> For the complete documentation index, see [llms.txt](https://docs.maiagent.ai/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.maiagent.ai/maiagent-user-guide/maiagent-user-guide-en/org/credits.md).

# Credits Billing System

{% hint style="success" %}
✨ **MaiAgent billing has been fully upgraded to the Credits point system — unlock a more flexible, more cost-effective AI service experience**

**Multiple enterprise customers have already upgraded early** (including finance, government, retail, and other industries), using a single quota to simultaneously enjoy conversations, voice, image generation, and all other AI features. **Full conversion starts from 2026/06/02**. Your existing quota is automatically converted at 1 character = 1 Credit, with **no changes to AI assistant settings and no service interruption**.

💼 **Want to upgrade early and enjoy the full feature set?** Contact <sales@maiagent.ai>, and we'll provide customized conversion recommendations for you.
{% endhint %}

<figure><img src="/files/GfykjiAkIj1hFbzMt6fM" alt=""><figcaption><p>Credits billing fully upgraded — one quota covers all AI features</p></figcaption></figure>

## What You Get <a href="#what-you-get" id="what-you-get"></a>

| After Upgrade                                                                                                                                                                              | What You Had to Do Before                                                                                                                                                                                                                                                                                |
| ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| ✅ Use a single quota to simultaneously access **conversations, voice, image generation, document parsing, web search** and all features, with each feature having its own independent rate | 🔓 **Advanced features** (voice assistant, meeting transcription, customer service center) required separate add-on purchases; multimodal features (image generation, voice, documents, etc.) were uniformly converted to character counts deducted from the main quota (e.g., 1 image = 500 characters) |
| ✅ Models are **billed by tier** — use cheaper models for lightweight tasks to save Credits, use flagship models for important tasks with proportional billing                              | ⚖️ All models were priced the same regardless of which one was used, making it impossible to optimize costs by use case                                                                                                                                                                                  |
| ✅ A brand-new management panel to **view balances, usage details, and rates in real time**, with CSV export support for financial reconciliation                                           | 📊 Multimodal usage was uniformly displayed as character counts, making it difficult to break down costs by feature                                                                                                                                                                                      |
| ✅ Quota converted 1:1 automatically, **numbers stay the same, but actual processable token volume increases significantly**                                                                | —                                                                                                                                                                                                                                                                                                        |

<figure><img src="/files/4iKCpJJin3XAZZxEZrSo" alt=""><figcaption><p>Upgrading from character-based billing to Credits: one quota covers everything, models billed by tier</p></figcaption></figure>

***

## Why Are Customers Upgrading Early? <a href="#why-customers-upgrade-early" id="why-customers-upgrade-early"></a>

Before announcing the full conversion, multiple enterprise customers (spanning finance, government, retail, and other industries) had already proactively applied to switch to the Credits system early. Their three common reasons:

### 1. One Quota for All AI Features <a href="#one-quota-for-everything" id="one-quota-for-everything"></a>

Previously, advanced features such as **voice assistant, meeting transcription, and customer service center** required separate add-on purchases; other multimodal features (image generation, speech-to-text, document parsing) were uniformly converted to character counts and deducted from the main quota (e.g., 1 image = 500 characters).\
After upgrading, **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**.

<figure><img src="/files/L7TrYszUu4akSdZ7hCJe" alt=""><figcaption><p>One Credits quota simultaneously supports conversations, voice, image generation, document parsing, web search, and tool calls</p></figcaption></figure>

### 2. Models Billed by Tier — Budget Control Is Back in Your Hands <a href="#multi-model-budget-control" id="multi-model-budget-control"></a>

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 <a href="#transparent-tracking" id="transparent-tracking"></a>

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? <a href="#what-is-credits" id="what-is-credits"></a>

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 <a href="#core-principles" id="core-principles"></a>

* **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 <a href="#model-rates" id="model-rates"></a>

Rates for representative models from each provider, with **Input and Output priced separately** (per 1 million tokens):

| Model                 | Input Credits / 1M tokens | Output Credits / 1M tokens | Use Cases                                                       |
| --------------------- | ------------------------- | -------------------------- | --------------------------------------------------------------- |
| **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                                        |

{% hint style="info" %}
**Real usage example**: Using the most common **Claude 4.5 Haiku**, a single customer service conversation of approximately 500 characters consumes about **25–50 Credits**. Adding 1,000,000 Credits can support tens of thousands of customer service conversations — and the same quota can also be used for voice processing, image generation, and document parsing.
{% endhint %}

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 <mark style="color:blue;">**Organization Settings**</mark> → <mark style="color:blue;">**Credits**</mark> → <mark style="color:blue;">**Pricing**</mark>.

