How token billing works
Every LLM charges based on tokens — roughly 4 characters each. You pay for input tokens (your prompt and context) and output tokens (the model's response). AICredits converts provider USD pricing to ₹ in real time.
1. You send a request
Your prompt goes to the model you specified. We count the input tokens before sending.
2. Model responds
The model generates a response. We count output tokens as they stream back.
3. Wallet deducted in ₹
Total cost is calculated in USD, converted to ₹ at live forex rate, and atomically deducted from your wallet.
usd_cost = (input_tokens × input_rate_per_token)
+ (output_tokens × output_rate_per_token)
inr_cost = usd_cost × live_forex_rate × (1 + 0.05) # 5% forex buffer
final_cost = inr_cost × (1 + markup_decimal) # default 5% platform fee| Model | Input / 1M tokens | Output / 1M tokens | Provider |
|---|---|---|---|
| GPT-4o-mini | ₹13.23 | ₹52.92 | OpenAI |
| Claude 3.5 Haiku | ₹96.30 | ₹481.50 | Anthropic |
| Gemini 1.5 Flash | ₹7.22 | ₹28.88 | |
| DeepSeek V3 | ₹12.18 | ₹48.72 | DeepSeek |
| Claude 3.5 Sonnet | ₹288.90 | ₹1,444.50 | Anthropic |
Actual rates vary with live USD/INR rate. Use the calculator for real-time estimates.
FIFO credit deduction — fair and transparent
When you top up multiple times, credits are stored as separate ledger entries with their own expiry dates. When you make API requests, we deduct from the oldest credits first (FIFO). This ensures your earliest credits are always used first — no gaming, no hidden logic.
Top up ₹500 on Jan 1
Stored as Credit Entry A, expires Jan 1 next year.
Top up ₹300 on Mar 15
Stored as Credit Entry B, expires Mar 15 next year.
Use ₹600 worth of API
Entry A (₹500) fully consumed first, then ₹100 from Entry B.
Remaining balance
₹200 in Entry B with its original expiry date intact.
Frequently Asked Questions
What is token billing?
Language models charge based on the number of tokens processed — a token is roughly 4 characters of text. You pay separately for input tokens (your prompt) and output tokens (the model's response). AICredits converts these USD costs to ₹ at live forex rates.
When exactly is my wallet deducted?
Your wallet is deducted after each API request completes. We use a Redis-based atomic deduction to ensure accuracy. You can see each deduction in your transaction history.
What happens if my wallet balance is too low?
If your wallet balance is insufficient for a request, it's rejected with a clear error. You'll receive a low-balance alert when your wallet drops below ₹10. Top up via UPI instantly.
Are there any subscription fees or minimums?
No subscriptions. No monthly minimums. You pay only for what you use. Top up as little as ₹50 at a time. Credits never expire... actually they do — unused credits expire after 1 year, so you won't pay for credits you never use.
How are streaming responses billed?
Streaming responses are billed identically to non-streaming responses. We count tokens from the complete response, not by chunk.
Do credits expire?
Yes. Credit ledger entries expire after 1 year from the date of top-up. This is standard practice to maintain financial accuracy. You'll always see your balance and expiry dates in your dashboard.