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

# Credits & Billing

> Subscriptions, virtual currency, and server-side spend.

StirVid uses our billing system for subscriptions and a virtual currency called `CREDITS` for per-generation spend.

## Subscriptions

| Plan     | Price     | Monthly credits |
| -------- | --------- | --------------- |
| Creator  | \$12 / mo | 9               |
| Pro      | \$35 / mo | 25              |
| Business | \$89 / mo | 60              |

All active plans include a monthly credit grant. Refer to the checkout terms in the app for expiry details.

## Top-ups

| Bundle | Credits |
| ------ | ------- |
| \$5    | 4       |
| \$12   | 9       |
| \$30   | 22      |

## Server-side spend

All credit deduction happens server-side. The flow is:

<Steps>
  <Step title="Quote">
    Client calls `POST /v1/projects/{id}/quote`. The server prices the job.
  </Step>

  <Step title="Reserve">
    The `CREDITS` balance is atomically decremented by the quoted amount.
  </Step>

  <Step title="Run">
    The generation job is enqueued. On success, the deduction is finalized. On failure, credits are refunded.
  </Step>
</Steps>

## Insufficient balance

If your balance is below the quote, the API returns `402 Payment Required` **before** any generation runs. No partial charge, no partial job.

<Tip>
  Agents can check balance ahead of time via the MCP resource `stirvid://balance` or the tool `stirvid_status`.
</Tip>