Two bills, not one
The single most useful thing to understand is that there are two independent things being charged for. The messaging platform charges for messages or conversations according to its own published rate card. Separately, whoever provides the software you use to send and receive those messages charges for the software, typically per user or per month, and sometimes with an additional per-message platform fee of their own.
These are different bills with different logic, and confusing them produces bad decisions in both directions. Teams sometimes choose an expensive software provider because the message rates looked competitive, and sometimes choose a cheap tool that makes their message volume balloon. Ask any vendor to write down which charges are pass-through and which are theirs, and keep that document.