Credits & Points Billing

Stop Building Custom Wallets.
Monetize with Credits & Points Natively.

Give your customers prepaid wallets, promotional credits, and token balances. Aforo handles the race conditions, the waterfall deductions, and the ASC 606 deferred revenue tracking, so your engineering team doesn't have to.

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Sub-ms

Ledger Write Latency

100%

Double-Spend Prevention

0 Days

To Launch Promo Credits

How It Works

How Credits Work

Three steps from configuration to settlement. No custom billing code.

Configure

Set up rate plans with cash credits, bonus units, and waterfall priority. Choose PREPAID, HYBRID, or POSTPAID billing mode per offering.

Auto-Provision

When a customer subscribes, their wallet is created automatically and topped up with initial credits from the plan. Zero manual work.

Waterfall Settle

At each billing cycle, the pipeline deducts from credits in priority order: promotional → bonus units → cash balance. Overages go to invoice.

Architecture

Waterfall Deduction Architecture

Aforo Waterfall Settlement: Automatically prioritizing promo burn before cash depletion.

Usage Event

$500 API Charge Incoming

$500

Promo Credits

Expiring-first priority

-$50

$450

Bonus Units

Loyalty & signup credits

-$100

$350

Prepaid Cash Wallet

Customer balance

-$300

$50

Postpaid Invoice

Overage auto-routed

$50 invoiced

Capabilities

Everything You Need for Credits Billing

Nine capabilities. Three stakeholders. One platform.

Financial Control

Built for the CFO

ASC 606 & Deferred Revenue Tracking

Prepaid credits are liabilities, not revenue. Aforo's immutable ledger tracks every burn and breakage (expiration) with exact timestamps, giving your CFO journal-entry-ready data for audit season.

Real-Time Analytics

Track credit utilization, wallet balances, waterfall allocation breakdowns. Dashboard KPIs for your finance team.

Waterfall Deduction

Stop manually writing scripts to deduct free tokens before cash. Configure strict burn orders (Promo → Bonus → Cash) and let the settlement pipeline handle the math.

Product & Growth

Built for the CPO

GTM Velocity (Promos & Free Trials)

Launch "10,000 free tokens expiring in 14 days" campaigns without filing a Jira ticket. Product teams can structure complex promotional mechanics entirely through configuration.

Hybrid Billing

PREPAID, POSTPAID, or HYBRID per offering. Wallet covers what it can, overage goes to invoice automatically.

6 Pricing Models

Per-unit, flat rate, tiered, graduated, included quota with block pricing, percentage. All work with credits.

Architecture & Scale

Built for the CTO

Zero Double-Spending (Escrow Holds)

When an AI agent makes 50 concurrent API calls, homegrown wallets break. Aforo uses pessimistic DB locking to reserve funds before processing, guaranteeing you never give away free compute.

$ Developer Proof
curl -X POST https://api.aforo.ai/v1/wallets/debit \
  -H "Authorization: Bearer sk_live_..." \
  -d '{
    "customer_id": "cust_8923",
    "amount": 50,
    "strategy": "WATERFALL",
    "idempotency_key": "req_9982"
  }'

Prepaid Wallets

Per-customer wallets with real-time balance tracking. Auto-provisioned on subscription, manual top-up, auto-refill.

Multi-Product Quotas

Unit wallets track per-metric quotas (API calls, tokens, sessions). Each with independent balance, expiry, and rollover.

Use Cases

Built for Real Use Cases

From API metering to LLM token burn, every billing pattern, handled.

Prepaid

API Credits

Customers buy upfront capacity. Real-time balance checks at the gateway edge prevent usage from exceeding prepaid commitments.

Real-Time

AI Token Billing

Handle the massive scale of LLM token burn. Wallets are auto-debited in real-time post-inference, supporting high-frequency, high-concurrency workloads.

Hybrid

Platform Credits

Base subscription + variable compute credits. If the wallet depletes mid-cycle, Aforo automatically rolls over to postpaid invoicing without dropping a session.

PLG

Freemium + Top-Up

Free tier with included quota. Pay-as-you-go above the cap. Wallet for burst usage. No surprise invoices.

Ready to deprecate your homegrown billing monolith?

Get ASC 606 compliance, pessimistic locking, and real-time waterfall deduction out of the box. Start testing in your sandbox today.

Get Started Free Book a Demo

Resource Hub

Deepen Your Monetization Strategy

Credits billing is one piece. Explore the full platform.

Solution Guide

API Monetization

Turn every API call into a revenue event. Gateway metering, rate limiting, and tiered pricing for developer platforms.