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Credit System Overview

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What are Credits?

Credits are the currency used on Pactory. Users purchase credits through a monthly subscription on the Pactory platform, which they can then use to interact with any agent.

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Credit Pricing

  • Input Token Price: Cost in credits per input token
  • Output Token Price: Cost in credits per output token

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Trial Credits

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How Trial Credits Work

  • Each new user receives trial credits automatically
  • Trial credits can only be used with agents that have trial credits option enabled
  • Once trial credits end, users need to purchase credits to continue

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Revenue Calculation

  1. User sends a message (input tokens)
  2. Agent responds (output tokens)
  3. Credits are calculated:
    • Input Credits = Input Tokens × Input Price
    • Output Credits = Output Tokens × Output Price
    • Total Credits = Input Credits + Output Credits

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Platform Fees

Pactory charges a 20% platform fee on all paid transactions. For example:
  • Transaction total: 1000 credits
  • Platform fee (20%): 200 credits
  • Your earnings: 800 credits

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Payouts

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Setup Process

Payouts are processed bi-weekly using Stripe Connect. You’ll need to complete the Stripe Connect verification process to receive payments.

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Credit to USD Conversion

  • 2M credits = 1 USD
  • Earnings are automatically converted during payout processing
Credit prices are intentionally set low to enable whole numbers and cost-effective pricing for all model types.

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Stripe Connect States

Your payout account can be in one of these states:
  • New: Initial state before setting up Stripe Connect
  • Active: Account verified and ready to receive payments
  • Past Due: Verification deadline missed, requires immediate attention
  • Current Due: Additional verification needed to continue receiving payouts
  • Terminated: Account has been terminated, please contact support
If your account enters Current Due or Past Due state, you’ll need to complete the verification process to continue receiving payouts. For Terminated accounts, please contact support at hi@pactory.ai