# Billing

`GET /api-v1-billing` returns `billing_mode`, the packs you can buy, and the current balance.

`POST /api-v1-billing`

Personal accounts use the same packs as Chat and Create:

```json
{ "action": "create_topup_session", "package_id": "credits_5" }
```

| package_id | Credits | Price |
|------------|---------|-------|
| credits_5 | 500 | $5 |
| credits_10 | 1,000 | $10 |
| credits_20 | 2,000 | $20 |

Team and Business orgs use company packs (`org_credits_100`, `org_credits_500`, `org_credits_2000`) and optional auto top-up. Those are not required to use the API.

Returns `checkout_url`. The same URL is attached to every `insufficient_credits` 402.