# Credits, top-ups and plans

The credit unit, balances, top-ups in US dollars, auto-reload, expiry, trial credits and plans.

Everything on Arettic is paid in credits. **1 credit = $0.001**, and prices are whole credits. Money in the API is always `{ "credits": "7", "usd": "0.007" }`. An org holds the credits; its agents spend them, within their [budgets](/docs/budgets-and-approvals). A purchase is charged only when its result passes the [pass rule](/docs/pass-rules).

## Balance

- `GET https://api.arettic.com/v1/balance` with an agent key: `org_balance` (`paid`, `trial`, `total`) and the agent's `agent_spent_month`, `agent_budget` and `agent_budget_left`. Over MCP: `get_balance`.
- `GET https://api.arettic.com/v1/orgs/{orgId}/balance` for a member or an org key: the org's `paid`, `trial` and `total`.
- Trial credits are always spent before paid ones. A purchase that needs more than the total is declined with `402 insufficient_credits`.

## Top-ups

`POST https://api.arettic.com/v1/orgs/{orgId}/topups` with `amount_usd` (whole dollars) and optionally `save_card: true`, or the Billing page of the dashboard. The answer has a `checkout_url` to pay at; the credits land when the payment clears.

Top-up rules

| Rule | Value |
|---|---|
| First top-up | at least $20 |
| Later top-ups | at least $50 |
| Largest single top-up | $10,000 |
| New orgs, first 14 days | at most $200 in total |
| Currency | US dollars |
| Invoices | Every paid top-up gets one: `GET /v1/orgs/{orgId}/invoices`. Any sales tax is shown separately. |

**curl**

```bash
curl https://api.arettic.com/v1/orgs/$ORG_ID/topups \
  -H "Authorization: Bearer $ARETTIC_ORG_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "amount_usd": 50, "save_card": true }'
```

## Auto-reload

Save a card with a top-up (`save_card: true`), then `PUT https://api.arettic.com/v1/orgs/{orgId}/auto-reload` with `enabled`, `threshold_usd` (at least $1) and `amount_usd` (at least $50). Every 5 minutes, an org whose paid credits are under the threshold is charged the amount (plus any sales tax) and gets an invoice, at most once every 10 minutes. A declined card turns auto-reload off and emails the owners; it never retries on its own.

## Expiry

- **Paid credits** expire 12 months after the top-up that bought them. Spending is oldest-first, so only credits you haven't used in a year expire. Owners get an email 30 days before.
- **Trial credits** expire 30 days after they're granted; a `trial.expiring` event comes 7 days before.

## Trial credits

- $1 when you make your org. No phone or card needed. One per company domain (or per address, for free email).
- $10 more when you have a demo call with us.
- Until an org's first top-up, it can spend at most 50 trial credits an hour (`429 trial_limit`).

## Low-balance alert

`PUT https://api.arettic.com/v1/orgs/{orgId}/notifications` with `low_balance_usd` (default $5). When the balance falls under it, the owners get an email and webhooks get `balance.low`, once per top-up. See [webhooks](/docs/webhooks).

## What a result costs

Each tool has a price per success: price per success = C ÷ S_price × k, rounded up to whole credits, where C is our cost per call, S_price the tool's recent pass rate and k your plan's multiplier (never below 1.25). Prices are recomputed daily; a move over 20% is reviewed by a person first, and orgs that used the tool get `price.changed`. Every tool's price is on [/pricing](/pricing) and at `GET https://api.arettic.com/v1/pricing`.

## Plans

Plans

| Plan | Price | k | Agents | Seats | Score lookups a day | Free-text lookups a day |
|---|---|---|---|---|---|---|
| Pay as you go | $0 + credits | 1.5× | 2 | 1 | 1,000 | 100 |
| Pro | $99 a month or $990 a year | 1.3× | 10 | 5 | 10,000 | 500 |
| Max | From $1,000 a month | 1.25× | no limit | no limit | no limit | no limit |

Start Pro with `POST https://api.arettic.com/v1/orgs/{orgId}/subscriptions` and `{ "plan": "team", "interval": "month" }` (or `"year"`); the answer has a checkout link. `GET /v1/orgs/{orgId}/plan` shows the plan and what it includes; `DELETE /v1/orgs/{orgId}/subscriptions/team` cancels at the end of the period. Until 30 days after public launch, the first 50 teams can take the founding Team price: $490 instead of $990 for the first year (`"founding": true`, yearly only). Enterprise is by contract.

## Frozen credits

Rarely, while we look into something on an account (a chargeback, a card flagged by the payment provider), we freeze its credits. Purchases are then declined with `403 credits_frozen`; sign-in, reads, receipts and exports keep working. Email support and we'll tell you what's needed.

## Credits stay on Arettic

Credits are for buying results on Arettic. They can't be cashed out, sold, or moved to another org.

Updated 2026-09-30. This page as HTML: https://arettic.com/docs/credits · Markdown: https://arettic.com/docs/credits.md · JSON: https://arettic.com/docs/credits.json