> ## Documentation Index
> Fetch the complete documentation index at: https://docs.routor.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Billing and Credits

> How credits work, pricing, and how to top up.

# Billing and Credits

Routor uses a prepaid credit system. You add credits and API calls draw from your balance as you use them.

***

## How Credits Work

* 1 credit equals \$1.00 USD
* Credits are deducted per API call based on actual token usage plus Routor's markup
* Credits never expire
* Signup is free — top up from the Billing page to start making requests

> 📷 **\[Screenshot: Billing page showing credit balance, transaction history, and top-up options]**

***

## Pricing

Routor charges the provider's rate plus a small routing markup:

| Routing mode            | Markup                |
| ----------------------- | --------------------- |
| Auto (Routor picks)     | +10% on provider cost |
| Tier mode (you specify) | +8% on provider cost  |

**Example:** If a request costs $0.01 on the provider, Routor charges $0.011 in auto mode.

Because Routor routes most requests to cheaper models, your total bill is typically 25 to 70% lower than routing everything to a premium model, even with the markup included.

***

## Viewing Your Balance

Your credit balance appears in the top-right corner of the dashboard and on the Billing page.

> 📷 **\[Screenshot: Billing page with credit balance prominently displayed]**

***

## Adding Credits

1. Go to **Billing** in the sidebar
2. Choose an amount: $5, $10, \$25, or a custom value
3. Click **Add Credits**
4. Complete payment via Razorpay
5. Credits appear in your account immediately

> 📷 **\[Screenshot: Credit top-up panel with amount options and custom amount input]**
> 📷 **\[Screenshot: Razorpay checkout page]**

***

## Transaction History

The billing page shows every transaction:

| Column      | Description                                           |
| ----------- | ----------------------------------------------------- |
| Date        | When the transaction occurred                         |
| Type        | `checkout` (top-up), `manual`, or `deduction` (usage) |
| Amount      | Credits added or deducted                             |
| Description | Details like "Credit top-up via Razorpay (₹850)"      |

> 📷 **\[Screenshot: Transaction history table showing a mix of usage and top-up entries]**

***

## Low Balance

When balance hits \$0.00, new requests return a `402` error:

```json theme={null}
{
  "error": {
    "message": "Insufficient credits. Please top up your account.",
    "type":    "billing_error"
  }
}
```

***

## Plans

Routor is pure pay-as-you-go — no subscriptions. Every account includes API access, all providers and models, the dashboard, and **1 routing profile** (limited to 1 per account for now).