Credits and auto top-up
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Usage Credits are a prepaid balance that pays for your usage. Add credits once and they stay in your account until you use them, and auto top-up can keep the balance funded for you 💵
Credits are for every account: any signed-in account can add and spend them, with or without a subscription. New accounts start with the one-time welcome credit, and BYOK keys and Local AI stay free lanes.
Credits fund every kind of paid usage from one balance: chat, image, audio and video generation, web search, code, tools, and cloud-computer compute all draw from the same place. When you spend credits you pay the model prices shown in the app.
The welcome credit is part of the same balance with one restriction: it only covers operations priced at most $1. Anything above that needs real credits, and your first top-up unlocks every model.
Credits never expire and there is no monthly reset. Whatever you do not spend carries over.
Auto top-up charges your card only when your balance drops below the threshold you set. If you want a hard monthly ceiling on those charges too, set one in the same place.
Open Billing from the account menu, or go to /app/billing
Find the Auto Top-Up section and set the monthly ceiling (leave it blank for no ceiling)
The ceiling caps what auto top-up can charge in a calendar month. Manual top-ups are always exactly what you choose. See Plans, credits, and the welcome credit for how the walls work.
Adding credits needs no subscription: every signed-in account can top up, and your first top-up (from $5) permanently unlocks the full model catalog.
Open Billing from the account menu, or go to /app/billing
Pick an amount with the slider. The default is $5, anywhere from $5 to $500, with quick picks at $25, $50, $100, and $250.
Confirm in the checkout. Your balance updates as soon as the payment clears.
A top-up fee (the greater of 4.9% or $0.50) plus any applicable tax is added on top of the amount you choose. Only the amount you chose lands in your balance. Your invoice shows the base, the fee, and the tax separately.
Accounts without two-factor authentication can add at most $100 per day. If the dialog offers to set up two-factor authentication, that clears the cap right away. See Secure your account.
Self-serve top-ups are available in a set of supported countries. If checkout is not available where you are, contact support about other options.
Auto top-up keeps your balance funded so a long task is never cut off. When your balance falls below a threshold you set, idapt adds more credits using your saved payment method.
Add a default payment method first: auto top-up needs one saved to run.
On the Billing page, turn on Auto Top-Up
Set the top-up amount and the balance threshold that triggers it, and optionally a monthly limit
If you use idapt heavily, turn on auto top-up with a comfortable monthly limit. You stay funded without having to watch your balance.
Auto top-up runs only while your payment method stays on file. If it is removed, auto top-up turns itself off, so you are never charged unexpectedly.
Your Credit balance belongs to you. When you cancel or your subscription lapses, any remaining balance is preserved: it is not deleted, it does not expire, and it stays spendable. A subscription is a rights upgrade, never a condition for spending what you already own.
If you would rather have the money back, contact support and the remaining balance is refunded on request.
Your spend history and spending chart live on /app/activity. Your balance, Buy Credits, Auto Top-Up, payment methods, and billing address live on /app/billing. See Invoices, taxes, and refunds.
Related articles
Plans, credits, and the welcome credit
How the welcome credit, subscription plans, and your Credit balance fit together, and what happens when you reach a limit.
When a model is locked
Why pricier models are greyed in the picker, what the welcome credit covers, and what a top-up unlocks.
Invoices, taxes, and refunds
Find your invoices, add a business tax id, understand VAT, and learn when a purchase can be refunded.
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