Credits, Billing & Wallet Guide
How Oppy pricing works — credits, auto-recharge, usage costs, and managing your account.
How Credits Work
Everything in Oppy is priced in credits. One credit = $0.05 USD.
Your account has two credit pools:
- Plan Credits — Included with your subscription, reset monthly on your renewal date
- Prepaid Credits — Purchased on-demand, never expire
Your total balance is the sum of both pools. Plan credits are consumed first each month.
What Costs Credits
Text, Email & Chat (Low Cost)
| Action | Credits | Dollar Cost |
|---|---|---|
| Inbound SMS | 1.0 | $0.05 |
| Outbound SMS | 1.0 | $0.05 |
| Inbound Email | 0.5 | $0.025 |
| Outbound Email | 0.5 | $0.025 |
| Inbound Web Chat | 0.5 | $0.025 |
| Outbound Web Chat | 0.5 | $0.025 |
Typical text conversation (10-20 messages): 10-20 credits = $0.50-$1.00
Voice Calls (Higher Cost)
| Action | Credits | Dollar Cost |
|---|---|---|
| Connected call (base) | 25.0 | $1.25 |
| Left voicemail | 14.0 | $0.70 |
| No connection/failed | 1.5 | $0.075 |
| Per 10 seconds of talk time | 1.17 | $0.058 |
Typical 5-minute call: 25 + (30 x 1.17) = ~60 credits = ~$3.00
Other Actions
Web search, knowledge base queries, image generation, and other AI functions consume credits based on token usage. Typically small (1-5 credits per function call).
Auto-Recharge (Never Run Out)
Set up automatic credit purchases so your Oppies never stop working.
How to Enable
At app.oppy.pro > Account Settings > Billing > Auto-Recharge
Configuration
| Setting | What It Does | Example |
|---|---|---|
| Threshold | Recharge when balance drops below this | 250 credits |
| Recharge Amount | How many credits to buy each time | $100 (500 credits) |
| Monthly Spend Cap | Maximum auto-recharge spend per month | $500/month |
| Payment Method | Saved card via Stripe | Visa ending 4242 |
How It Works
- Your balance drops below your threshold (e.g., below 250 credits)
- System automatically charges your saved payment method
- Credits are added instantly
- Respects your monthly spend cap (won’t recharge if it would exceed)
- Cap resets on your subscription renewal date each month
Safety Features
- Auto-disables after 3 consecutive payment failures (declined card)
- Monthly spend cap prevents runaway charges
- Email notifications when auto-recharge triggers
Low Balance Warnings
The system sends email alerts at three levels:
| Remaining Credits | Alert Level | What Happens |
|---|---|---|
| 1,000 | Warning | Friendly reminder, no action blocked |
| 250 | Urgent | Strong warning, services may be affected soon |
| 50 | Critical | Final notice, operations will be blocked |
Alerts are sent max once per day per tier. If auto-recharge is working, you typically won’t see these.
What Happens at Zero Credits
| Balance | Behavior |
|---|---|
| 100+ credits | Everything works normally |
| 1-100 credits | Warning prompts shown, expensive operations (voice calls) may be blocked |
| 0 credits | All billable actions blocked until credits are added |
To resume: Purchase a prepaid credit package or upgrade your plan at app.oppy.pro/billing-and-plans.
Buying More Credits
Prepaid Packages
Purchase credits on-demand at app.oppy.pro/billing-and-plans:
- Any amount at $0.05/credit
- Charged to your saved payment method
- Credits added instantly
- Never expire, carry over month to month
Upgrading Your Plan
Higher plans include more monthly credits. Upgrade is instant with prorated pricing at app.oppy.pro/billing-and-plans.
Managing Your Billing
Billing Portal
Access your Stripe billing portal for:
- Update payment method
- View invoices and payment history
- Download receipts
- Manage subscription
At app.oppy.pro/billing-and-plans > Manage Billing
Checking Your Usage
- Dashboard: View current credit balance and usage at app.oppy.pro
- Account Concierge: Ask “How many credits have I used this month?” or “What is my current balance?”
- Usage breakdown: See credits consumed by conversation type (SMS, voice, email, chat)
Credit Tracking & Transparency
Every credit spent is recorded with full context:
- What triggered it — which conversation, message, or call
- When — exact timestamp
- Why — feature type (voice_call, text_inbound, email_outbound, etc.)
- Who — which Oppy consumed the credits
You can always audit exactly where your credits went and optimize usage.
Cost Optimization Tips
- Use web chat for high-volume, low-value interactions — at $0.025 per message, it is 50x cheaper than voice
- Reserve voice calls for high-value leads — a 5-min call costs ~$3, use it when the lead is warm
- Set follow-up limits — cap max attempts to avoid spending credits on unresponsive contacts
- Use knowledge bases over web search — KB searches are cheaper than real-time web searches
- Monitor DNC rates — high opt-out rates waste credits on outreach that gets rejected
- Enable auto-recharge with a spend cap — prevents both running out AND overspending