> ## 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 & Billing > How Bizzy meters compute, charges for it, and protects you when you exceed your plan Bizzy charges for two things: **what you can build** (capacity) and **what you do with it** (usage). Both are denominated in credits, and both are governed by the **tier** your account is on. This page explains the model so the line items on your bill have a story behind them. ## What is a Credit? A **credit** is the unit of measurement for usage on top of your plan. **One credit equals one cent of overage cost.** Credits accumulate against your account when you exceed the allowances bundled into your tier; you settle them up by paying for credit packs (or letting auto-recharge do it for you). Inside your tier, you don't think about credits — you have an allowance and you use it. You only feel credits when you go past it. ## Tiers There are four tiers: * **Free** — try the platform, hard caps on capacity. * **Starter** — entry-level paid plan. * **Professional** — full-featured plan for active users. * **Enterprise** — custom limits, support SLA, negotiated pricing. Each tier defines two things: how much capacity you have (the **account objects**) and how much usage is included before overages kick in (the **consumables**). ## Account Objects (Capacity) Account objects are *how much you can have* — hard caps that don't accumulate. Five of them: | Object | What it limits | | --------------- | -------------------------------------------------------- | | **Businesses** | Number of businesses you can run inside the organization | | **Seats** | Number of users with access | | **Agents** | Number of AI agents you can configure | | **MCP Servers** | Number of MCP credentials/servers | | **Automations** | Number of active automations | If you hit the cap, you can't create more without upgrading. We don't bill overages for capacity — we just stop the meter. ## Consumables (Usage) Consumables are *how much you can do* — meters that reset on each billing cycle. Five of them: | Consumable | What it counts | | ----------------- | -------------------------------------------------------- | | **LLM Tokens** | Language model tokens consumed by agents and automations | | **Email Sends** | Outbound emails | | **SMS** | SMS messages, sent and received | | **Voice Minutes** | Voice call minutes | | **Storage** | Bytes stored in your file library | Inside your tier's allowance, these are free. Past it, every increment is billed at your tier's overage rate. API and MCP requests are not consumables. They are entitled by request rate rather than a monthly allocation, so they are never metered against an allowance and never billed per call — see [Usage](/admin-guide/billing/usage) and [Rate limits](/api-reference/rate-limits). ## Tier-Based Overage Rates Higher tiers get cheaper marginal usage: | Consumable | Free | Starter | Professional | | -------------------------- | ------ | ------- | ------------ | | **LLM Tokens** (per 10k) | \$0.50 | \$0.40 | \$0.30 | | **Email Sends** (per 100) | \$0.15 | \$0.10 | \$0.05 | | **SMS** (per 10) | \$0.15 | \$0.10 | \$0.075 | | **Voice Minutes** (per 10) | \$0.30 | \$0.20 | \$0.15 | | **Storage** (per GB) | \$0.25 | \$0.15 | \$0.10 | Enterprise rates are negotiated separately. ## How LLM Usage Becomes Credits The most common source of overage in active accounts is the **LLM Tokens** meter — every message your agents and automations send to a model counts. The relationship is direct: 1. Each LLM call records the input and output tokens consumed. 2. Tokens roll up into the `llmTokens` consumable on your account. 3. Once you cross your tier's included token allowance, additional tokens are billed at your tier's overage rate (e.g., \$0.30 per 10k on Professional). 4. The dollar charge is converted into credits — \$1 of overage = 100 credits. In other words: **credits are how the bill arrives**, not how the meter ticks. ## Recharging There are two ways to top up: * **Credit packs.** One-time purchases at $10, $20, $50, or $100. Use them when you know you have a busy month coming. * **Auto-recharge.** When your credit balance dips below a threshold, Bizzy tops it up automatically — the default top-up is **\$20**. Turn it on once and you stop thinking about it. Both buy the same credits; only the trigger differs. ## When You Downgrade — Soft Disable Bizzy never deletes your work because you change tiers. If you downgrade to a tier whose **account-object** caps are below your current usage, the platform doesn't throw away your extra agents, automations, or seats — it **soft-disables** them. Soft-disabled means: * The item is paused and marked as disabled due to the downgrade. * Newest entries are disabled first; **the organization owner is never disabled**. * The data is intact — it just can't run. * Move back up a tier (or remove other items) and you can re-activate them with one click; the platform verifies you're under the cap before allowing it. This is deliberate: downgrade decisions get reversed all the time, and losing the work each time would be punitive. ## Related Topics Detailed tier comparison See your current usage Buy credit packs and configure auto-recharge View, download, and pay invoices in-app