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Credit System Overview

ModelStack uses a credit-based billing system. Credits are consumed based on token usage at per-model rates. There are two types of credits:
  1. Subscription credits — Auto-refill on a ~5-hour schedule with your plan
  2. Lifetime credits — Purchased separately, never expire

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Subscription Credits

Every plan includes subscription credits that auto-refill on a regular schedule.

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How Refills Work

  • Credits refill on a ~5-hour schedule (several times per day)
  • Each refill adds your plan’s credit amount (e.g., 250 credits for Starter)
  • Credits are capped at a weekly maximum
  • Credits reset after 7 days from your subscription start date
  • Unused subscription credits don’t carry over past the weekly window
Refills are scheduled; the platform aligns refill runs to a consistent ~5-hour cadence.

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Example

With the Starter plan ($20/mo):
  • Every ~5 hours, 250 credits are scheduled
  • Over a full week, up to 2,000 credits are available
  • If you don’t use all credits from one refill period, they accumulate up to the weekly cap

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Lifetime Credits

Lifetime credits are purchased separately as a one-time deposit. They never expire and remain in your account until used.

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Purchase Options

Purchase lifetime credits from your Dashboard.

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Plan-Based Discounts

Subscribers receive discounts when consuming lifetime credits:
The discount applies to consumption — you pay full price when purchasing credits, but each API call costs less against your lifetime balance.

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Consumption Order

Credits are consumed in a specific order:
  1. Subscription credits are always consumed first at base model pricing
  2. Once subscription credits are exhausted, lifetime credits are used with your plan’s discount rate applied
  3. When both balances reach zero, API calls return a 402 Insufficient Balance error

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What Happens When Credits Run Out?

When both subscription and lifetime credits are exhausted:
  • API calls fail with a 402 status code
  • You can purchase more lifetime credits anytime from your dashboard
  • Subscription credits will automatically refill at the next scheduled interval (~5 hours)