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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.

text
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.

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

This is how Midjourney, ChatGPT, and Cursor work.

Note

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.

text
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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