Pay for AI API Access in ₹: No International Card
Top up your AI API wallet in rupees using UPI, net banking, or any domestic debit card. Credits are added instantly. Access GPT-4o, Claude, Gemini, and 400+ models immediately.
All Indian payment methods supported
No international card required. Pay the same way you pay for anything else in India.
UPI
Google Pay, PhonePe, Paytm, BHIM, or any UPI app. Instant. No transaction fee.
Net Banking
All major Indian banks — SBI, HDFC, ICICI, Axis, Kotak, and 50+ others.
Debit Card
Any Indian VISA or Mastercard debit card. Rupay cards may vary by bank.
Secure Checkout
Payments powered by Razorpay — PCI DSS compliant, used by 10M+ businesses in India.
How wallet top-up works
Go to Billing
In your dashboard, click Billing → Add Credits. Enter the amount in ₹ you want to add.
Pay via Razorpay
Choose UPI, net banking, or debit card in the Razorpay checkout. Authorize and confirm.
Credits added instantly
Your wallet balance updates immediately. Start making API calls to any model right away.
The real cost of paying in USD vs ₹
When you pay OpenAI directly with an international card, the final cost in ₹ is unpredictable and higher than it looks.
Direct OpenAI, USD billing
- ✗International credit card required
- ✗3–5% foreign transaction fee from your bank
- ✗USD/INR rate set by your bank (usually worse than live rate)
- ✗Unpredictable monthly bill in rupees
- ✗Risk of card decline
- ✗Separate accounts for each provider
AICredits, INR billing via UPI
- Any UPI app, net banking, or domestic debit card
- No foreign transaction fees
- Live forex rate + 5% buffer (transparent, predictable)
- Exact ₹ balance shown before and after every request
- Instant payment, instant credits
- One account for 400+ models across all providers
Why we use Razorpay
Razorpay is India's most trusted payment gateway — used by 10M+ businesses including Zepto, CRED, BookMyShow, and Swiggy. Your payments are processed on infrastructure that Indian developers and consumers already trust.
PCI DSS Level 1 certified
Highest standard of payment security. Card data never touches AICredits servers.
RBI compliant
All transactions comply with Reserve Bank of India guidelines for payment processors.
Instant UPI settlement
UPI payments settle in real time. Credits appear in your wallet within seconds.
99.99% uptime
Razorpay's payment infrastructure has enterprise-grade reliability. Top-ups work when you need them.
Credited after Razorpay confirms
Open your UPI app, scan or enter your VPA, authorize the amount, and your wallet is credited once Razorpay confirms the payment.
Frequently Asked Questions
What is the minimum top-up amount?
The minimum wallet top-up is ₹50. There is no maximum limit. Most developers start with ₹100–500 to test their usage before committing larger amounts.
How quickly are credits added after payment?
Credits are added to your wallet after Razorpay confirms the payment. Confirmation time depends on your bank and payment method.
Is my payment information stored?
No. AICredits does not store any card or bank account details. All payment processing is handled by Razorpay's PCI DSS compliant infrastructure.
What if my UPI payment fails?
If a payment fails, your wallet balance is not deducted. You can retry the payment immediately. If you were charged but credits were not added, contact [email protected] with your payment reference.
Can I get a refund?
Unused wallet credits are refundable. See our refund policy at aicredits.in/refund for full details and the refund request process.
Is GST applicable?
GST may be applicable on platform fees as per applicable law. The total amount shown in the Razorpay checkout is the final amount you pay.