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Overview

Your credits balance is the pool of funds your agents can spend on paid MCP tools. When a tool is called, its price is deducted from your balance.

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Viewing Your Balance

Go to Wallet in your dashboard to see:
  • Current balance - Available credits in USD
  • Recent transactions - Charges and deposits
  • Spending trends - Usage over time

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Adding Funds

Deposits are coming soon. During beta, contact [email protected] to add credits to your account.
Once available, depositing will work like this:
1

Go to Wallet

Navigate to Wallet in your dashboard.
2

Click Deposit

Click the Deposit button.
3

Enter amount

Enter the USD amount you want to deposit (minimum $5).
4

Complete payment

Pay via credit card or bank transfer.
Credits are added instantly after payment confirmation.

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Understanding Charges

Each tool call deducts its price from your balance:
ToolPrice100 calls
get_weather$0.01$1.00
analyze_image$0.05$5.00
generate_report$0.10$10.00
Free tools (price = $0) don’t affect your balance.

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Transaction History

Your wallet shows all transactions: 
-$0.05  get_forecast        WeatherAPI    2 min ago
-$0.01  get_weather         WeatherAPI    5 min ago
-$0.02  analyze_sentiment   TextAPI       1 hour ago
+$50.00 Deposit             -             Yesterday
Each entry includes:
  • Amount - Positive for deposits, negative for charges
  • Tool/Type - What the charge was for
  • Provider - Who received the payment
  • Time - When it occurred

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Low Balance Warnings

When your balance drops below $1.00, you’ll see a warning in your dashboard. If your balance reaches $0, tool calls will fail with INSUFFICIENT_BALANCE.
Set up a reminder to check your balance weekly, or deposit larger amounts less frequently.

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Budgeting

To estimate monthly costs:
  1. Identify tools you use - List the MCP tools your agent calls
  2. Check their prices - Ask the provider or check their docs
  3. Estimate call volume - How many calls per day/week?
  4. Calculate: calls × price = cost
Example:
  • 1,000 weather calls/day × 0.01=0.01 = 10/day = $300/month
  • 100 analysis calls/day × 0.05=0.05 = 5/day = $150/month
  • Total: ~$450/month

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FAQs

It can’t. Payo checks your balance before each tool call. If you don’t have enough, the call fails with INSUFFICIENT_BALANCE.
Contact [email protected] for refund requests. Unused credits can typically be refunded within 30 days of deposit.
No, credits don’t expire. Your balance remains until spent.
Coming soon. We’re working on daily/monthly limits and alerts.