> ## Documentation Index
> Fetch the complete documentation index at: https://docs.bizzyco.ai/llms.txt
> Use this file to discover all available pages before exploring further.
# Credits
> Pre-pay for usage beyond your plan with one-time top-ups or auto top-up
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](/admin-guide/billing/usage).
## 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
## View your credit balance
1. Navigate to **Settings > Account > Billing**
2. Find the **Credits** card
The card shows:
| Field | Meaning |
| ----------------------- | -------------------------------------------------------------------------------------------------------------------- |
| **Current balance** | Available credits in USD. A **Low Balance** badge appears when the balance is at or below your low-balance threshold |
| **Lifetime added** | Total credits ever purchased or auto-topped-up |
| **Lifetime spent** | Total credits ever consumed by overages |
| **Recent Transactions** | 5 most recent credit movements (purchase, auto top-up, consumption, refund) with amount and running balance |
If you have more than 5 transactions, a **History →** button expands the list to
show all movements.
## 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.
### After you submit
Once you click **Pay**, one of three outcomes appears on the billing page:
| Outcome | What you see |
| ---------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Immediate success** | The Credits card refreshes with the new balance. |
| **Payment processing** | A notice reading "Your payment is processing. We'll email you when it completes." Credits are added to your account once the payment settles (typically minutes for most methods). |
| **Payment error** | A notice reading "We couldn't confirm your payment. Please try again." No credits are added; re-open the purchase dialog to retry with a different card if needed. |
The processing outcome applies to bank-debit methods (SEPA, BACS, and similar)
that settle asynchronously. Card payments resolve immediately.
Credits do not expire and roll over month to month. They are not refundable
except where required by law.
## 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**
| Setting | Range |
| ---------------------------------- | ----------------------------- |
| When credits are below (threshold) | \$0 up to the purchase amount |
| Purchase this amount | $5 – $100,000 |
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.
A failed auto top-up does not retry automatically. Update your default card
on the [Payment methods](/admin-guide/billing/payment-methods) page and
trigger a one-time purchase to restore service.
## 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:
| Notification | When |
| ------------------------- | --------------------------------------------------------------------------------------------- |
| `credit_balance_low` | Balance falls below your auto top-up threshold (or a default threshold if auto top-up is off) |
| `credit_balance_depleted` | Balance reaches zero |
## Next steps
See current usage and per-tier overage rates
View and pay invoices for credit purchases