# Oppy Welcome Kit: Credits, Billing & Wallet Guide

Published: 2026-03-20
Updated: 2026-03-20
Source: https://docs.oppy.pro/n/oppy-welcome-kit-credits-billing-wallet-guide
Account: Oppy Inc

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# Credits, Billing & Wallet Guide

How Oppy pricing works — credits, auto-recharge, usage costs, and managing your account.

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## 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.

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## 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).

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## Auto-Recharge (Never Run Out)

Set up automatic credit purchases so your Oppies never stop working.

### How to Enable
At [app.oppy.pro](https://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
1. Your balance drops below your threshold (e.g., below 250 credits)
2. System automatically charges your saved payment method
3. Credits are added instantly
4. Respects your monthly spend cap (won't recharge if it would exceed)
5. 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

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## 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.

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## 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](https://app.oppy.pro/billing-and-plans).

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## Buying More Credits

### Prepaid Packages
Purchase credits on-demand at [app.oppy.pro/billing-and-plans](https://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](https://app.oppy.pro/billing-and-plans).

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## 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](https://app.oppy.pro/billing-and-plans) > Manage Billing

### Checking Your Usage
- **Dashboard:** View current credit balance and usage at [app.oppy.pro](https://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)

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## 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.

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## Cost Optimization Tips

1. **Use web chat for high-volume, low-value interactions** — at $0.025 per message, it is 50x cheaper than voice
2. **Reserve voice calls for high-value leads** — a 5-min call costs ~$3, use it when the lead is warm
3. **Set follow-up limits** — cap max attempts to avoid spending credits on unresponsive contacts
4. **Use knowledge bases over web search** — KB searches are cheaper than real-time web searches
5. **Monitor DNC rates** — high opt-out rates waste credits on outreach that gets rejected
6. **Enable auto-recharge with a spend cap** — prevents both running out AND overspending

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**[Back to Master Guide](https://app.oppy.pro/n/oppy-welcome-kit-master-guide)**