{"id":689,"date":"2026-04-11T22:01:22","date_gmt":"2026-04-11T22:01:22","guid":{"rendered":"http:\/\/localhost:8088\/articles\/top-up-ai-credits\/"},"modified":"2026-10-19T08:57:37","modified_gmt":"2026-10-19T08:57:37","slug":"top-up-ai-credits","status":"publish","type":"knowledge_article","link":"https:\/\/help.upwex.io\/en\/articles\/top-up-ai-credits\/","title":{"rendered":"Top up AI Credits"},"content":{"rendered":"<p>If your team burns through its monthly plan <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/upwex.io\/glossary\/ai-credits\/\">credits<\/a> before the next billing renewal \u2013 for example during a launch week, an agency volume spike, or a heavy Auto Bid run \u2013 you don&#8217;t have to wait. Buy a one-time top-up pack on the <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/account.upwex.io\/credits\">AI Credits page<\/a>: extra credits are added to your balance the moment payment clears, never expire, and stay there until used.<\/p>\n<h2>Where the Top Up button lives<\/h2>\n<p>Open <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/account.upwex.io\/credits\">account.upwex.io\/credits<\/a> from the left sidebar (<em>Account \u2192 Credits<\/em>). The page header shows four hero cards:<\/p>\n<ul>\n<li><strong>Credits Remaining<\/strong> \u2013 green; the balance available right now (plan pool + extra)<\/li>\n<li><strong>Credits Used<\/strong> \u2013 how many credits the team has spent in the current billing cycle<\/li>\n<li><strong>Total Credits<\/strong> \u2013 your plan&#8217;s monthly allowance<\/li>\n<li><strong>Extra Credits<\/strong> \u2013 purchased top-ups that never expire, with a blue <strong>Top Up<\/strong> button next to the number<\/li>\n<\/ul>\n<p>Click <strong>Top Up<\/strong>. A modal opens with the credit-pack picker.<\/p>\n<p><img loading=\"eager\" fetchpriority=\"high\" decoding=\"async\" width=\"1400\" height=\"808\" src=\"\/wp-content\/uploads\/help\/ss-bp-02-credits-topup.webp\" alt=\"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\" \/><\/p>\n<h2>Pick a pack with the slider<\/h2>\n<p>The Top Up modal uses a single slider with six stops \u2013 100, 250, 500, 1k, 2.5k, 5k. Drag the handle (or click any tick label) to switch packs. The price card below updates instantly:<\/p>\n<ul>\n<li><strong>Pack size in big type<\/strong> \u2013 e.g. <em>1 000 credits<\/em><\/li>\n<li><strong>Total price in big type<\/strong> \u2013 the current price for the selected pack<\/li>\n<li><strong>Per-credit rate<\/strong> \u2013 small grey text showing the price per credit for that pack<\/li>\n<li><strong>Discount badge<\/strong> \u2013 green pill showing the volume discount (only on packs above 100; the 100-credit pack is the base rate)<\/li>\n<li><strong>Savings banner<\/strong> \u2013 shows how much you save compared with buying the same number of credits at the base per-credit rate<\/li>\n<li><strong>Confirm button<\/strong> \u2013 full-width green, labelled with the selected pack and its price<\/li>\n<\/ul>\n<h2>The six packs<\/h2>\n<p><!-- OLD: \n\n<p>Top-ups come in six fixed sizes \u2013 <strong>100, 250, 500, 1 000, 2 500 and 5 000 credits<\/strong>. <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/upwex.io\/pricing\/\">Pricing<\/a> 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.<\/p>\n\n --><\/p>\n<p>Top-ups come in six fixed sizes. <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/upwex.io\/pricing\/\">Pricing<\/a> is fixed, and the bigger the pack, the lower the price per credit. The 100-credit pack is the base rate.<\/p>\n<ul>\n<li>100 credits &#8211; $5.99<\/li>\n<li>250 credits &#8211; $14.49<\/li>\n<li>500 credits &#8211; $27.99<\/li>\n<li>1000 credits &#8211; $54.99<\/li>\n<li>2500 credits &#8211; $134.99<\/li>\n<li>5000 credits &#8211; $264.99<\/li>\n<\/ul>\n<p>The exact price, per-credit rate, discount and savings for each pack are always shown live in the Top Up modal \u2013 drag the slider to any pack to see its current numbers.<\/p>\n<h2>What happens when you click Buy<\/h2>\n<p>Upwex doesn&#8217;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:<\/p>\n<ol>\n<li>You click <strong>Buy N Credits<\/strong> for the selected pack.<\/li>\n<li>Upwex sends a request to the billing API; Stripe creates and finalises an invoice using your saved card.<\/li>\n<li>On success \u2013 the modal closes, a toast confirmation appears, the <em>Extra Credits<\/em> hero card updates immediately (no page reload needed), and the new transaction is added to <em>Usage History<\/em> with a <strong>+N credits<\/strong> green badge.<\/li>\n<li>If the card declines or anything else fails \u2013 the modal stays open with an inline error and your balance is unchanged. No partial state.<\/li>\n<\/ol>\n<p>Because the charge runs on your subscription&#8217;s saved card, top-ups inherit your subscription&#8217;s invoicing settings \u2013 receipt email, VAT, and tax-ID rules all apply.