If your team burns through its monthly plan credits before the next billing renewal – for example during a launch week, an agency volume spike, or a heavy Auto Bid run – you don’t have to wait. Buy a one-time top-up pack on the AI Credits page: extra credits are added to your balance the moment payment clears, never expire, and stay there until used.

Where the Top Up button lives

Open account.upwex.io/credits from the left sidebar (Account → Credits). The page header shows four hero cards:

  • Credits Remaining – green; the balance available right now (plan pool + extra)
  • Credits Used – how many credits the team has spent in the current billing cycle
  • Total Credits – your plan’s monthly allowance
  • Extra Credits – purchased top-ups that never expire, with a blue Top Up button next to the number

Click Top Up. A modal opens with the credit-pack picker.

Credits page with four hero cards and the Top Up modal overlay showing the pack slider, the per-credit rate, a discount badge, a savings banner, and the Buy button

Pick a pack with the slider

The Top Up modal uses a single slider with six stops – 100, 250, 500, 1k, 2.5k, 5k. Drag the handle (or click any tick label) to switch packs. The price card below updates instantly:

  • Pack size in big type – e.g. 1 000 credits
  • Total price in big type – the current price for the selected pack
  • Per-credit rate – small grey text showing the price per credit for that pack
  • Discount badge – green pill showing the volume discount (only on packs above 100; the 100-credit pack is the base rate)
  • Savings banner – shows how much you save compared with buying the same number of credits at the base per-credit rate
  • Confirm button – full-width green, labelled with the selected pack and its price

The six packs

Top-ups come in six fixed sizes – 100, 250, 500, 1 000, 2 500 and 5 000 credits. Pricing is fixed (no surge, no regional adjustment), and the bigger the pack, the lower the price per credit: the volume discount grows with pack size, so the largest pack has the best per-credit rate. The 100-credit pack is the base rate.

The exact price, per-credit rate, discount and savings for each pack are always shown live in the Top Up modal – drag the slider to any pack to see its current numbers.

What happens when you click Buy

Upwex doesn’t redirect you to Stripe Checkout. Instead, it creates a one-off Stripe invoice, charges the same payment method that pays for your subscription (off-session, no card form to fill in), and finalises the purchase in the background. Specifically:

  1. You click Buy N Credits for the selected pack.
  2. Upwex sends a request to the billing API; Stripe creates and finalises an invoice using your saved card.
  3. On success – the modal closes, a toast confirmation appears, the Extra Credits hero card updates immediately (no page reload needed), and the new transaction is added to Usage History with a +N credits green badge.
  4. If the card declines or anything else fails – the modal stays open with an inline error and your balance is unchanged. No partial state.

Because the charge runs on your subscription’s saved card, top-ups inherit your subscription’s invoicing settings – receipt email, VAT, and tax-ID rules all apply.

You need an active subscription

Top-ups are an add-on to a paid plan, not a replacement for one. If your subscription has been cancelled or has lapsed, the Top Up modal shows the hint “Subscribe to purchase” instead of the Buy button. Re-activate your plan from the Billing page first, then come back to top up.

Who on the team can top up

Only Owner and Admin roles see the Top Up button on the Credits page. Members see the same balance, the same Usage History, and the same plan info, but the Top Up button isn’t rendered for their role – keeping spend control in the hands of whoever manages billing.

Pack credits never expire – and they’re spent last

Two important rules about how the two credit buckets interact:

  • Plan credits are spent first on every AI action, until the pool is empty. Only then does Upwex draw from your Extra Credits bucket.
  • Extra Credits never reset. Buy 5 000 in March, use 1 200 – you keep the remaining 3 800 indefinitely, even if you skip a billing cycle, downgrade your plan, or sit idle for months.

This means a top-up is a long-term reserve, not a use-it-or-lose-it buy. You can stockpile during a sale and burn it across many months.

Pack vs plan upgrade – which is better?

Both add capacity, but they fit different patterns:

  • One-off spike (product launch, agency burst, single big bidding day) → buy a pack and stay on your current plan. You only pay for what you need.
  • Consistent overrun (you’re hitting zero every month) → upgrade your plan. A higher plan adds more monthly credits per seat plus the 24/7 Auto-Bidding scanner with Custom Match Algorithm and Red Flags prompts. If all you need is the credits, buying a top-up pack each month can work out cheaper on the credit side – but you don’t get the scanner. Pick the upgrade when you want hands-free bidding; pick top-ups when you just need credit headroom for manual workflows.
  • Mixed (mostly fine, occasional spike) → keep the lower plan and buy small packs as needed.

Receipts and invoices

Every top-up generates a Stripe invoice. Find it on the Billing page → Payment History, alongside your subscription invoices. Click any row to download the PDF for accounting.

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