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

# How Billing Works

> How credits, token pricing, and paid-model access work on NagaAI.

NagaAI uses pay-as-you-go billing. You add credits to your account, send requests, and each request deducts cost based on the model and the amount of input and output processed.

Different models have different prices, so the final cost depends on both the model you choose and how much content the request processes.

## Billing at a glance

* There is no monthly plan requirement.
* You are billed per request.
* Pricing varies by model.
* Paid model access requires a positive balance.
* A first top-up of at least `$5` unlocks access to paid models.

### What Are Tokens?

Tokens are the units models use to process input and generate output. Depending on the API, tokens can represent:

* words or parts of words
* punctuation and symbols
* image content
* audio content

As a rough rule of thumb, 1 token is about 4 characters or about 0.75 words in English.

### Input vs Output Tokens

Most model pricing separates input tokens from output tokens.

| Token Type        | Description                                                     | Cost        |
| ----------------- | --------------------------------------------------------------- | ----------- |
| **Input Tokens**  | Content you send to the model (prompts, images, audio)          | Lower cost  |
| **Output Tokens** | Content generated by the model (responses, images, audio, etc.) | Higher cost |

Output tokens usually cost more because generation is more computationally expensive than processing input.

## Example cost calculation

Here is a simple example using sample token prices. Check the live model catalog for current pricing.

```
Hello! Can you help me?
```

If the model returns:

```
Hello! I'd be happy to help you. What do you need assistance with today?
```

* Input cost: `14 x $0.0000015 = $0.000021`
* Output cost: `21 x $0.0000075 = $0.0001575`
* Total cost: `$0.0001785`

## Viewing Current Pricing

Use these sources when you need current pricing, balance, or usage details:

* **Model catalog**: [https://naga.ac/models](https://naga.ac/models)
* **Models API**: [https://api.naga.ac/v1/models](https://api.naga.ac/v1/models)
* **Billing dashboard**: [https://naga.ac/dashboard/credits](https://naga.ac/dashboard/credits)

## Payment Methods

The dashboard supports common payment methods including credit cards, PayPal, Revolut, Alipay, WeChat Pay, and many cryptocurrencies.

## Managing Your Balance

### Checking Your Balance

Monitor your account balance and usage at any time through the **[NagaAI Dashboard](https://naga.ac/dashboard/credits)**.

The dashboard provides:

* Current balance
* Recent transaction history
* Detailed usage metrics per model
* Spending analytics and trends

### Topping Up

You can add funds to your account at any time:

1. Navigate to the **[Billing Dashboard](https://naga.ac/dashboard/credits)**
2. Click "Top Up Balance"
3. Enter the amount
4. Choose your payment method
5. Complete the payment

After a successful payment, your balance is usually available right away.

## Frequently Asked Questions

<AccordionGroup>
  <Accordion title="What happens if I use all my balance?">
    Access to paid models pauses when you no longer have enough credits to cover requests. Your API keys stay valid, and paid access resumes as soon as you top up your balance.
  </Accordion>

  <Accordion title="Do my credits expire?">
    No. Your credits do not expire.
  </Accordion>

  <Accordion title="Can I get a refund?">
    Refunds are handled case by case. If you have a billing issue, contact support through our Discord server.
  </Accordion>

  <Accordion title="Are there any hidden fees?">
    No. You pay for the usage your requests generate.
  </Accordion>
</AccordionGroup>