***

## Plan Adjustment Comparison <a href="#plan-comparison" id="plan-comparison"></a>

### Old vs. New System Differences <a href="#old-vs-new" id="old-vs-new"></a>

| Item              | Old System (Character-Based)                                                                                                                       | New System (Credits-Based)                                         |
| ----------------- | -------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------ |
| Billing unit      | Characters                                                                                                                                         | Credits                                                            |
| Monthly quota     | Fixed character quota                                                                                                                              | Fixed Credits quota                                                |
| Add-on purchases  | 1,000,000 characters                                                                                                                               | 1,000,000 Credits                                                  |
| Model billing     | Same price for all models                                                                                                                          | Different rates by model tier — **you configure flexibly**         |
| Advanced features | Voice assistant, meeting transcription, contact center require separate purchases; multimodal features converted to character counts for deduction | **All features available by default, each with its own rate**      |
| Usage dashboard   | Organization Settings → Usage Statistics                                                                                                           | Organization Settings → Credits (**all-new management dashboard**) |

### Plan Migration Mapping <a href="#plan-migration-mapping" id="plan-migration-mapping"></a>

| Plan         | Old System (Monthly Characters) | New System (Monthly Credits) |
| ------------ | ------------------------------- | ---------------------------- |
| Standard     | 500,000 characters              | 500,000                      |
| Professional | 5,000,000 characters            | 5,000,000                    |
| Enterprise   | 10,000,000 characters           | 10,000,000                   |

{% hint style="success" %}
Your quota numbers remain the same (e.g., 500,000 characters → 500,000 Credits), **1:1 direct conversion, no reduction**.\
However, because Credits map to tokens more efficiently, when using the same tier of model, **the actual usable volume increases significantly**.
{% endhint %}

### Available Tokens Reference by Plan <a href="#plan-token-reference" id="plan-token-reference"></a>

Depending on the model used, the same Credits can process different amounts of tokens:

| Plan         | Monthly Credits | Claude 4.5 Haiku \~Can Process | Claude 4.6 Sonnet \~Can Process | Claude 4.6 Opus \~Can Process |
| ------------ | --------------- | ------------------------------ | ------------------------------- | ----------------------------- |
| 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 <a href="#topup-plans" id="topup-plans"></a>

| Credits   | Claude 4.5 Haiku approx. |
| --------- | ------------------------ |
| 50,000    | \~1.15M tokens           |
| 500,000   | \~11.48M tokens          |
| 1,000,000 | \~22.96M tokens          |
| 2,500,000 | \~57.39M tokens          |

{% hint style="info" %}
**Expiration Rules**\
• **Monthly plan quota** Credits expire at the end of the current month\
• **Top-up** Credits are valid for **12 months** from the purchase date; unused Credits will expire after the validity period
{% endhint %}

***

## Plan Quota vs. Top-Up Credits <a href="#plan-vs-topup" id="plan-vs-topup"></a>

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 <a href="#plan-vs-topup-comparison" id="plan-vs-topup-comparison"></a>

| Item                | Plan Quota (Monthly)                                            | Top-Up Credits                                                    |
| ------------------- | --------------------------------------------------------------- | ----------------------------------------------------------------- |
| **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) <a href="#fifo-deduction" id="fifo-deduction"></a>

The system uses **FIFO (First In, First Out)** logic, determining deduction order based on "**expiration date**":

```
Daily usage → First deducts from current month's "plan quota" (expires at month-end)
           → When quota is exhausted → Automatically deducts from "top-up Credits" (by purchase date order)
           → Month-end reset → Next month's quota is issued again
```

The purpose of this design: **Prevent your top-up Credits from being consumed while monthly quota goes to waste due to expiration**.

{% hint style="success" %}
**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)
  {% endhint %}

### Why Two Types? <a href="#why-two-types" id="why-two-types"></a>

* **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**

***

## Credits Management Panel <a href="#management-panel" id="management-panel"></a>

After upgrading, you can access the brand-new management interface at <mark style="color:blue;">**Organization Settings**</mark> → <mark style="color:blue;">**Credits**</mark>, which includes four tabs:

### Overview <a href="#overview-tab" id="overview-tab"></a>

* View total Credits balance and soon-to-expire credits in real time
* Monthly usage trend chart
* Expiring Credits reminders

<figure><img src="/files/3shPVl2cXjoGvPSSbI2J" alt=""><figcaption><p>Overview Tab: Real-time Credits balance and expiration reminders</p></figcaption></figure>

### Deposit Records <a href="#deposits-tab" id="deposits-tab"></a>

* Displays every Credits source: plan issuance, top-ups, gifts, transition conversions, 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

<figure><img src="/files/tHfoYTQwlS5R5POT9Rcs" alt=""><figcaption><p>Deposit Records Tab: Complete view of Credits sources, validity periods, and remaining balances</p></figcaption></figure>

### Consumption Records <a href="#consumption-tab" id="consumption-tab"></a>

* 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)

<figure><img src="/files/zLpNBNGljd1jcSEEAmho" alt=""><figcaption><p>Consumption Records Tab: Every usage detail maps to a model, AI assistant, and event</p></figcaption></figure>

### Pricing <a href="#pricing-tab" id="pricing-tab"></a>

* 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

<figure><img src="/files/hHgnNLupqIdYgcj5A5wK" alt=""><figcaption><p>Pricing Tab: Complete rate table for all models and features</p></figcaption></figure>

### Quota Allocation <a href="#quota-tab" id="quota-tab"></a>

* 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](/maiagent-user-guide/maiagent-user-guide-en/org/credits/member-credit-quota.md) for details.

