> ## Documentation Index
> Fetch the complete documentation index at: https://docs.triqai.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Credits

> Understanding credit consumption, billing, and overages

Triqai uses a credit-based billing model. Each successful enrichment consumes credits from your monthly allocation.

## How Credits Work

* **1 credit = 1 enrichment**: Each successfully enriched transaction consumes 1 credit
* **Monthly allocation**: Credits are included in your plan and reset each billing cycle
* **No rollover**: Unused credits don't carry over to the next month
* **Overages available**: Continue enriching beyond your allocation with per-request billing

## Credits by Plan

| Plan           | Monthly Credits | Overage Cost (per 1K) |
| -------------- | --------------- | --------------------- |
| **Free**       | 100             | Not available         |
| **Starter**    | 4,000           | €5                    |
| **Growth**     | 25,000          | €4                    |
| **Business**   | 100,000         | €3                    |
| **Enterprise** | Custom          | Custom                |

<Note>
  Overage pricing is per 1,000 additional enrichments beyond your plan's
  included credits.
</Note>

## When Credits Are Deducted

Credits are consumed when:

<Check>
  An enrichment request completes fully (`success: true`, `partial: false`)
</Check>

Credits are **not** deducted when:

* The enrichment returns a partial result (`partial: true`)
* The request fails entirely (validation error, auth error, server error)
* You hit your credit limit and overages are disabled
* You query existing transactions (GET requests)
* You fetch categories or entity details

## Checking Your Balance

Monitor your credit usage in the [dashboard](https://www.triqai.com/dashboard):

* Current credit balance
* Usage history by day/week/month
* Overage usage (if enabled)

## Overage Billing

When you exceed your monthly credit allocation:

### With Overages Disabled (Default)

* Enrichment requests will fail with `402 Payment Required`
* Error code: `insufficient_credits`
* You'll need to wait for credits to reset or upgrade your plan

```json theme={null}
{
  "success": false,
  "error": {
    "code": "insufficient_credits",
    "message": "Insufficient credits. Your monthly allocation is exhausted."
  }
}
```

### With Overages Enabled

* Enrichment continues without interruption
* Overage usage is tracked separately
* Billed at the end of your billing cycle

To enable overages:

1. Go to your [dashboard settings](https://www.triqai.com/dashboard)
2. Navigate to Billing > Overage Settings
3. Toggle "Enable Overages"

<Warning>
  Free tier accounts cannot enable overages. Upgrade to Starter or higher to
  continue enriching beyond your allocation.
</Warning>

## Credit Reset

Credits reset at the start of each billing cycle:

* **Monthly plans**: Reset on your plan anniversary date
* **Annual plans**: Reset monthly on the same day you subscribed
* **Free tier**: Reset monthly on the same day you joined or your old plan expired

## Monitoring Usage

The dashboard provides real-time visibility into:

* Credits remaining this period
* Usage trends over time
* Overage consumption (if applicable)

<Warning>
  Display credit usage on dashboard can be delayed by max 5 minutes
</Warning>

## Optimizing Credit Usage

<AccordionGroup>
  <Accordion title="Deduplicate before enriching" icon="copy">
    Check if you've already enriched similar transactions. Transactions with the
    same raw title in the same country often produce identical results.
  </Accordion>

  <Accordion title="Use the playground for testing" icon="flask">
    The [playground](https://www.triqai.com/playground) is free and doesn't
    consume credits. Use it for exploration and testing.
  </Accordion>

  <Accordion title="Batch similar transactions" icon="layer-group">
    If you have many identical transactions (e.g., recurring payments),
    enrich one and apply the result to all.
  </Accordion>
</AccordionGroup>

## Upgrading Your Plan

If you consistently need more credits:

<CardGroup cols={2}>
  <Card title="Compare Plans" icon="table" href="https://www.triqai.com/pricing">
    View all plans and included credits
  </Card>

  <Card title="Contact Sales" icon="envelope" href="https://www.triqai.com/contact">
    Discuss custom enterprise pricing
  </Card>
</CardGroup>

## FAQ

<AccordionGroup>
  <Accordion title="What counts as one credit?">
    One enrichment request that returns a fully successful result (`partial: false`)
    consumes one credit. Partial results do not consume credits.
  </Accordion>

  <Accordion title="Do GET requests use credits?">
    No. Fetching transaction history, categories, or entity details does not
    consume credits. Only POST requests to the enrichment endpoint use credits.
  </Accordion>

  <Accordion title="What happens at partial results?">
    Partial results (where some enrichers succeed but others fail) do not consume
    credits. Only fully successful enrichments are charged.
  </Accordion>

  <Accordion title="Can I get a refund for unused credits?">
    Credits are non-refundable but reset monthly. Consider adjusting your plan if
    you consistently have excess credits.
  </Accordion>

  <Accordion title="How are overages billed?">
    Overage usage is calculated at the end of your billing cycle and charged to
    your payment method on file.
  </Accordion>
</AccordionGroup>

## Next Steps

<CardGroup cols={2}>
  <Card title="Rate Limits" icon="gauge" href="/platform/rate-limits">
    Understand request rate limits
  </Card>

  <Card title="Pricing" icon="credit-card" href="https://www.triqai.com/pricing">
    View plan details and pricing
  </Card>
</CardGroup>