Understand Rivya credit rules, signup credits, plans, packs, FIFO spending, expiry, Stripe Checkout, low-balance behavior, and wallet checks.

Use this credits and billing guide when you need to know how Rivya charges for real AI work before you run it.

Rivya uses one shared credit wallet across chat, image, video, audio, and tool-backed work. That matters because a real project may move between mediums without forcing you to learn a different balance system every time.

This page explains how credits enter the wallet, how they are used, where billing state lives, and what to check before spending credits on heavier work.

Cost Questions This Page Answers

Use this page when you need practical answers to:

how signup credits, subscription credits, and one-time credit packs differ
where to check the credit cost before running image, video, or audio generation
what happens when your Rivya credit balance is too low
how failed-task credit refunds differ from chat usage settlement

The Shared Wallet

The same wallet can support:

chat sessions
image generations
video generations
audio generations
tool-connected chat work
Public API generation requests made with your account API keys

The practical rule is simple: if a task is billable, check the credit wallet before you start.

The shared wallet is especially useful for mixed projects. For example, a launch workflow may use chat for planning, image for hero visuals, video for a teaser, and audio for voice-over without splitting balances by medium.

Public API calls use the same account wallet. Creating an API key does not create a separate developer balance, so check API Credits, API Models, and the model reference before moving an integration from test runs to heavier production use.

How Credits Enter The Wallet

Credits can enter the wallet through three main sources:

signup credits
subscription credits
one-time credit packs

New accounts currently receive:

6 signup credits
30-day expiry

Treat these as a real first-task allowance, not a permanent monthly free plan.

Subscription credits

The public plan lineup currently includes:

Free
Basic
Advanced
Pro
Premium

The live monthly credit amounts are:

Basic: 300
Advanced: 800
Pro: 1800
Premium: 3600

Current public price anchors are:

Basic: $19.90 monthly or $167.90 yearly
Advanced: $49.90 monthly or $419.90 yearly
Pro: $99.90 monthly or $839.90 yearly
Premium: $199.90 monthly or $1679.90 yearly

Use the public Pricing page and Stripe Checkout as the final source for current prices, discounts, taxes, and payment availability.

These credits currently refresh on a monthly rhythm, including yearly billing plans.

Credit packs

The current one-time credit packs are:

500 credits: $49.90
1500 credits: $129.90
3500 credits: $259.90
7000 credits: $459.90

Pack credits currently expire after 365 days.

Free users can buy packs, which means you can keep using the wallet before committing to a subscription.

What Free Means Right Now

Free currently means:

public browsing
signup gift credits
real task access until those credits run out
the ability to buy credit packs

It does not mean a recurring monthly free-credit refresh.

That distinction is important. Rivya's free entry is designed to let you try real work, not to act as an unlimited ongoing plan.

How Credits Are Spent

Rivya currently uses spendable credits with FIFO logic:

older unexpired balances are used first
expired balances are no longer spendable

This matters when your wallet contains mixed sources, such as signup credits plus subscription credits plus a one-time pack.

Before a billable generation starts, Rivya checks whether the wallet has enough balance for the task.

if the final cost is lower, the difference can be returned
if the final cost is higher, Rivya attempts to settle the extra amount

So generation is closer to task reservation, while chat is closer to usage settlement.

What To Check Before A Heavy Run

Before starting a heavier image, video, or audio task, check:

current credit balance in /settings/credits
whether any credits are expiring soon
the model page's credit hint
duration, quality, or resolution settings
whether the first run can be a cheaper direction check
whether the prompt is narrow enough to review

A short direction test is often smarter than spending more credits on an unproven prompt.

What Happens When Credits Run Low

If your account does not have enough balance for a billable generation:

the provider call should not continue
the task may be recorded as failed or blocked
an insufficient-credit notification may appear
you can top up or change plan from settings

When a generation does not start as expected, check wallet state before assuming the model failed.

Billing Page vs Credits Page

Use /settings/billing when the question is about plan state:

what plan am I on?
is the subscription active or trialing?
when does the current billing period end?
should I manage the subscription or compare plans?

Use /settings/credits when the question is about wallet state:

how much balance is available right now?
what is expiring soon?
should I buy a one-time pack?
what does the transaction history show?

Billing is plan state. Credits is wallet state.

Checkout And Return Flow

Rivya uses Stripe Checkout for subscriptions and one-time packs.

A normal payment flow is:

start checkout from pricing or settings
complete Stripe Checkout
return through /payment
let Rivya confirm and refresh account state
continue through billing or credits

A purchase is not fully reflected inside the product until the return-and-refresh step settles.

Plans, Packs, And Usage Patterns

Use the product shape to choose purchase type:

stay free when you are still evaluating and have enough signup credits
buy a pack when usage is occasional or project-based
choose a subscription when you expect recurring monthly work
choose a higher plan when video, audio, or high-volume production becomes normal

For a decision-focused guide, read How Rivya Credits Work and Plans and Packs in Rivya.

Common Billing Mistakes

Avoid these assumptions:

treating signup credits as a recurring monthly allowance
starting a heavier video or audio run without checking balance first
assuming a failed provider task always means credits were permanently spent
buying a plan or pack before deciding whether the work is recurring or one-off

If a balance or purchase looks wrong, check order state and credit history before running another billable task.

Rivya Credits and Billing Guide