***

## Migration Timeline <a href="#migration-timeline" id="migration-timeline"></a>

<figure><img src="/files/R4MiooZ0kB8QGsdeNnRL" alt=""><figcaption><p>Migration Timeline: Early upgrade is now available; full conversion to Credits system on 2026/06/02</p></figcaption></figure>

| Phase                                      | Date         | Description                                                                                                                                                                       |
| ------------------------------------------ | ------------ | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Current Phase: Early Upgrade Available** | Starting now | Multiple enterprise customers (finance, government, retail, and other industries) have already upgraded early to enjoy the full feature set. Contact <sales@maiagent.ai> to apply |
| **2026/06/02: Full Conversion**            | 2026/06/02   | All organizations that have not yet switched will be automatically converted on this date, with remaining character quotas converted at 1 character = 1 Credit                    |

{% hint style="success" %}
**No service interruption, no setting changes**\
Your service will not be interrupted during migration. All AI assistants, knowledge bases, and tool settings require no adjustments. At the time of conversion, the system will automatically convert your remaining character quota to Credits at **1 character = 1 Credit**, preserving the original expiration dates.
{% endhint %}

{% hint style="info" %}
💼 **If you have any concerns or want to evaluate upgrading early**, contact the sales team: <sales@maiagent.ai>\
We'll provide customized conversion recommendations based on your usage patterns and contract terms.
{% endhint %}

***

## FAQ <a href="#faq" id="faq"></a>

### Q: Will the Credits system be more expensive than before? <a href="#faq-pricing-change" id="faq-pricing-change"></a>

**No**. When designing Credits rates, we ensured that costs for using the same tier of model are comparable to before, or even more favorable. Using Claude 4.5 Haiku as an example, the same Credits quota allows for more token usage than the old system.\
More importantly — after upgrading, you **no longer need to pay separately for advanced features like voice and image generation**. What previously required separate purchases is now covered by a single quota.

### Q: Do I need to change my AI assistant settings after upgrading? <a href="#faq-agent-settings" id="faq-agent-settings"></a>

**Not at all**. All your existing AI assistant settings, knowledge bases, tools, integration channels, and more are unaffected. The system will automatically bill in Credits. **Your IT department doesn't need to do anything**.

### Q: What happens to my existing character quota? <a href="#faq-existing-quota" id="faq-existing-quota"></a>

Your remaining character quota will be automatically converted to Credits at a ratio of **1 character = 1 Credit**, **with no reduction**. The converted Credits retain their original expiration dates.

### Q: Can I use different models together? <a href="#faq-mixed-models" id="faq-mixed-models"></a>

**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: Can I upgrade early? How do I do it? <a href="#faq-early-upgrade" id="faq-early-upgrade"></a>

**You're welcome to upgrade early!** Multiple enterprise customers (finance, government, retail, and other industries) have already switched early and are enjoying the full feature set.\
Contact <sales@maiagent.ai>, and we'll provide customized conversion timeline and recommendations based on your usage and contract terms.

### Q: How do I view my Credits usage? <a href="#faq-view-usage" id="faq-view-usage"></a>

Go to <mark style="color:blue;">**Organization Settings**</mark> → <mark style="color:blue;">**Credits**</mark>. 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? <a href="#faq-quota-exhausted" id="faq-quota-exhausted"></a>

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: My current contract hasn't expired. Do I have to migrate immediately? <a href="#faq-contract-not-expired" id="faq-contract-not-expired"></a>

You don't need to migrate immediately. The system will automatically complete the conversion **before 2026/06/02**.\
However, we **strongly recommend upgrading early** — because once you upgrade, advanced features like voice, image generation, and document parsing are immediately included in the same quota, with no separate add-on purchases needed. If you have any concerns, contact <sales@maiagent.ai> to discuss.

### Q: Can I still use the platform when my plan expires or I don't have a paid plan? <a href="#faq-no-active-plan" id="faq-no-active-plan"></a>

**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?](/maiagent-user-guide/maiagent-user-guide-en/others/trial-and-plans.md#data-retention-policy) for details.

### Q: Do Credits expire? <a href="#faq-expiration" id="faq-expiration"></a>

* **Monthly plan quota** Credits expire at the end of the current month
* **Top-up** Credits are valid for 12 months from the purchase date

***

## Want to Upgrade Early? Contact Sales Now <a href="#contact-sales" id="contact-sales"></a>

If after reading this guide you want to:

* Upgrade early to enjoy the full feature set including **voice, image generation, model tier-based billing**, and more
* Evaluate the most cost-effective way to convert your current contract
* Learn how the Credits system can work with your company's budget control needs

Contact us through the following channels:

* **Sales Team (early upgrade / customized recommendations)**: <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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