Billing and credits

Accounts are prepaid. Credits come in by card, and every billable unit (an AI call, an action, an email, a database day, a live company filing) is drawn from them at the price on its usage line, the moment it is recorded. A new account starts with $2 of trial credit.

#Your balance

vibiz billing                       # balance, status, card, auto-recharge, recent history
vibiz billing top-up 25             # a payment link for $25 (a person opens it and pays)
vibiz billing history --kind usage  # what used the money, one line per day
vibiz billing auto-recharge on --threshold 5 --amount 25   # owner key

curl https://app.vibiz.app/v1/billing -H "Authorization: Bearer $VIBIZ_API_KEY"

{
  "object": "billing",
  "mode": "credits",
  "balance_cents": 1834,
  "status": "active",
  "card": { "brand": "visa", "last4": "4242", "exp_month": 12, "exp_year": 2030 },
  "auto_recharge": { "enabled": true, "threshold_cents": 500, "amount_cents": 2500, "failures": 0, "disabled_reason": null },
  "daily_spend_limit_usd": 5,
  "agent_domain_limit_cents": null,
  "agent_email_limit_per_month": null,
  "next_step": null,
  "console_url": "https://app.vibiz.app/billing"
}

What is running keeps running at any balance: sites, databases, sign-in and analytics are never stopped or deleted for money. Free things keep working too: your own AI provider key, connector calls, reads, the console, and adding credits.

Credits held for a broadcast. When a broadcast is sent or scheduled, its cost (recipients × $0.001) is held: the balance other calls can spend is lower by what it hasn't sent yet, and each batch is charged as it goes out (an email.marketing line in usage). Canceling releases what wasn't sent. Agents and marketing email: agent_email_limit_per_month (owner, PATCH /v1/billing, null turns it off) lets agents send broadcasts and run automations up to that many emails a month without the owner pressing Send (Email).

#Adding credits

In the console: Billing ▸ Add credits ($10, $25, $50, $100 or any amount from $5 to $1,000). You pay on a hosted card page; receipts come by email. The card is saved for auto-recharge unless you untick it. POST /v1/billing/checkout {"amount_cents": 2500} returns the same page's url.

Auto-recharge charges the saved card when the balance falls below a threshold (at least $5), for an amount you choose ($10–$1,000). If the card is declined you get an email and it tries again an hour later; after two declines in a row it turns itself off.

#The daily safety cap

Separate from the balance, each account has a daily cap on AI and actions (default $5 per UTC day). It stops a looping agent from spending the whole balance in one go. An owner raises it in Billing or with PATCH /v1/billing {"daily_spend_limit_usd": 50} (up to $1,000). Past it: 429 rate_limited, details.reason: "daily_spend".

#When credits run out

{ "error": { "code": "payment_required", "message": "This account is out of credits. Add credits to keep using paid calls.",
  "details": { "reason": "insufficient_balance", "balance_cents": 0,
    "next_step": "Tell the user: add credits in the console ▸ Billing (or turn on auto-recharge). Retrying will not work until then.",
    "console_url": "https://app.vibiz.app/billing", "top_up_url": "https://app.vibiz.app/billing?top_up=1" } } }

A call is also refused when its worst case (an AI call's max_tokens at list price) could take the balance more than $0.50 below zero. Lower max_tokens or add credits.

#A live company filing

A production filing is paid before it is filed: from the balance (POST …/company/submit answers 402 when the credits fall short of the quote), or by card with POST /v1/projects/:id/company/checkout?env=production (the same body as submit), which files it the moment the payment arrives. A filing the partner refuses is refunded: to the balance, or to the card it was paid with.

#What agents can and can't do

Agents read the balance (vibiz_billing, vibiz_usage shows limits.credits) and can make a payment link for a person (vibiz_billing top_up); they never take card data. Changing auto-recharge, the cap or the card is an owner's.