> ## Documentation Index
> Fetch the complete documentation index at: https://docs.infery.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Credits

> One balance, every modality, predictable costs.

Everything on Infery is priced in **credits**. 1 credit ≈ \$0.01. All modalities (chat tokens, generated images, voice seconds, video frames, embeddings) use the same balance.

## Your balance

The top of every page shows your remaining credits. Hover for a breakdown:

* **Monthly credits remaining** — from your subscription plan, resets each cycle (may roll over on higher plans)
* **Topup credits remaining** — one-off purchases, never expire

Both pools are used transparently — we draw from **monthly first**, then topup.

## How costs are calculated

Each model has its own credit price, visible in the model catalog (`GET /v1/models`) and on the pricing page.

* **Text models** — priced per token (input and output rates may differ)
* **Image / video / music** — flat per-asset or per-second rates

Response header `x-credits-used` shows the exact cost of each request. Streaming responses include `credits_used` in the final SSE chunk.

## Seeing usage

Settings → **Usage** shows charts by:

* Day / week / month
* Modality
* Model
* API key
* Workspace member

Export as CSV for your own BI.

## Credit lifecycle

* **Monthly credits** renew on your billing cycle start. On plans where `monthlyCreditsExpire: true`, unused ones are lost. On Business/Scale they roll over.
* **Topup credits** are permanent — no expiry.

## When you run out

* `402 insufficient_credits` on API calls
* Playground shows a banner "Out of credits — top up to continue"
* If **Auto-pause on exhaustion** is enabled in Budget alerts, new inferences are blocked until you top up.

## Invoices

Monthly invoices for subscriptions are sent by email and stored in Settings → Billing → History. Topup invoices are emailed immediately on payment.

Stripe powers payment. All cards (Visa, Mastercard, Amex) accepted, SEPA on EU plans, wire transfer on Enterprise.