# Billing, Credits, and Usage

FINNEX AI operates on a token-based billing model, utilising a credit system to manage AI service consumption. This section explains how the billing system works, how to purchase and manage credits, and how to track usage via the dashboard.

## **Token-Based Usage and Billing**

FINNEX AI employs a token-based model for its AI services, following industry standards. Each API request consumes tokens, which represent units of text, including input, context, and output tokens. We will count the total number of tokens consumed during each API call to calculate your usage. 

### What are Tokens?

Tokens are units of text used in AI interactions. Each request to the AI (including your input, system context, and AI output) consumes tokens.

* **Average usage:**
  * 1 English word ≈ 1.3 tokens
  * 100 tokens ≈ 75 English words
* Learn more: [What are tokens?](https://help.openai.com/en/articles/4936856-what-are-tokens-and-how-to-count-them)

  
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## **FINNEX Credits**

### **Purchasing Credits**

Credits are used to pay for tokens. Each **1 FINNEX credit = 1,000 tokens**.


1. **Go to Top-Up Page**:  
   Navigate to the **Account** section and click the **Top-Up Credits** button.
2. **Select a Credit Package**:  
   Choose the amount that suits your needs. Payments are securely processed via **Stripe**.
3. **Complete Payment**:  
   Enter your billing details to complete the purchase. Credits are applied instantly once payment is confirmed.

### **Managing Credits**

You can track and manage your credits through your FINNEX AI **dashboard**.

#### 🔍 **View Credit Balance**

* See your **Total Credits**, **Credits Used**, and **Remaining Credits** on the dashboard.
* Credit expiration and top-up history are also shown.

#### 📈 **Monitor Usage**

* View **daily token usage** as a percentage and visual graph.
* Use the **Monthly Usage** dropdown to explore the past 12 months of activity.

###  **Billing Summary**

Manage your payment method, view past invoices, and update billing information from the **Billing Portal** in your account settings.

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**Documents**

- [Introduction](https://finnex.getoutline.com/s/03f128b2-527f-4e60-a720-a2bfaffd2e0e/doc/introduction-PQaACX6iYa)
- [System Requirements](https://finnex.getoutline.com/s/03f128b2-527f-4e60-a720-a2bfaffd2e0e/doc/system-requirements-KS1GqN2jFp)
- [Install](https://finnex.getoutline.com/s/03f128b2-527f-4e60-a720-a2bfaffd2e0e/doc/install-DZ8TSCgckG)
- [Account Management](https://finnex.getoutline.com/s/03f128b2-527f-4e60-a720-a2bfaffd2e0e/doc/account-management-s9EkSLP5CP)
- [Interfaces](https://finnex.getoutline.com/s/03f128b2-527f-4e60-a720-a2bfaffd2e0e/doc/interfaces-m7JG3TEEQp)
- [Xero Connector](https://finnex.getoutline.com/s/03f128b2-527f-4e60-a720-a2bfaffd2e0e/doc/xero-connector-3uuwmTfIiA)
- [Billing, Credits, and Usage](https://finnex.getoutline.com/s/03f128b2-527f-4e60-a720-a2bfaffd2e0e/doc/billing-credits-and-usage-SFxYPhf3zh)
- [Best Practices](https://finnex.getoutline.com/s/03f128b2-527f-4e60-a720-a2bfaffd2e0e/doc/best-practices-X3n0aDALzL)
- [User Plans](https://finnex.getoutline.com/s/03f128b2-527f-4e60-a720-a2bfaffd2e0e/doc/user-plans-B4MQMON008)
- [Uninstall](https://finnex.getoutline.com/s/03f128b2-527f-4e60-a720-a2bfaffd2e0e/doc/uninstall-u60vOWdD8i)
- [FAQ](https://finnex.getoutline.com/s/03f128b2-527f-4e60-a720-a2bfaffd2e0e/doc/faq-lFQaN9O00Z)
- [Trial Sample for Finnex AI Assistant](https://finnex.getoutline.com/s/03f128b2-527f-4e60-a720-a2bfaffd2e0e/doc/trial-sample-for-finnex-ai-assistant-LJc4Kq7jEM)