Purchasing Extra Credits

How to top up your AI credit balance and what happens after purchase.

Purchasing Extra Credits

If you're running through your monthly free credits faster than expected — for example, generating multiple Loan Narrative drafts or doing heavy AI Trades research — you can buy extra credits as a top-up.

How to buy

1. Go to **Account & Settings → Credits**.
2. Click **Buy Credits**.
3. Pick a credit pack (the available options and prices show in the modal).
4. Pay securely through Stripe.
5. Credits land in your account within seconds.

What you get

• **Purchased credits never expire** — they sit in your account until you spend them.
• They **stack on top of your free monthly credits**.
• When you spend, the system always uses your **free credits first**, so purchased credits last as long as possible.

After purchase

A new transaction labeled with the pack name and Stripe payment ID appears in your **transaction history**. Your **purchased credits** balance updates immediately.

If you don't see the credits within a minute:
- Refresh the page — the balance pulls fresh from the database.
- Check your transaction history for the purchase entry.
- If still missing, contact support with the Stripe receipt — every purchase has an idempotent payment intent ID, so we can confirm it was processed.

Refunds

Subscription vs top-ups

• **Subscription** = automatic monthly free credits + access to all platform features.
• **Top-up purchases** = extra one-time credits when you need a burst beyond your monthly allowance.

Most members never need to top up. If you're a power user of the AI features, top-ups give you flexibility without forcing a plan upgrade.