Credits and billing
Your credit balance, where credits went, how the monthly grant renews, top-up packs, and the four refusals with four different remedies.
Billing in RankX AI is a subscription plus one credit wallet per account. The plan sets your monthly credit grant and every structural limit; the wallet is what metered work draws on. Credits are reserved before work, consumed on success and released in full on failure.
Each monthly grant is for its own period on every plan, and top-up credits never expire.
What the balance screen shows
- Credits available now.
- Credits held by work in flight, which is work reserved and not yet settled. It is neither spent nor available, and showing it separately is what stops a balance looking wrong mid-audit.
- The plan and its monthly allowance.
- Any trial state, and when unspent grants expire.
- On the agency track, the ceiling set for a client, on a client-scoped view.
Where the credits went
The usage report groups spend by action or by Website over a period, so "why did my balance drop" has an answer rather than a theory.
Two properties make it trustworthy:
Refunded work nets to zero and never reads as spend. The wallet reserves before the work and releases in full on failure, so a failed action leaves no spend behind it.
Platform-funded onboarding writes nothing to the ledger, so the free setup package cannot inflate the figure.
On the agency track, action grouping carries no client dimension, so a client-scoped credential is pointed at Website grouping rather than served an account-wide total it should not see.
The monthly grant renews each period
Each grant covers its own period: a fresh grant arrives with the next one, and an unused grant expires at the end of its period, on every plan.
The practical consequence: buying headroom you will not use buys nothing. Match your cadence to your plan rather than buying a plan for a cadence you will run twice. See check cadence.
Top-up packs
Three packs, with published prices:
| Pack | Credits | Price |
|---|---|---|
| Boost | 2,500 | $29 |
| Standard | 10,000 | $99 |
| Scale | 30,000 | $249 |
The pack list above is generated from RankX AI itself rather than written by hand, as at 30 September 2026 (source b27dec96). When the product changes, this page changes with it.
Buying a pack. The account owner buys packs on the Billing page in Settings, on an active paid plan. Top-up credits are added to the monthly allowance rather than replacing it, do not expire, and are drawn on last. A trial that runs out of credits continues when the paid plan starts.
The four refusals
Four reasons a spend is refused, with four different remedies. RankX AI keeps them apart because telling someone whose subscription has lapsed to buy credits sends them to do something that cannot work:
| Refusal | What has happened | The remedy |
|---|---|---|
| Not enough credits | The wallet is short for this action | Add credits, or reduce recurring spend |
| Subscription not active | The subscription has lapsed or been cancelled | Reactivate it |
| Client budget exceeded | An agency client has spent the ceiling set for it | The agency raises that client's allocation |
| Action not priced | RankX AI has no price for this action | Nothing to change on your side. The message says so |
The third is agency-only and it catches people out: the agency wallet can be full while one client is stopped, because a per-client budget is a ceiling on the shared wallet rather than a separate pot. See per-client credit budgets.
Reducing what you spend
Recurring spend is almost entirely cadence multiplied by panel size, in this order:
- Prompts times assistants times runs. Usually most of the bill. Pausing a prompt is instant, reversible and keeps its history.
- Keywords times checks. Untracking is reversible and frees the plan slot too.
- Shopping prompts times two surfaces times runs.
- Everything else, which is occasional rather than recurring.
Prune before you slow down, and slow down before you upgrade. Halving a prompt panel measures better than doubling a cadence, because a smaller panel of prompts you care about beats a larger one you scroll past.
Changing plan
Changing plan changes the ceilings immediately.
Being over a structural limit after a downgrade does not delete anything. Nothing is untracked for you; adding more is refused until you are back under.
The grant does not carry over, in either direction.
Only the Agency Owner can change the plan, on the agency track. See roles and permissions.
Where to go next
- Credits and metering, for the model.
- Credit costs, for the per-action table.
- Plans and limits, for the ceilings.
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