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Credits and Balance consumption models

Introducing two new ways to bill your customers: Credits for AI tools and Balance for prepaid consumption

G
Guido Irigoyen·@guidooirigoyen·January 13, 2026
Changelog

Until now, Commet supported one way to bill for usage: the classic Metered model (included amounts + overage at period end).

That works great for traditional SaaS. But the AI era brought new pricing patterns that didn't fit. So we built two new consumption models: Credits and Balance.

The Three Models

Every plan in Commet now uses one of three consumption models:

ModelHow it worksBest for
MeteredBase price + overage at end of periodAPIs, infrastructure, email
CreditsPrepaid credits consumed by usageAI tools, generators
BalancePrepaid dollar balance for consumptionMulti-product platforms

Metered (the classic)

Customers pay a base price and get included usage. If they exceed the limit, they're charged overage at the end of the billing period.

Pay $99/month → Get 10,000 API calls → Use 15,000 → Pay $50 overage

This is how Twilio, SendGrid, and AWS work.

Credits (for AI products)

Customers receive credits with their subscription. Feature usage consumes credits. When credits run out, they can buy more via Credit Packs in the Customer Portal.

Pay $49/month → Get 1,000 credits → Image generation costs 10 credits

This is how Midjourney, ChatGPT, and Cursor work.

Credit Packs: Customers can purchase additional credits from the Customer Portal. Purchased credits never expire—they persist through upgrades, downgrades, and renewals.

Balance (prepaid spending)

Customers pay a base price that becomes their spending balance. Feature usage costs real money that's deducted from the balance.

Pay $50/month → Balance: $50 → API call costs $0.001 → Spend as you go

This is how Supabase, Vercel, and Railway work.

What Changes

When creating a Plan

You now select a Consumption Model when creating a plan. This determines how features are consumed and billed.

When adding Features to a Plan

Feature configuration depends on the plan's consumption model:

  • Metered plans: Configure included amount and overage price
  • Credits plans: Configure credits consumed per use
  • Balance plans: Configure cost per use in dollars

Documentation

We've updated the platform documentation to cover all three models:

  • Consumption Models - Deep dive into each model
  • Credit Packs - Configure purchasable credit packages
  • Customer Portal - Self-service for your customers

Choosing the Right Model

  • Use Metered for traditional SaaS with variable usage
  • Use Credits for AI products where you want to encourage credit purchases
  • Use Balance for platforms where customers want dollar-based transparency

If you're not sure which model fits your product, reach out and we'll help you figure it out.

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