Managing billing

Everything about paying for connect0 lives under Billing at /a/<slug>/billing. This page walks through topping up your wallet, managing a subscription, keeping your payment method current, and finding your invoices — plus what "pending settlement" means when a payment takes a few days to clear.

Buy credits or a pack

From /a/<slug>/billing/credits (the wallet), pick a credit pack and check out. Packs are one-time purchases; larger packs include bonus credits and purchased credits are the longest-lived grants on your account. Checkout runs through Stripe. Once the payment settles, the pack lands as a purchase grant and appears in the wallet ledger. If you paid with an instant method (a card), the credits are spendable immediately.

Or any amount

Under the packs, Or any amount takes a custom top-up between $5 and $5,000. Type the amount (or pick a pack price from the dropdown) and the line beneath shows exactly what you'll get before you pay — for example 3,885 credits (+5%) for $37. Bonus credits follow the same tiers as the packs: 5% from $20, 10% from $100, 20% from $500, so a custom amount never earns less than the pack at the same price. The credits you were quoted are locked in at checkout; they don't change if the tiers do later. Like packs, custom top-ups never expire.

Auto top-up — refilling automatically when your balance drops below a threshold you set — is coming; the wallet shows the panel with its controls disabled until it's available.

Manage your subscription

A subscription is a recurring, discounted grant of credits — a cheaper way to buy the credits you'd otherwise pay for as packs, plus Storage Credits. Start, upgrade, or cancel a plan from /a/<slug>/billing.

• Monthly or yearly. Each plan card on /a/<slug>/billing/credits offers Subscribe monthly and, where available, Subscribe yearly at the discounted per-month rate. Yearly is one payment a year; the credits still land every month and expire monthly plus the grace window, exactly like the monthly plan.
• Upgrades grant the credit difference immediately.
• Downgrades and cancellations apply at the next cycle. Cancelling returns the account to the Free plan — every account is always on a plan — and the credits you bought separately stay.
• Plan credits are granted each cycle and expire at cycle end plus a grace window — they don't roll up forever. Pack credits you bought separately are unaffected.

Update your payment method

Card updates, receipts, and cancellation are handled in the Stripe customer portal, reachable from /a/<slug>/billing. connect0 never stores your card details — the portal is Stripe's own hosted surface.

Read invoices

Past invoices are listed at /a/<slug>/billing/invoices. Each links to the Stripe-hosted invoice PDF. Subscription invoices are issued per cycle; pack purchases produce a receipt for the one-time charge.

Pending (unsettled) payments

Some payment methods don't clear instantly. ACH bank payments, SEPA direct debit, and similar bank-transfer methods take a few business days to settle. During that window connect0 shows the purchase as pending credits: the amount, an approximate settlement date, and the method that caused the delay.

Pending credits are not spendable — they never count toward your available balance, agent runs, or the spend-cap gate. This is deliberate: a bank payment that later fails must not let an account overspend. When Stripe confirms the funds have settled, the same purchase flips to settled and the credits become spendable automatically. If the payment fails, the pending entry is voided and nothing is granted.

You'll see the pending line under your balance at /a/<slug>/billing/credits and on the post-checkout confirmation, with copy that ties the delay to the method you chose. Cards never produce a pending state.

Where to go next

• Spend controls — cap monthly spend and get balance alerts.
• Credits and pricing — the credit model end to end.