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# Billing and credits

Gateway credits pay for model calls that don't use your own [provider key](/docs/documentation/admin/llm-provider-keys). You buy them ahead of time, and each request draws down the balance. Your plan is billed separately.

When the balance runs out, gateway requests that need Respan's provider keys fail with HTTP `401` and the code `activation_required` until you add credits. Requests that use your own provider key keep working.

## Add credits

#### Open Credits

Go to **Gateway** › **Credits**, which opens the **Billing** page (also at **Settings** › **Billing**). The **Overview** tab shows your plan, your **Gateway credits** balance, and your **Credit history**.

![The Billing page Overview tab: the Team Monthly plan, a gateway credit balance of \$769.50 with Auto reload and Add credits, a low balance warning at \$50, and a credit history of purchases, monthly usage, and a grant](/docs/_fern-img/1c8e8655226f9700e6ee36fd0c3438b408a491d300e8eabbf175e310923894dd.webp)![The Billing page Overview tab: the Team Monthly plan, a gateway credit balance of \$769.50 with Auto reload and Add credits, a low balance warning at \$50, and a credit history of purchases, monthly usage, and a grant](/docs/_fern-img/62f5663d90d9542fcbf044e0dc378dc1abb6fb3cd9d08f2cc3c3547002b2d9f5.webp)

#### Choose an amount

Click **Add credits** and pick **$10**, **$50**, \*\*$200**, or **Custom**. You can add $10 to \$2,000 at a time.

To keep the balance topped up, turn on **Enable auto reload** and set **When balance is below** and **Reload by**.

![The Add credits dialog with \$200 selected and auto reload on: reload by \$100 when the balance is below \$50](/docs/_fern-img/1dd77183c343391178a88d6bf13c3a758a07cd2e05f8774e5e8c985a44eb33c9.webp)![The Add credits dialog with \$200 selected and auto reload on: reload by \$100 when the balance is below \$50](/docs/_fern-img/65c0054753eaa3baf4482d11ae5e51bda70a6bfb16af030cf3a1695eeb05900c.webp)

#### Pay with Stripe

Click **Add credits**. Stripe checkout opens in a new tab. After you pay, the purchase shows up in **Credit history**.

The dialog shows the expiry terms for unused credits. To pay more than \$1,000 by invoice, click **Request invoice billing** in the dialog.

**Gateway** › **API keys** also shows your **Credit balance**. Click it to go straight to **Add credits**.

## Manage auto reload

When your balance drops below the **When balance is below** amount, auto reload adds the **Reload by** amount and charges your default card. Once it's on, click **Auto reload** next to your balance to change the amounts or the **Payment method** and click **Save**, or click **Disable** to turn it off. You can also turn it on here with **Enable auto reload**, after you add a card under **Payment method** or on the **Payments** tab.

## Set a low balance warning

Under your balance, pick an amount in **Warn when balance is below** and click **Save**. When the balance drops below it, Respan sends a **Credit low balance threshold reached** event, which you can receive with a [data webhook](/docs/documentation/admin/webhooks).

## Read your credit history

**Credit history** lists every change to your balance, newest first. **Purchase** rows are credits you bought, including auto reloads. **Usage** rows are what your requests used, one row per month once the month ends. **Grant**, **Refund**, and **Adjustment** rows are changes made by Respan. Amounts are in USD and dates are in UTC.

## Payments and invoices

On the **Payments** tab:

* **Stripe customer portal** › **Open** manages your billing details in Stripe.
* **Payment methods** lists your cards. Click **Add** to add one, the star to make it the default, or the trash icon to remove it.
* **Stripe billing history** lists your charges. Click **View** in the **Receipt** column to open a receipt.

## Change your plan

Click **Manage** (or **Upgrade** on the Free plan) on the plan card, or open the **Plans** tab. Pick **Monthly** or **Annually**, then click the Team plan's button to check out with Stripe. For Enterprise, click **Request trial** to book a call with the team.