Credits

Credits are a USD balance on your account that Bizzy draws from when usage exceeds your monthly plan allowance. Every consumable — LLM tokens, storage, email sends, SMS, and voice minutes — bills against credits at the per-tier overage rate. API and MCP requests are rate limited rather than metered, so they never draw on credits. For the full per-tier overage table and how usage is tracked, see Usage and metrics.

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Prerequisites

• You must be an Owner or Admin to view the credit balance, purchase credits, or change auto top-up settings
• Credit purchases use the same payment method as your subscription

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View your credit balance

1. Navigate to Settings > Account > Billing
2. Find the Credits card

The card shows: If you have more than 5 transactions, a History → button expands the list to show all movements.

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One-time credit purchase

To buy credits without enabling auto top-up:

1. On the Credits card, click Purchase Credits
2. In the Purchase Credits dialog, enter an amount in USD
3. Click Purchase
4. Complete payment in the embedded Stripe Checkout form. Apple Pay, Google Pay, and Link appear inside the same payment form when your browser supports them — no separate wallet button row

The amount field is free-form: the default is $10**, the minimum is **$5, and the maximum is $1,000 per purchase. Credits land in your account immediately on successful payment.

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After you submit

Once you click Pay, one of three outcomes appears on the billing page: The processing outcome applies to bank-debit methods (SEPA, BACS, and similar) that settle asynchronously. Card payments resolve immediately.

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Auto top-up

Auto top-up keeps your credit balance topped up automatically so usage never gets cut off mid-month. It’s off by default. To configure auto top-up:

1. On the Credits card, in the Auto Top-Up section, click Enable (or Manage if already enabled)
2. In the Auto Top Up dialog, toggle Enable auto top up on
3. Confirm your default payment method, or add one if none is on file
4. Set When credits are below — the balance at which a top-up fires
5. Set Purchase this amount — how much to add per top-up
6. Click Save

When your balance drops below the threshold, Bizzy charges your saved payment method for the purchase amount and credits your balance. You receive a credit_auto_recharge_triggered notification on each successful top-up and a credit_purchase_failed notification if the charge fails.

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What happens when credits run out

When your monthly allowance is exhausted and your credit balance is depleted, behavior depends on the consumable:

• LLM tokens (agent chat). Agent conversations are blocked. The chat shows an Out of Credits card with a button to purchase more
• Other consumables (email, SMS, voice, storage). New requests fail until you top up credits, your billing cycle resets, or you upgrade
• API and MCP requests. Unaffected — they are governed by per-minute rate limits, not credits
• Free tier. Same behavior — Free accounts can purchase credits to keep working past the included allowance

You also receive notifications as you approach exhaustion:

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Next steps