How plans work
What a subscription actually buys: two allowances, a rate limit, keys and seats — and what happens when one lapses.
Updated August 28, 2026
What a plan buys
A subscription sets five things at once:
- a monthly general allowance, refreshed every cycle
- a monthly AI allowance, for tools that call a model
- a rate limit — requests per minute, per API key
- a number of API keys you may hold
- seats, for organization plans
Both allowances matter. General credits run every tool; AI credits pay for the model half of the tools that use one. A plan grants each separately — Pro is 20,000 general and 5,000 AI a month — and running out of one does not stop the other.
You can use the API without a plan by buying credit packs. A plan is cheaper per credit and raises the limits; packs are simpler and never expire out from under you at a cycle boundary.
Plans vs credit packs
| Plan | Credit pack | |
|---|---|---|
| Billing | monthly or yearly, recurring | one-off |
| Credits | refresh each cycle; unused amounts roll over when you change plan | yours for 12 months |
| Rate limit | raised | unchanged |
| API keys | more allowed | unchanged |
| Cancel | any time | nothing to cancel |
They combine. A plan's allowance is spent before your purchased credits, so packs act as a reserve for a month where you go over.
Renewal
Your card is charged on the renewal date and the allowance resets.
An unused allowance is not simply discarded. When you change plan, what is left is carried across for 30 days, capped at one month of the new plan's allowance — see the credits doc. It is forfeited if the subscription ends.
When a payment fails
Payment retries happen over several days before anything changes. You are notified, and you can update your card at any point during the retries.
If it ultimately fails, a personal workspace drops to Free and keeps the free monthly allowance. Purchased credits are untouched: you bought them, and they remain.
An organization is different. There is no free tier for organizations, so a lapsed organization keeps its members and its data but has no allowance at all until it is subscribed again. This is the same rule that stops an unsubscribed organization from being created with credits — it applies on the way out as well as on the way in.
A lapse does not create a debt. A balance can only go negative through a refund clawback or a metered call whose true cost exceeded what was there, and topping up clears it first.
Cancelling
Cancelling schedules the plan to end at the end of the period you have already paid for. You keep everything until then; nothing is refunded because nothing is taken away. Rolled-over credits do not survive the end of the subscription.
You can undo a pending cancellation any time before it takes effect. You do not need to cancel in order to change plan — see the plan-change doc.
Related
Changing plan: upgrades, downgrades and your billing date
Upgrades take effect now and are charged now; downgrades take effect at your next renewal. Both keep the credits you already paid for. Here is exactly what happens to your money.
Paying yearly: what changes and what doesn't
A yearly plan is the same plan on a longer billing term — charged once, at a discount. Your credit allowance still refreshes every month. Here is exactly what you get, and how to switch either way.
Invoices, receipts and refunds
Where to find your invoices, what the billing history shows, how refunds affect credits you have already spent, and how tax is handled.
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