
 	em :test_outbound_forwards
 
+	def test_outbound_low_balance
+		post(
+			"/outbound/calls",
+			{ from: "customerid_low", to: "+15557654321" }.to_json,
+			{ "CONTENT_TYPE" => "application/json" }
+		)
+
+		assert last_response.ok?
+		assert_equal(
+			"<?xml version=\"1.0\" encoding=\"utf-8\" ?><Response>" \
+			"<SpeakSentence>Your balance of $0.01 is not enough to " \
+			"complete this call.</SpeakSentence></Response>",
+			last_response.body
+		)
+	end
+	em :test_outbound_low_balance
+
+	def test_outbound_unsupported
+		post(
+			"/outbound/calls",
+			{ from: "customerid", to: "+95557654321" }.to_json,
+			{ "CONTENT_TYPE" => "application/json" }
+		)
+
+		assert last_response.ok?
+		assert_equal(
+			"<?xml version=\"1.0\" encoding=\"utf-8\" ?><Response>" \
+			"<SpeakSentence>The number you have dialled is not " \
+			"supported on your account.</SpeakSentence></Response>",
+			last_response.body
+		)
+	end
+	em :test_outbound_unsupported
+
+	def test_outbound_atlimit
+		post(
+			"/outbound/calls",
+			{ from: "customerid_limit", to: "+15557654321" }.to_json,
+			{ "CONTENT_TYPE" => "application/json" }
+		)
+
+		assert last_response.ok?
+		assert_equal(
+			"<?xml version=\"1.0\" encoding=\"utf-8\" ?><Response>" \
+			"<Gather gatherUrl=\"\/outbound/calls\" maxDigits=\"1\" " \
+			"repeatCount=\"3\"><SpeakSentence>This call will take you over " \
+			"your configured monthly overage limit.</SpeakSentence><SpeakSentence>" \
+			"Change your limit in your account settings or press 1 to accept the " \
+			"charges. You can hang up to cancel.</SpeakSentence></Gather></Response>",
+			last_response.body
+		)
+	end
+	em :test_outbound_atlimit
+
+	def test_outbound_atlimit_digits
+		post(
+			"/outbound/calls",
+			{ from: "customerid_limit", to: "+15557654321", digits: "1" }.to_json,
+			{ "CONTENT_TYPE" => "application/json" }
+		)
+
+		assert last_response.ok?
+		assert_equal(
+			"<?xml version=\"1.0\" encoding=\"utf-8\" ?><Response>" \
+			"<Forward from=\"+15551234567\" to=\"+15557654321\" />" \
+			"</Response>",
+			last_response.body
+		)
+	end
+	em :test_outbound_atlimit_digits
+
 	def test_voicemail
 		Customer::BLATHER.expect(
 			:<<,
diff --git a/views/outbound/at_limit.slim b/views/outbound/at_limit.slim
new file mode 100644
index 0000000000000000000000000000000000000000..ed82a0e5c30a2290f0895b8dc166df9da4927e2e
--- /dev/null
+++ b/views/outbound/at_limit.slim
@@ -0,0 +1,5 @@
+doctype xml
+Response
+	Gather gatherUrl="/outbound/calls" maxDigits="1" repeatCount="3"
+		SpeakSentence This call will take you over your configured monthly overage limit.
+		SpeakSentence Change your limit in your account settings or press 1 to accept the charges. You can hang up to cancel.
diff --git a/views/outbound/no_balance.slim b/views/outbound/no_balance.slim
new file mode 100644
index 0000000000000000000000000000000000000000..12179809a5a0927a7424a67c678f63c9f2ade5a3
--- /dev/null
+++ b/views/outbound/no_balance.slim
@@ -0,0 +1,3 @@
+doctype xml
+Response
+	SpeakSentence= "Your balance of $#{'%.2f' % balance} is not enough to complete this call."
diff --git a/views/outbound/unsupported.slim b/views/outbound/unsupported.slim
new file mode 100644
index 0000000000000000000000000000000000000000..15a7a15c6e75fa3c7d588ddb5c5be1f0738573be
--- /dev/null
+++ b/views/outbound/unsupported.slim
@@ -0,0 +1,3 @@
+doctype xml
+Response
+	SpeakSentence The number you have dialled is not supported on your account.
diff --git a/web.rb b/web.rb
index 8eeb22ff82601f6b90dee40dfb18fcc0ae96f8bc..4b85d3ec62a9a50e9c93eb65806e3c5447b3f26d 100644
--- a/web.rb
+++ b/web.rb
@@ -8,6 +8,7 @@ require "roda"
 require "thin"
 require "sentry-ruby"
 
+require_relative "lib/call_attempt_repo"
 require_relative "lib/cdr"
 require_relative "lib/roda_capture"
 require_relative "lib/roda_em_promise"
@@ -102,6 +103,10 @@ class Web < Roda
 		opts[:customer_repo] || CustomerRepo.new(**kwargs)
 	end
 
+	def call_attempt_repo
+		opts[:call_attempt_repo] || CallAttemptRepo.new
+	end
+
 	TEL_CANDIDATES = {
 		"Restricted" => "14",
 		"anonymous" => "15",
@@ -280,18 +285,11 @@ class Web < Roda
 					customer_repo(
 						sgx_repo: Bwmsgsv2Repo.new
 					).find_by_format(from).then do |c|
-						r.json do
-							{
-								from: c.registered?.phone,
-								to: params["to"],
-								customer_id: c.customer_id
-							}.to_json
-						end
-
-						render :forward, locals: {
-							from: c.registered?.phone,
-							to: params["to"]
-						}
+						call_attempt_repo.find(
+							c,
+							params["to"],
+							params["digits"]
+						).then { |ca| render(*ca.to_render) }
 					end
 				end
 			end