Credits Billing System
MaiAgent platform's Credits billing system — one quota covers all AI features.
✨ MaiAgent uses the Credits billing system — a single quota covers conversations, voice, image generation, document parsing, and all other AI features, with models billed by tier and usage that is transparent and trackable.
Three Key Highlights of the Credits System
1. One Quota for All AI Features
All features are available by default, with each feature having its own independent Credits rate — one quota covers all AI services simultaneously, no need for separate procurement or multi-platform contracts, making billing more intuitive and budgets more controllable.
2. Models Billed by Tier — Budget Control Is Back in Your Hands
Cost differences between AI models can be as much as tens of times. Under the Credits system, these differences are directly reflected in your costs:
General customer service FAQ → Use Claude 4.5 Haiku to save costs
Complex analysis, deep research → Use Claude 4.6 Opus for the highest quality
Multiple AI assistants each using different models, with Credits deducted at tier-based rates — you decide how to allocate your budget
3. Transparent and Trackable — Financial Reconciliation Made Simple
Every Credits consumption is mapped to the model used, feature type, and AI assistant, and can be queried in real time on the management panel, filtered by any dimension, and exported to CSV for internal reports. No more wondering "where did the money go."
What Are Credits?
Credits are MaiAgent platform's universal billing unit. Every AI conversation, image generation, voice processing, document parsing, and other operation consumes corresponding Credits based on the model and feature used.
Core Principles
Different models, different rates: Lightweight models cost less, flagship models are billed proportionally — you decide how much each task is worth
All features billed uniformly: Text, images, voice, document parsing, web search, and more are all measured in Credits
Transparent and trackable: View Credits balance and detailed usage in real time on the management panel, with CSV export support
First in, first out: Credits are automatically deducted in FIFO order — Credits expiring soonest are used first to avoid waste from expiration
Main Model Credits Rates
Rates for representative models from each provider, with Input and Output priced separately (per 1 million tokens):
Claude 4.6 Opus
99,000
495,000
Deep research, high-quality content creation, complex reasoning
Claude 4.6 Sonnet
59,400
297,000
Complex analysis, content generation, professional Q&A
Claude 4.5 Haiku
19,800
99,000
General customer service, FAQ, simple Q&A
GPT-5
24,750
198,000
Advanced analysis, long document processing
GPT-5-mini
4,950
39,600
General Q&A, simple tasks
Gemini 3.1 Pro
39,600
237,600
Long context, complex analysis
Gemini 3 Flash
9,900
59,400
General Q&A, multimodal
The platform also supports image generation, speech-to-text, text-to-speech, document parsing, web search, and other features — all billed uniformly in Credits, with no separate add-on purchases required. For the complete rate table, go to Organization Settings → Credits → Pricing.
Available Tokens Reference by Plan
Depending on the model used, the same Credits can process different amounts of tokens:
Standard
500,000
~11.48M tokens
~3.83M tokens
~770K tokens
Professional
5,000,000
~114.78M tokens
~38.26M tokens
~7.65M tokens
Enterprise
10,000,000
~229.57M tokens
~76.52M tokens
~15.30M tokens
Credits Top-Up Plans
50,000
~1.15M tokens
500,000
~11.48M tokens
1,000,000
~22.96M tokens
2,500,000
~57.39M tokens
Plan Quota vs. Top-Up Credits
The subscription plan's "monthly quota" and "top-up Credits" are two independent but complementary pools. The system automatically handles the deduction order — you don't need to allocate manually.
Comparison
Source
Automatically issued with subscription plan
Purchased by you at any time
Issuance Timing
Beginning of each month
Effective immediately after purchase
Validity
Expires at end of month, unused balance does not carry over
Valid for 12 months from purchase date
Use Case
Standard daily usage
Supplement when monthly quota is insufficient / unexpected demand
Deduction Order: First to Expire, First Deducted (FIFO)
The system uses FIFO (First In, First Out) logic, determining deduction order based on "expiration date":
The purpose of this design: Prevent your top-up Credits from being consumed while monthly quota goes to waste due to expiration.
Example: You are an Enterprise customer (10,000,000 Credits monthly quota) and purchase 1,000,000 Credits mid-month.
The system first uses up the remaining monthly quota (expires at month-end)
Top-up Credits of 1,000,000 are only used after the monthly quota is exhausted (preserved for use anytime within 12 months)
Why Two Types?
Subscription plan quota = Stable daily budget, fixed every month
Top-up Credits = Flexible backup, available for immediate replenishment when business demand surges
Together they let you control your budget while handling fluctuations
AI Gateway Traffic Fees for Self-Hosted Models
When an organization uses an AI Gateway model with its own credentials or infrastructure, MaiAgent does not charge the platform's LLM token rates. Instead, it charges a traffic fee based on the total number of tokens in each request. The total includes input tokens, output tokens, prompt cache writes, and prompt cache reads. The actual percentage depends on the organization's settings.