<\/p>\n<h2>You need an active subscription<\/h2>\n<p>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 <em>&#8220;Subscribe to purchase&#8221;<\/em> instead of the Buy button. Re-activate your plan from the <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/account.upwex.io\/billing\">Billing<\/a> page first, then come back to top up.<\/p>\n<h2>Who on the team can top up<\/h2>\n<p>Only <strong>Owner<\/strong> and <strong>Admin<\/strong> 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&#8217;t rendered for their role \u2013 keeping spend control in the hands of whoever manages billing.<\/p>\n<p><!-- OLD: \n\n<h2>Pack credits never expire \u2013 and they're spent last<\/h2>\n\n\n\n\n<p>Two important rules about how the two credit buckets interact:<\/p>\n\n\n\n\n<ul>\n\n\n<li><strong>Plan credits are spent first<\/strong> on every AI action, until the pool is empty. Only then does Upwex draw from your <em>Extra Credits<\/em> bucket.<\/li>\n\n\n\n\n<li><strong>Extra Credits never reset.<\/strong> Buy 5 000 in March, use 1 200 \u2013 you keep the remaining 3 800 indefinitely, even if you skip a billing cycle, downgrade your plan, or sit idle for months.<\/li>\n\n\n<\/ul>\n\n --><\/p>\n<h2>Pack credits never expire<\/h2>\n<p>Unlike your monthly pool, which resets on every billing renewal, <strong>Extra Credits never reset.<\/strong> Buy 5000 in March, use 1200, and you keep the remaining 3800 indefinitely, even if you sit idle for months. Unused credits carried over from an old Lite, Pro or Max plan land in the same Extra Credits balance and never expire either.<\/p>\n<p>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.<\/p>\n<p><!-- OLD: \n\n<h2>Pack vs plan upgrade \u2013 which is better?<\/h2>\n\n\n\n\n<p>Both add capacity, but they fit different patterns:<\/p>\n\n\n\n\n<ul>\n\n\n<li><strong>One-off spike<\/strong> (product launch, agency burst, single big bidding day) \u2192 buy a pack and stay on your current plan. You only pay for what you need.<\/li>\n\n\n\n\n<li><strong>Consistent overrun<\/strong> (you're hitting zero every month) \u2192 upgrade your plan. A higher plan adds more monthly credits per seat <em>plus<\/em> 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 \u2013 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.<\/li>\n\n\n\n\n<li><strong>Mixed<\/strong> (mostly fine, occasional spike) \u2192 keep the lower plan and buy small packs as needed.<\/li>\n\n\n<\/ul>\n\n --><\/p>\n<h2>Pack vs your own AI key<\/h2>\n<p>Flex is the only plan, and it already includes every feature, so there is no higher plan to upgrade to. If you need more AI capacity, you have two options:<\/p>\n<ul>\n<li><strong>Occasional spike<\/strong> (product launch, agency burst, single big bidding day) &#8211; buy a pack. You only pay for what you need, and leftover credits stay for later.<\/li>\n<li><strong>Consistent overrun<\/strong> (you&#8217;re hitting zero every month) &#8211; connect your own OpenRouter key in <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/account.upwex.io\/tools-and-apps\">Tools &amp; Apps<\/a> (available on a paid Flex subscription). AI then runs on your OpenRouter balance and does not use Upwex credits. If the key fails or runs out of balance, AI falls back to your credits. Details are in <a href=\"\/articles\/understanding-ai-credits\/\">Understanding AI Credits<\/a>.<\/li>\n<\/ul>\n<h2>Receipts and invoices<\/h2>\n<p>Every top-up generates a Stripe invoice. Find it on the <a target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/account.upwex.io\/billing\">Billing<\/a> page \u2192 Payment History, alongside your subscription invoices. Click any row to download the PDF for accounting.<\/p>\n<h2>Related articles<\/h2>\n<ul>\n<li><a href=\"\/articles\/understanding-ai-credits\/\">Understanding AI Credits<\/a> \u2013 what credits are and how they&#8217;re spent<\/li>\n<li><a href=\"\/articles\/edit-billing-info-vat\/\">Edit billing information (including VAT)<\/a> \u2013 make sure your invoices have the right tax data before you top up<\/li>\n<p><!-- OLD: \n\n<li><a href=\"\/articles\/upgrade-downgrade-plans\/\">Upgrade, downgrade or switch plans<\/a> \u2013 when a plan change beats stacking top-ups<\/li>\n\n --><\/p>\n<li><a href=\"\/articles\/upgrade-downgrade-plans\/\">Switch to Flex or change your billing period<\/a> &#8211; moving from an old plan to Flex and what happens to unused credits<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Buy a one-time AI Credit pack from 100 to 5000 credits, charged to your saved card, and keep it as long as you need since pack credits never expire.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-689","knowledge_article","type-knowledge_article","status-publish","hentry","knowledge_category-billing-credits"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Top up AI Credits | Upwex Customer Service &amp; Support | Upwex Help<\/title>\n<meta name=\"description\" content=\"Explore comprehensive guides, FAQs, and step-by-step tutorials for Upwex. 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