Credyt

Overview

Credyt is billing infrastructure for software teams that want to charge as customers use a product, including AI services built around tokens, credits, or usage. It suits teams that need balances and access to update in real time, but not businesses that meter usage across a billing period and invoice afterward.

Key features

Credyt authorizes, prices, and debits usage atomically as it occurs. That keeps balances current and avoids batch billing, a practical advantage when service access depends on a customer’s remaining wallet balance. Billing can combine usage, subscriptions, credits, tokens, entitlements, and seats; rating supports unit, volume, combined unit-and-volume, and dimensional methods. The important trade-off is that Credyt does not support period-long usage metering billed in arrears, and it does not generate invoices.

Wallets can hold USD, tokens, GPU hours, or custom units. A branded customer portal gives users top-ups, transaction history, and auto-recharge, making the product a natural fit for prepaid and wallet-led services. Integrations include Stripe, Adyen, Checkout.com, hosted flows from other payment providers, webhooks, OpenAPI, SDKs, and an MCP server. That server connects with tools such as Claude Code, Cursor, Codex, Windsurf, ChatGPT, Lovable, Bolt, v0, and Replit.

Security controls include TLS 1.2+ in transit, AES-256 encryption at rest, API-key and OAuth authentication, separate test and live keys, RBAC, and rate-limited requests. Credyt uses Stripe Connect and says it does not process, store, or access raw card or PCI data. Customer data resides in one Azure region, with no region selection; erasure and export are offered, and a DPA is available on request. Credyt is evaluating SOC 2 certification, rather than presenting it as a completed certification.

Pricing

The free To start plan costs nothing, forever. It includes the first 10 active wallets each month, full feature access in test mode, and no credit card or time limit. This is useful for building and testing, but production use requires the paid plan.

In production costs $1 a month per active wallet. The first 1M events/month are free, volume discounts are available, and inactive wallets cost $0. The active-wallet basis makes cost track the number of wallets in use rather than simply the volume of every event; teams should account for wallet count when estimating production spend.

Platforms

Credyt is offered through an API and the web. The API, event ingestion, and SDK support suit teams integrating billing into a product; the web portal gives customers a self-service route to wallet tasks.

Who it's for

Credyt targets vibe coders, AI companies, and scaling businesses, with applications across engineering, finance, operations, and product teams. It is most compelling when a product needs real-time authorization against prepaid balances or several billing models. Teams whose core requirement is conventional usage accumulated over a month and invoiced later should look elsewhere.

Pros and cons

• Pros: A permanent test-mode plan with 10 free active wallets lets a team build without a card or time pressure.
• Pros: Real-time debiting, multi-asset wallets, and customer self-service top-ups align billing with products that sell usage or credits.
• Pros: Production includes the first 1M events/month free, and inactive wallets cost nothing.
• Cons: No arrears metering or invoice generation excludes teams dependent on postpaid usage billing.
• Cons: Data is confined to a single Azure region, with no customer choice of region.
• Cons: SOC 2 is still under evaluation, which may matter to buyers requiring that certification.

Alternatives

Usage-Based Billing Software is a broader category to explore when comparing billing products against a different usage-billing workflow.

Choose Aforo if a free plan with 50K events/month, one storefront, six pricing models, basic revenue intelligence, Stripe integration, and community support better matches your starting needs.

Flexprice may suit a developer seeking up to 100,000 events/month, one pricing plan, a REST API plus one SDK, basic invoice generation, email support, and 14-day data retention on its free Developer plan.

Choose Lago if an AGPLv3-licensed, self-hosted open-source deployment is the priority; its Lago Premium option is offered for cloud or self-hosted deployment with custom pricing.

Solvimon is another option for AI billing, with its AI Essentials plan free for the first $3M and then 0.4% of volume, subject to qualification criteria.

Zuora CPQ uses custom pricing based on products, scope, transaction volume, business model, regions, and implementation needs.

Aria Billing is another paid API and web option.

Cheddar offers a Builder Plan at $99 a month plus 30¢ per transaction, with email support, documentation, and connections to multiple payment gateways.

Gotransverse is an enterprise alternative whose Accelerate plan is $450,000 a year on a 36-month contract, with one pricing dimension and billing and invoicing for a growing enterprise.

Verdict

Choose Credyt if your AI or software product needs real-time charging, wallet-based balances, and a no-cost way to build and test before production. Its main advantage is that billing can follow usage immediately across several models; its decisive limitation is the lack of period-based arrears metering and invoice generation. If postpaid invoicing is central to your workflow, Credyt is not the right fit.