# Understand credits, charges and usage

> Your balance, what was charged and why, and where to find invoices and saved cards.

Your workspace has one credit balance. **Plan & Billing** shows what you have, what was charged and what produced it. Everyone in the workspace, Viewers included, can see these pages.

## Where to look

| Page | What it answers |
| --- | --- |
| **Charges & usage** | What was charged, and what usage produced it |
| **Plans** | Monthly plans and credit packs you can buy |
| **Billing** → **Overview** | Your active subscription, credit balance, latest invoice and default payment method |
| **Billing** → **Credit History** | Every credit added or spent: top-ups, refunds, adjustments and billing settlements |
| **Billing** → **Invoices & Payments** | Your invoices and the card charges behind them |
| **Billing** → **Payment Methods** | The cards saved for this workspace |

The **Dashboard**'s **Credits & billing** card shows your **Available balance** and settled charges for **Today**, **Last 7 days** and **Last 30 days**, by UTC day.

## Charges & usage

This page has three tabs:

- **Daily:** settled credit charges by day, with **Total Settled Charges**, **Total Items** and **Active Days** at the top. Expand a day to see it by category.
- **Breakdown:** what drove your settled charges, highest first. Group them by **Model**, **Agent**, **Deployment**, **Component**, **User** or **Category**. Open **Vendor rate reference** to compare each model's vendor base rates per million tokens.
- **Inspect:** raw measured usage for one conversation over the last 30 days. Paste its ID under **Look up a conversation** and select **Inspect**. A visitor conversation's ID is the last part of its address in **Inbox**. The usage-rate estimate here isn't what was billed.

**Daily** and **Breakdown** cover all your settled charges, with no date filter. Each tab has a **Download** menu for **CSV** or **Excel (XLSX)**.

Charges for verified outcomes appear as **Verified Outcome**, and reversed ones as **Verified Outcome Reversal**.

## How credits are charged

**How credits are charged** is shown on **Billing** → **Overview**, in the **Used Credits** card, and behind the info icon at the end of the **Charges & usage** tabs. help.ai sets it for your workspace, and it starts as **Usage**:

| Charge basis | What becomes a credit charge |
| --- | --- |
| Usage | Measured consumption, such as AI replies and crawled pages |
| Verified outcomes | Outcomes accepted by billing verification |
| Usage + verified outcomes | Both |

Usage and outcome evaluations are always recorded. The charge basis only decides which of them become charges.

## Why recent numbers can change

Charges are settled in runs. The info icon at the end of the tab row shows **Settled through**: the UTC time billing has settled up to. Activity after that time appears once it settles. **Inspect** shows raw usage up to now.

## Your balance and overage

**Available Credits** on **Billing** → **Overview** shows your current balance and the total credited. **Used Credits** shows all-time credit charges.

The balance can go below zero. **Available Credits** then says **In overage**, and the next credits you buy cover that amount first. To add credits, select **Buy More Credits**, or **Top up** on the **Dashboard**. See [Buy credits or a plan](https://support.help.ai/workspace-and-billing/buy-credits-or-a-plan).

## Credit History

**Credit History** shows your **Current Balance**, **Total Added** and **Total Used**, then every transaction with its **Date**, **Type**, **Description**, **Amount** and **Balance after**.

## Invoices, payments and cards

- **Latest Invoice** on **Billing** → **Overview** shows your most recent invoice, with **Download** for its PDF and **View All** for the rest.
- **Invoices & Payments** has two tabs. **Invoices** lists every invoice: **View** opens it online and **PDF** downloads it. **Payments** lists the card charges.
- **Payment Methods** lists your saved cards, and your default card is tagged **Default**. Select **Add Payment Method** to add a card on Stripe's secure page. A card is also saved when you pay with it at checkout.

To remove a card, open its row menu on **Payment Methods**, select **Remove** and confirm. This can't be undone. Owners and Admins can add and remove cards.

## Usage without charges

**Analytics** → **AI Usage** shows quantities only, such as tokens, crawled pages, embedded vectors and generated images. It never shows credits. Use it to see how much you use, and **Charges & usage** to see what was charged.

<Tip>
To find what drives your charges, open **Breakdown** and group by **Agent** or **Model**, then compare models in **Vendor rate reference**.
</Tip>