Use Case
For example, an IT department connects a company-hosted model to AI Gateway, and a finance team member wants to verify the cost of these requests at the end of the month. They first check the organization's traffic fee rate under “Pricing,” then filter for platform fees under “Consumption Records.” The page lists AI Gateway traffic fees separately, allowing them to reconcile self-hosted model traffic against hosted model charges.
View Traffic Fee Rates and Consumption
Go to Organization Settings → Credits → Pricing.
Under “Platform Fees,” find AI Gateway Traffic Fee and review the “total tokens × percentage” rate description.
Switch to Consumption Records and filter by “Platform Fees” to view actual deductions.
Hover over an AI Gateway traffic fee entry to verify the input, output, cache write, cache read, and billing percentage details.
Traffic fee details appear in Consumption Records only after the organization actually uses a self-hosted (BYOK or independently hosted) AI Gateway model. Pricing shows the current rate, while historical entries retain the billing information that applied when each transaction occurred.
Credits Management Panel
You can access the management interface at Organization Settings → Credits, which includes four tabs:
Overview
View total Credits balance and soon-to-expire credits in real time
Monthly usage trend chart
Expiring Credits reminders
Deposit Records
Displays every Credits source: plan issuance, top-ups, gifts, etc.
Shows validity periods (monthly quota expires at month-end, top-ups valid for 12 months from purchase date)
Uses FIFO deduction (first to expire, first deducted), fully showing the remaining balance of each deposit
Supports CSV export for financial bookkeeping and annual audits
Consumption Records
Filter usage details by date, type, AI assistant, and other dimensions
Each consumption entry shows the model used, Credits consumed, and corresponding event
Supports CSV export for record-keeping or external analysis (a best friend for internal financial reconciliation)
Pricing
Complete listing of all model and feature rates
Covers all billing categories including LLM conversations, voice, knowledge base, web scraping, tools, AI assistant computation, Avatar, and more
View Conversation Attachment and Derived File Storage Fees
Files uploaded in conversations use "Conversation Attachment Storage." Format conversions, reprocessed copies, and speech transcription copies generated when the system processes files use "Derived File Storage." Both are billed in MB per month, with Credits deducted daily based on actual usage. Original files are billed under the corresponding storage item and are not billed again as derived files.
Go to Organization Settings → Credits.
Switch to Pricing.
Expand Knowledge Base and Vector Search System.
Review the Credits per unit and billing units for Conversation Attachment Storage and Derived File Storage. Hover over the information icon to view retention and billing details.
Use Case
The customer service manager at MaiAgent regularly asks visitors to upload screenshots of their issues in conversations. During month-end reconciliation, she goes to Credits "Pricing" and expands "Knowledge Base and Vector Search System" to confirm which rate applies to conversation attachments and which applies to processed copies. After reviewing the attachment retention details, she downloads any screenshots that need to be kept before the deadline. Attachments that are no longer used are automatically deleted when the retention period ends, so they no longer incur storage fees.
Quota Allocation
Administrators can set individual Credits spending limits and validity periods for each member
Supports distributing, editing, and disabling quotas, as well as a "Require Quota" toggle for access control
Searchable member filtering by status (Active / Expired / Unallocated)
See Member Credits Quota Management for details.
FAQ
Q: Can I use different models together?
Yes. The Credits system deducts corresponding Credits based on the model tier used — use the affordable Haiku for customer service FAQ, use Opus for deep analysis. Budget allocation is entirely in your hands.
Q: How do I view my Credits usage?
Go to Organization Settings → Credits. The Overview page shows your real-time balance, the Deposit Records page shows every Credits source and validity period, and the Consumption Records page lets you view detailed usage with CSV export support.
Q: What happens when my monthly quota runs out?
When your monthly Credits quota is exhausted, AI assistants will pause responses. You can purchase additional Credits at any time — effective immediately after purchase. Top-up Credits are valid for 12 months from the purchase date.
Q: Can I still use the platform when my plan expires or I don't have a paid plan?
Starting from 2026-06-09, organizations without an active paid plan (including free plans, expired trials, and unrenewed expired plans) will be prompted to upgrade when performing operations that require AI computation. Data is fully retained by the platform for 90 days from the plan expiration date. During this period, only storage space Credits fees are incurred (settled upon plan reactivation). Resubscribing within 90 days restores everything in full; data not claimed after 90 days will be permanently deleted and cannot be recovered. See Trials and Subscription Plans — What happens to data when a plan expires or downgrades to free? for details.
Q: Do Credits expire?
Monthly plan quota Credits expire at the end of the current month
Top-up Credits are valid for 12 months from the purchase date
Need Help? Contact Us
To learn more about how the Credits system can work with your company's budget control needs, or to get recommendations on plan configuration and top-up options, contact us through the following channels:
Sales Team: sales@maiagent.ai
Website: https://maiagent.ai
Thank you for choosing MaiAgent. We will continue to build a more flexible, cost-effective, and trustworthy AI service for you.
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