Explaining Chat Credits On OnVerb

What Are Chat Credits?

Chat credits are OnVerb's token-based currency that powers all your AI interactions across the platform. Every time you generate content with an AI model, process documents, or create system prompts, you use chat credits based on the complexity and length of your request and the AI model's response.

Think of chat credits as the fuel that powers your AI productivity engine. Different AI models consume credits at different rates, reflecting their varying capabilities, computational requirements, and provider costs. This transparent system ensures you only pay for what you use whilst giving you complete control over your AI spending.

How Chat Credits Work

Token-Based Calculation

Chat credits are calculated using industry-standard token measurements:

Input Tokens: The text you send to AI models (your prompts, documents, questions) Output Tokens: The text the AI generates in response (answers, content, analysis) Total Usage: Input tokens + Output tokens = Total chat credits consumed

Real-Time Tracking

OnVerb provides complete transparency about your credit usage:

Live Counter: See your remaining credits in real-time as you work
Per-Interaction Costs: View exactly how many credits each AI interaction consumes
Predictive Estimates: Preview estimated credit costs before sending requests to AI models

Model-Specific Pricing

Different AI models have varying credit costs based on their capabilities:

OpenAI Models: Higher cost but superior reasoning and complex task handling Claude Models: Competitive pricing with excellent analytical capabilities Specialised Models: Premium pricing for cutting-edge capabilities

View current pricing for all models in your account dashboard under "AI Models"

Understanding Credit Consumption

Factors Affecting Credit Usage

Content Length: Longer prompts and responses consume more credits Model Complexity: Advanced models like GPT-4 cost more per token than GPT-3.5 Document Processing: Uploading and analysing files requires credits based on file size and content System Prompt Complexity: Detailed system prompts consume credits during setup and use Conversation Context: Longer conversations with maintained context use more credits

Optimising Your Credit Usage

Choose the Right Model:

Use lower cost models for straightforward tasks and quick responses
Reserve premium models for complex reasoning, analysis, and creative work
Experiment with different models to find the best balance of cost and quality

Efficient Prompting:

Be clear and specific in your requests to avoid back-and-forth clarifications
Use system prompts to establish context once rather than repeating instructions
Break complex tasks into focused, specific requests

Smart Document Processing:

Process only the sections of documents you need analysed
Use OnVerb's document management features to avoid re-uploading the same files
Leverage CSV processing for bulk operations rather than individual requests

Managing Your Credits

Monitoring Usage

Dashboard Overview:

Current credit balance prominently displayed

Detailed Analytics:

Credit consumption by date and time
Most expensive interactions and optimisation opportunities
Model performance comparison for your specific use cases
Team usage breakdown (Growth and Business tiers)

Usage Alerts:

Customisable notifications when approaching credit limits
Weekly usage summaries and recommendations
Alerts for unusually high consumption patterns
Renewal reminders and upgrade suggestions

Credit Management Strategies

Budget Planning:

Set monthly usage targets based on your subscription tier
Monitor daily consumption to stay within limits
Plan intensive AI work around your credit renewal cycle
Consider upgrading if consistently approaching limits

Efficiency Optimisation:

Review usage analytics to identify patterns and opportunities
Test different AI models to find the best value for your needs
Develop reusable system prompts to reduce repetitive credit consumption
Use team features to share credits efficiently across collaborative projects

What Happens When Credits Run Low

Approaching Your Limit:

Receive notifications when you've used 75% and 90% of your monthly allocation
Dashboard warnings help you plan remaining usage
Suggestions for optimising remaining credits
Easy upgrade options if you need more capacity

When Credits Are Exhausted:

AI interactions are paused until your next billing cycle or a top up has been purchased
All your existing content and data remain fully accessible
Document editing and file management continue without restriction
Immediate top-up options to restore AI functionality

Top Up Credit Options:

One off top-up purchases available at any time during your billing cycle
Immediate credit restoration upon successful upgrade
No interruption to your workflow or ongoing projects

Credit Security and Fair Usage

Fair Usage Policy

OnVerb's credit system is designed to provide excellent value whilst ensuring sustainable service for all users:

Acceptable Use:

