## Top-Up Packs

Need more credits before your monthly renewal? Purchase a top-up pack. Larger packs offer a lower per-credit cost.

| Pack   | Credits | Price | Per Credit |
|--------|---------|-------|------------|
| Small  | 100     | $35   | $0.35      |
| Medium | 250     | $80   | $0.32      |
| Large  | 500     | $150  | $0.30      |
| XL     | 1,000   | $280  | $0.28      |
| Bulk   | 2,500   | $650  | $0.26      |

## Top-Up Rules

Top-up credits work differently from your monthly plan credits. Keep these rules in mind.

1. **Non-refundable**  
   All top-up purchases are non-refundable once completed.

2. **90-day expiration**  
   Top-up credits expire 90 days after purchase. The system draws from the oldest top-up first to minimize expiration waste.

3. **Stacks with plan credits**  
   Top-up credits are added to your balance immediately and stack on top of your monthly plan allowance.

## Auto-Top-Up

Auto-top-up automatically purchases a credit pack when your balance drops below a threshold you set. This keeps Raya, Adam, and Sara running without manual intervention.

1. **Default settings**  
   When enabled, auto-top-up triggers when your balance falls below 50 credits and purchases a Large pack (500 credits / $150).

2. **Customizable trigger**  
   Change the trigger threshold to any credit amount that suits your usage pattern.

3. **Customizable pack size**  
   Choose which top-up pack to purchase automatically. Select any pack from Small (100 credits) to Bulk (2,500 credits).

## Monthly Spending Cap

Set a monthly spending cap to control how much auto-top-up can charge in a single billing cycle. Once the cap is reached, auto-top-up pauses until the next cycle. Your AI teammates continue working on any remaining credits, but no new top-ups are purchased until the cap resets.

## Payment Failure Handling

If an auto-top-up payment fails (declined card, insufficient funds), the system retries once after 24 hours. If the retry also fails, auto-top-up is paused and you receive an email notification. Update your payment method in Settings > Billing to resume.

## Frequently Asked Questions

**Do top-up credits expire?**  
Yes. Top-up credits expire 90 days after purchase. The system uses the oldest top-up credits first to minimize waste.

**Can I disable auto-top-up after enabling it?**  
Yes. Turn auto-top-up on or off at any time from Settings > Billing > Auto-Top-Up. Disabling it does not affect credits you already purchased.