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Billing & Credits

Manage subscriptions, purchase credits, and track billing — checkout, balance, invoices, and portal.

9 min readUpdated Mar 15, 2026

AskVerdict billing is powered by Stripe. All billing endpoints require authentication and operate on the currently signed-in user. Checkout endpoints return a Stripe-hosted URL - redirect the user to that URL to complete payment.

Authentication required

All billing endpoints require a valid session cookie or Authorization: Bearer <token> header. There is no public billing API.

Plans overview

Plan	Price	Credits / Debates	Modes	API access	Team seats
Free	$0	10 on signup	All	No	1
Pro	$29/mo ($24/mo annual)	500 credits/month	All	Yes	Up to 25
BYOK	$19/mo	Unlimited (your keys)	All	Yes	Up to 5
BYOK Pro	$39/mo	Unlimited (your keys)	All	Yes	Up to 10

Founding member offer

The first 100 users receive 1 month free Pro. The founding member discount is applied automatically at checkout when the offer is active - no coupon code required.

Credit costs

Credits are consumed when running debates using AskVerdict's hosted API keys. BYOK subscribers run debates against their own API keys and are not charged credits per debate.

Mode	Credits per debate	Best for
`instant` / `quick_take`	1 credit	Rapid verdict in under 5 seconds
`fast`	1 credit	Quick decisions, lightweight questions
`balanced`	3 credits	Most debates - good depth and speed
`thorough`	8 credits	High-stakes decisions, comprehensive analysis
`compare`	5 credits	Evaluating 2-5 options against each other

Credit packs

Credit packs are one-time purchases. Credits never expire.

Pack	Credits	Price	Per credit
`credits_100` - Starter	100 credits	$4.99	$0.050
`credits_500` - Standard	500 credits	$19.99	$0.040
`credits_2000` - Power	2000 credits	$59.99	$0.030

BYOK subscription intervals

The BYOK and BYOK Pro subscriptions are billed monthly:

Interval	BYOK	BYOK Pro
`monthly`	$19 / month	$39 / month

Endpoints

Create BYOK checkout session

POST/api/billing/checkout-session

Create a Stripe-hosted checkout URL for a BYOK subscription.

Creates a Stripe Checkout session for the BYOK plan. The response contains a url — redirect the user to it to complete the subscription purchase.

If this is the user's first purchase, a Stripe customer record is created automatically.

Request body

Name	Type	Required	Description
`interval`	`string`	Required	Billing cadence. Must be: 'monthly'.

Example request

bash

curl -X POST https://api.askverdict.ai/api/billing/checkout-session \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '{ "interval": "monthly" }'

Response

Error responses

Status	Code	Description
`400`	`VALIDATION_ERROR`	`interval` is missing or not one of the allowed values
`401`	`UNAUTHORIZED`	Not authenticated
`503`	`BILLING_NOT_CONFIGURED`	BYOK subscription pricing is not configured on this server

Create BYOK Pro checkout session

POST/api/billing/checkout-session-pro

Create a Stripe-hosted checkout URL for a BYOK Pro subscription.

Identical to the BYOK checkout endpoint but starts a BYOK Pro subscription, which unlocks decision matrix, convergence scores, argument graph heatmap, file upload + storage, and up to 10 team seats.

Request body

Name	Type	Required	Description
`interval`	`string`	Required	Billing cadence. Must be: 'monthly'.

Example request

bash

curl -X POST https://api.askverdict.ai/api/billing/checkout-session-pro \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '{ "interval": "monthly" }'

Response

Error responses

Status	Code	Description
`400`	`VALIDATION_ERROR`	`interval` is missing or not one of the allowed values
`401`	`UNAUTHORIZED`	Not authenticated
`503`	`BILLING_NOT_CONFIGURED`	BYOK Pro subscription pricing is not configured on this server

Create credit pack checkout session

POST/api/billing/credit-checkout

Create a Stripe-hosted checkout URL for a one-time credit pack purchase.

Creates a Stripe Checkout session for a one-time credit pack payment. Credits are added to the user's balance automatically via Stripe webhook after payment succeeds.

Request body

Name	Type	Required	Description
`pack`	`string`	Required	Credit pack identifier. One of: 'credits_100' (100 credits, $4.99), 'credits_500' (500 credits, $19.99), 'credits_2000' (2000 credits, $59.99).

Example request

bash

curl -X POST https://api.askverdict.ai/api/billing/credit-checkout \
  -H "Authorization: Bearer <token>" \
  -H "Content-Type: application/json" \
  -d '{ "pack": "credits_100" }'

Response

Credit delivery

Credits are credited to your balance asynchronously via Stripe webhook. There may be a few seconds delay between completing the Stripe checkout and seeing your updated balance. Poll GET /api/billing/balance or refresh your billing page after returning from checkout.

Error responses

Status	Code	Description
`400`	`VALIDATION_ERROR`	`pack` is missing or not one of the allowed values
`401`	`UNAUTHORIZED`	Not authenticated
`503`	`BILLING_NOT_CONFIGURED`	Credit pack pricing is not configured on this server

Get credit balance

GET/api/billing/balance

Return the current user's credit balance and active plan.

