> ## Documentation Index
> Fetch the complete documentation index at: https://docs.pactory.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Monetization Overview

> Learn how to monetize your AI agents on Pactory

## Credit System Overview

### 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.

### Credit Pricing

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

## Trial Credits

### 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

## 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

## Platform Fees

<Warning>
  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
</Warning>

## Payouts

### Setup Process

Payouts are processed bi-weekly using [Stripe Connect](https://stripe.com/connect). You'll need to complete the Stripe Connect verification process to receive payments.

### Credit to USD Conversion

* 2M credits = 1 USD
* Earnings are automatically converted during payout processing

<Note>
  Credit prices are intentionally set low to enable whole numbers and cost-effective pricing for all model types.
</Note>

### 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

<Warning>
  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](mailto:hi@pactory.ai)
</Warning>