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Credits and billing

Running low or out of credits

The warnings you get as credits run low, what callers and widget visitors see at zero (402 OUT_OF_CREDITS), and how to resume.

Troubleshooting1 min readUpdated 23 October 2026

When your balance reaches zero, everything that spends credits stops: agent replies on every channel, knowledge ingestion and workflow steps that cost credits. Nothing is deleted. Buy credits and everything resumes at once.

The warnings

WhenWhat happens
At 20% of your last pack (50 credits while you're on the free credits)A Low balance email to your account email
At 10% of your last packA yellow bar across the app
At zeroAn Out of credits email, and requests are refused

These emails are always on, so you can't miss a billing problem (Settings → Notifications lists them).

What callers see at zero

  • API: 402 Payment Required with code OUT_OF_CREDITS, the message "You're out of credits. Buy credits to continue.", your balance and a buy_url (/settings?tab=billing).
  • Website widget: visitors see "This assistant is unavailable right now. Please try again later."
  • Workflows: runs that need a credit are refused with 402 OUT_OF_CREDITS.
  • Knowledge: an upload or crawl that needs more credits than you have is refused; a crawl skips pages beyond your balance. A crawl needs at least 5 credits to start.

Check these in order

  1. 1

    Buy a pack

    Billing → Buy credits. Replies resume as soon as the payment succeeds. See Buy credits.

  2. 2

    Turn on auto top-up

    So it doesn't happen again. See Auto top-up.

  3. 3

    If auto top-up was on

    Check the Auto top-up panel for a pause reason or a reached monthly limit.

  4. 4

    Find what spent them

    Settings → Usage splits spending between replies and knowledge; Analytics shows requests per agent. A spike usually means a busy widget or a loop in your own code.

Will my agents' settings or knowledge be lost?

No. Everything stays; only spending stops.

Does a request refused at zero cost anything?

No.

Can visitors see that I'm out of credits?

No. The widget only says the assistant is unavailable right now.

Still stuck?

Email us with what you tried and any request id. A person replies.

support@sentientone.ai