Credyt

Credyt is web and API billing infrastructure for AI products. It supports usage-based, subscription, hybrid, credit, token, entitlement, and seat-based billing. Usage can be authorized, priced, and debited atomically as it happens; wallets can hold USD, tokens, GPU hours, or custom units. A branded self-service portal provides top-ups, payment history, and auto-recharge. Developers can connect Stripe, Adyen, Checkout.com, hosted-payment-flow providers, webhooks, OpenAPI, SDKs, and an MCP server. That server integrates with tools including Claude Code, Cursor, Codex, Windsurf, ChatGPT, Lovable, Bolt, v0, and Replit. The free plan is for building and testing, with the first 10 active wallets free each month. Production costs $1 a month per active wallet, with the first 1M events/month free. Credyt does not support usage metered throughout a period and invoiced in arrears. Its infrastructure is hosted in Microsoft Azure, and customer data is stored in a single region without region selection.

Credyt offers real-time billing and a range of wallet units and integrations for AI products. Its production plan charges per active wallet, and it does not cover usage metered during a period and billed afterward.

Credyt suits AI companies, vibe coders, and scaling businesses that need billing for product usage, subscriptions, credits, or seats. Its listed use cases span engineering, finance, operations, and product teams.

Overview

Credyt is billing infrastructure for AI products and other software that needs to charge as usage occurs. It suits teams building around prepaid balances and real-time access; its per-active-wallet production pricing is straightforward, but it is not designed for post-period usage invoicing.

Key features

Credyt authorizes, prices, and debits usage atomically as it happens. That keeps customer balances current without batch processing, a useful fit when access depends on available credits. Billing can combine usage, subscriptions, credits, tokens, entitlements, and seats; rating supports unit, volume, unit-and-volume, and dimensional methods. It also ingests events and meters API usage, but does not generate invoices or support usage measured over a period and billed afterward.

Wallets can hold USD, tokens, GPU hours, or custom units. A branded portal lets customers top up, see transaction history, and enable auto-recharge. These are practical strengths for products that want customers to manage prepaid balances themselves, rather than relying on conventional postpaid invoicing.

Integrations include Stripe, Adyen, Checkout.com, hosted payment flows from other payment providers, webhooks, OpenAPI, SDKs, and an MCP server. The server integrates with Claude Code, Cursor, Codex, Windsurf, ChatGPT, Lovable, Bolt, v0, and Replit, which gives AI-focused teams several routes to connect their tooling.

Credyt runs on Microsoft Azure and says data is encrypted in transit with TLS 1.2+ and at rest with AES-256. It supports API keys, OAuth, separate test and live keys, role-based access controls, and rate-limited requests. Stripe Connect handles payment data; Credyt says it does not process, store, or access raw card or PCI data. Data export and erasure on request are supported, as is a DPA on request. Data is kept in a single Azure region with no region selection, and Credyt is evaluating SOC 2 certification. Support is through its documentation and [email protected].

Pricing

The free To start plan costs nothing, forever. It includes the first 10 active wallets every month, full feature access in test mode, and requires no credit card or time-limited trial. Its test-mode scope makes it suitable for building and testing, not for running a live production service.

In production costs $1 a month, billed per active wallet / month. The first 1M events/month are free, inactive wallets cost $0, and volume discounts are available. This model may suit a growing product with active wallets and predictable real-time charging, though the per-wallet fee means costs track active customers rather than only event volume.

Platforms

Credyt is available through an API and the web. Its API, webhooks, SDKs, and MCP server support integration into software workflows, while the web billing portal gives customers a place to manage wallet activity.

Who it's for

Credyt targets vibe coders, AI companies, and scaling businesses, with use cases across engineering, finance, operations, and product teams. It is most compelling for teams that want to debit balances immediately across varied wallet units. Companies that need invoice generation or bill-in-arrears metering should choose another billing system.

Pros and cons

• Pros: Atomic real-time debits avoid delayed balance updates; wallets support multiple asset types; the customer portal handles top-ups, history, and auto-recharge; production includes the first 1M events/month and charges nothing for inactive wallets.
• Cons: It cannot meter usage throughout a period and invoice afterward, and it does not generate invoices. Customer data cannot be pinned to a chosen Azure region, and SOC 2 certification is still being evaluated.

Alternatives

Usage-Based Billing Software is a useful starting point for comparing billing tools by category. Choose Lago if an AGPLv3-licensed, self-hosted open-source deployment matters more; its Premium plan is also offered for cloud or self-hosted deployment with custom pricing. Aforo is another freemium API and web option; its free Starter plan includes 50K events/month, one storefront, six pricing models, basic revenue intelligence, Stripe integration, and community support.

Flexprice may suit a team prioritizing basic invoice generation: its free Developer plan allows up to 100,000 events/month and includes one pricing plan, a REST API plus one SDK, email support, and 14-day data retention. Solvimon may be worth considering for qualified teams seeking token and API-call metering with unlimited credits and wallets; its AI Essentials plan is free for the first $3M, then 0.4% of volume.

Zuora CPQ is a custom-priced option for buyers prepared to discuss scope, transaction volume, business model, regions, and implementation needs. Aria Billing is another paid API and web alternative. Cheddar may fit teams that value multiple payment gateways and email-based support; its Builder Plan costs $99 a month plus 30¢ per transaction. Continuous Command is an alternative for buyers seeking a tailored quote based on transaction volume and configuration complexity.

Verdict

Choose Credyt if your AI or software product needs real-time wallet debits, multiple credit units, and customer self-service for top-ups and recharge. Its low production entry price and first-million-event allowance are attractive, but the lack of invoice generation and arrears metering is decisive: teams billing measured usage after a period should look elsewhere.