Credit and top-ups

Credit is prepaid. You name an amount in CHF and pay through the MoonPay checkout, which settles to the operator’s USDC wallet, currently custodial at Bybit. A card works there, through MoonPay's onramp.

A top-up is never charged automatically. The paid plans add an allowance each month, and credit packs are monthly subscriptions (Stripe, by card, renewing until cancelled) that can be taken on any plan.

Credit is only added when the payment provider's signed confirmation arrives, never when you press pay. One top-up can be at most CHF 5000. Credit from a plan or a pack expires three months after it was added and is spent first; credit from a top-up does not expire.

From top-up to spendingYou name an amount in CHF and see a quote that includes a 3% currency buffer. You pay at the MoonPay checkout by card or with USDC on Solana. The payment settles to the operator's custodial Bybit USDC wallet. When the provider's signed confirmation arrives, credit is added. Each model request is paid from it at the provider price plus a 2% margin, and paid models stop at zero.You name an amount in CHFat most CHF 5000Quote shown before you payamount plus 3% currencybufferMoonPay checkoutcard, or USDC on Solanafrom your walletSettles to the operator'scustodial Bybit USDC walletSigned confirmationfrom the provider arrivesCredit added to your balanceEach model requestis paid from it, at providerprice plus 2% marginAt zero, paid models stop
Credit is added only after the provider's signed confirmation, and spending it ends at zero rather than running on.
Diagram as text
  1. You name an amount in CHF, up to CHF 5000 per top-up. The minimum in CHF follows the MoonPay floor of USD 20 and the exchange rate.
  2. The quote shows the exact amount before you pay: your amount plus a 3% currency buffer. A top-up has no service fee.
  3. You pay at the MoonPay checkout by card, or with USDC on Solana from your own wallet.
  4. The payment settles to the operator's custodial Bybit USDC wallet.
  5. Credit is added only when the provider's signed confirmation arrives.
  6. Each model request is paid from your credit at the provider's price plus a 2% service margin, already inside the prices you see.
  7. At zero credit, paid models stop; work does not continue and bill you later.
Solid line
a figure that stands still
Dashed line
moves with the exchange rate

The smallest top-up

Fig. 1 · the floor, and the clearance kept above it. Not to scale.
CHF quotecurrent

The minimum in CHF moves with the exchange rate. Checkout calculates the current amount and shows it before you pay.

clearance

The payment quote accounts for the minimum and exchange-rate movement.

USD 20

MoonPay's onramp refuses anything under this.

refused

The quote tells you the exact figure before you pay.

Where the percentages sit

Fig. 2 · both brackets span everything. Whatever the percentage does, the whole figure is in front of you. Not to scale.

Topping up

the amount you name 3% currency buffer

the quote, shown before you pay

Topping up adds no service fee. The buffer covers the rate moving between the quote and the money arriving.

Spending it on tokens

the provider's price 2% service margin

the price you see

The margin is already inside every price shown to you: in the picker, in the catalogue, and in the cost strip under each reply.

A billing error caused some non-streaming coding-agent calls to include the service margin twice. This has been corrected.

Paying from your own wallet

Paying from a wallet you already hold is faster, and it skips the repeated ID check. If you do not have one yet, Wallets, and how to get USDC covers what you need.

Credit is not redeemable for cash while the account stays open. On account closure, unused purchased credit is refundable under Terms §12.3.

Plan prices and credit packs are listed on Pricing. Changes to prices and billing are announced in the Newsroom.