Returns a fresh read from the database — this always reflects the most current state, not a cached value.

Example request

bash

curl https://api.askverdict.ai/api/billing/balance \
  -H "Authorization: Bearer <token>"

Response

The plan field is one of: "free", "starter", "pro", "byok", "byok_pro", "enterprise".

Error responses

Status	Code	Description
`401`	`UNAUTHORIZED`	Not authenticated
`404`	`USER_NOT_FOUND`	Authenticated user record not found

Open Stripe Customer Portal

POST/api/billing/portal-session

Create a Stripe Customer Portal session to manage subscriptions and payment methods.

Returns a Stripe-hosted Customer Portal URL. Use it to let users cancel subscriptions, update payment methods, download past invoices, and manage billing details — all handled by Stripe's secure portal.

Requires an existing billing account

This endpoint only works if the user has previously completed at least one checkout session (subscription or credit pack). Users who have never purchased anything will receive a NO_STRIPE_CUSTOMER error.

Example request

bash

curl -X POST https://api.askverdict.ai/api/billing/portal-session \
  -H "Authorization: Bearer <token>"

Response

Error responses

Status	Code	Description
`400`	`NO_STRIPE_CUSTOMER`	User has no billing account (no prior purchases)
`401`	`UNAUTHORIZED`	Not authenticated

Invoices

Invoice records are written to your AskVerdict account automatically when Stripe webhooks confirm a payment. Each invoice has a link to the Stripe-hosted invoice page and/or a receipt URL.

List invoices

GET/api/invoices

List all invoices for the current user, paginated.

Returns invoices ordered by most recent first. Optionally filter to a specific workspace.

Query parameters

Name	Type	Required	Description
`page`	`number`	Optional	Page number (1-based). Default: 1.
`limit`	`number`	Optional	Results per page. Default: 20. Max: 50.
`workspaceId`	`string`	Optional	Filter invoices to a specific workspace.

Example request

bash

curl "https://api.askverdict.ai/api/invoices?page=1&limit=20" \
  -H "Authorization: Bearer <token>"

Response

Invoice fields

Field	Type	Description
`id`	`string`	Invoice ID
`type`	`string`	Invoice type: `"subscription"` or `"credit_pack"`
`description`	`string`	Human-readable description
`amountCents`	`number`	Amount charged in cents (e.g. `1900` = $19.00)
`currency`	`string`	ISO 4217 currency code (e.g. `"usd"`)
`status`	`string`	Payment status: `"paid"`, `"open"`, `"void"`, `"uncollectible"`
`workspaceId`	`string \| null`	Set if this invoice belongs to a workspace
`stripeInvoiceUrl`	`string \| null`	Link to the Stripe-hosted invoice page
`stripeReceiptUrl`	`string \| null`	Link to the Stripe receipt
`metadata`	`object`	Additional data (e.g. `creditAmount`, `creditPack` for pack purchases)
`createdAt`	`string`	ISO 8601 timestamp

Error responses

Status	Code	Description
`401`	`UNAUTHORIZED`	Not authenticated

Get invoice

GET/api/invoices/:id

Get a single invoice by ID.

Returns full invoice details including Stripe payment intent and session IDs. Only returns invoices belonging to the authenticated user.

Path parameters

Name	Type	Required	Description
`id`	`string`	Required	The invoice ID.

Example request

bash

curl https://api.askverdict.ai/api/invoices/inv_abc123 \
  -H "Authorization: Bearer <token>"

Response

The single-invoice response includes additional Stripe identifiers not present in the list response:

Extra field	Type	Description
`stripePaymentIntentId`	`string \| null`	Stripe PaymentIntent ID (`pi_...`)
`stripeSessionId`	`string \| null`	Stripe Checkout Session ID (`cs_...`)
`stripeInvoiceId`	`string \| null`	Stripe Invoice ID (`in_...`)

Error responses

Status	Code	Description
`401`	`UNAUTHORIZED`	Not authenticated
`404`	`NOT_FOUND`	Invoice not found or does not belong to this user

Plan feature matrix

Feature	Free	Pro	BYOK	BYOK Pro	Enterprise
Credits / debates	10 on signup	500/mo	Unlimited (own keys)	Unlimited (own keys)	Custom
All debate modes	Yes	Yes	Yes	Yes	Yes
Quick Take	Yes	Yes	Yes	Yes	Yes
Verdict Compare	Yes	Yes	Yes	Yes	Yes
API access	No	Yes	Yes	Yes	Yes
CLI & SDK	No	Yes	Yes	Yes	Yes
Evidence engine	No	Yes	No	Yes	Yes
Decision matrix	No	Yes	No	Yes	Yes
Convergence scores	No	Yes	No	Yes	Yes
Argument graph heatmap	No	Yes	No	Yes	Yes
File upload + storage	No	Yes	No	Yes	Yes
Advanced audit logs	No	Yes	No	Yes	Yes
Team seats	1	Up to 25	Up to 5	Up to 10	Unlimited
SSO / SAML	No	No	No	No	Yes
Custom SLA	No	No	No	No	Yes

Enterprise

For enterprise pricing, custom SLAs, dedicated support, and on-premise options, contact support@askverdict.ai.

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