All legitimate business, educational, and personal productivity applications
Reasonable usage patterns consistent with your subscription tier
Sharing credits within authorised team members
Experimentation and learning with AI capabilities

Usage Guidelines:

Credits are for your organisation's use and cannot be resold or transferred
Automated or bulk usage should align with your subscription tier's capacity
Respect AI provider terms of service and ethical usage guidelines
Report any technical issues that may cause unexpected credit consumption

Credit Security

Protection Measures:

Secure authentication prevents unauthorised credit usage
Team access controls ensure credits are used appropriately
Usage monitoring helps identify unusual patterns or potential security issues
Immediate account lockdown capabilities if suspicious activity is detected

Account Safety:

Team member access can be revoked instantly if needed
Detailed audit logs help track credit usage across team members
Support team available to investigate any credit discrepancies

Frequently Asked Questions

General Credit Questions

Q: Do unused credits roll over to the next month? A: Yes, credits carry over. This ensures predictable billing and encourages regular use of your subscription benefits.

Q: Can I purchase additional credits without upgrading my subscription? A: Yes, top-ups are available for a number of individual credit packs, simply click on subscriptions in your OnVerb Dashboard and select the one time credit packs to see the options available to you.

Q: How do I track my team's credit usage? A: Growth and Business tier subscribers have access to detailed team analytics showing credit consumption by team member, project, and time period.

Technical Questions

Q: Why do different AI models cost different amounts of credits? A: AI models have varying computational requirements and provider costs. More advanced models like GPT-4 require more processing power and therefore cost more credits per interaction.

Q: Do system prompts consume credits? A: System prompts consume a small number of credits when first created and tested, but once established, they don't consume additional credits unless modified or used in AI interactions.

Q: How are credits calculated for file uploads? A: File processing credits are based on the content length and complexity of the analysis requested. Larger files and more complex analysis consume more credits.

Billing Questions

Q: When do my credits reset? A: Credits reset on your billing anniversary date each month. You can view your next reset date in your account dashboard.

Q: What happens if I downgrade my subscription mid-month? A: Your current credit allocation remains until your next billing cycle, when it will adjust to your new subscription tier's allocation.

Q: Can I get a refund for unused credits? A: Credits are part of your monthly subscription and are not refundable.

Getting the Most Value from Your Credits

Best Practices

Efficient Workflow Design:

Develop comprehensive system prompts that reduce the need for repeated instructions
Use OnVerb's document management to avoid re-processing the same files
Plan complex projects to make efficient use of AI capabilities

Team Collaboration:

Share effective system prompts across team members to avoid duplicate development
Coordinate team usage to maximise the value of shared credit allocations
Use team analytics to identify the most cost-effective approaches for your organisation

Advanced Usage Tips

Batch Processing:

Use CSV processing features for bulk data analysis rather than individual requests
Group similar tasks together to benefit from maintained conversation context
Plan intensive AI work sessions to make efficient use of credits

Quality Optimisation:

Invest credits in developing high-quality system prompts that improve all subsequent interactions
Use AI assistance to refine and improve your prompts, making future usage more efficient
Experiment with different approaches to find the most effective methods for your specific needs

Support and Assistance

Getting Help with Credits

Self-Service Resources:

Comprehensive usage analytics in your account dashboard
Model comparison tools to help choose the most cost-effective options

Customer Support:

Email support for detailed usage analysis and optimisation advice
Priority support for Business tier subscribers

Upgrade and Billing Support

Easy Upgrades:

Instant upgrade options available in your account dashboard
One off top-ups available when you need more usage than your credit pack in a month
No interruption to your work when upgrading

OnVerb's chat credit system is designed to provide transparency, control, and excellent value for your AI-powered productivity needs. Whether you're an individual professional exploring AI capabilities or a large team requiring extensive AI assistance, our flexible credit system scales with your needs whilst ensuring you always understand and control your usage costs.

Ready to get started? Sign up for your free account today and receive 50 credits to explore OnVerb's powerful AI capabilities. Upgrade at any time as your needs grow, with immediate access to additional credits and advanced features.

Need more information? Contact our support team at support@onverb.co.uk or explore our comprehensive help documentation for detailed guidance on maximising your OnVerb experience.