Credit Wallet & Token Billing
Prepaid credit balance with top-up packages and per-action consumption metering
Pay-per-use billing module — gives every user a prepaid credit balance, top-up packages via Stripe or local payment, per-action consumption metering, and insufficient-credit gating that redirects to purchase. Common in SaaS where each scan, API call, or AI request consumes credits rather than running on a flat monthly fee.
Features
What's Included
Credit Balance Ledger
Append-only ledger of every credit and debit with action reference, actor, and timestamp for forensic accounting.
Top-Up Packages
Configurable top-up bundles (e.g., 100 credits for RM50, 500 for RM200) purchased via the payment gateway.
Per-Action Pricing
Action catalogue mapping each consumable action to a credit cost (e.g., quick scan = 1 credit, full scan = 5 credits).
Insufficient-Credit Gating
Pre-flight balance check with confirmation prompt and redirect-to-top-up when the user's balance is insufficient.
Auto Top-Up Rules
Optional auto top-up when balance falls below a configurable threshold using the user's saved payment method.
Consumption Reporting
Per-user and admin-wide reports on credit usage by action, time window, and revenue attribution.
Plans
Feature Comparison
See what's included at every level — each tier builds on the previous one.
| Feature | Basic | Advanced | Expert | Enterprise |
|---|---|---|---|---|
| Manual credit grants | ||||
| Single per-action price | ||||
| Balance display | ||||
| Manual top-up | ||||
| Top-up packages via payment gateway | — | |||
| Action-cost catalogue | — | |||
| Insufficient-credit gating | — | |||
| Top-up history | — | |||
| Auto top-up rules | — | — | ||
| Consumption reporting | — | — | ||
| Tiered package pricing | — | — | ||
| API for headless integration | — | — | ||
| Multi-currency credit wallets | — | — | — | |
| Per-tenant credit pools | — | — | — | |
| Admin grant and revoke audit | — | — | — | |
| Revenue and usage analytics | — | — | — |
Basic
4 features- Manual credit grants
- Single per-action price
- Balance display
- Manual top-up
- — Top-up packages via payment gateway
- — Action-cost catalogue
- — Insufficient-credit gating
- — Top-up history
- — Auto top-up rules
- — Consumption reporting
- — Tiered package pricing
- — API for headless integration
- — Multi-currency credit wallets
- — Per-tenant credit pools
- — Admin grant and revoke audit
- — Revenue and usage analytics
Advanced
8 features- Manual credit grants
- Single per-action price
- Balance display
- Manual top-up
- Top-up packages via payment gateway
- Action-cost catalogue
- Insufficient-credit gating
- Top-up history
- — Auto top-up rules
- — Consumption reporting
- — Tiered package pricing
- — API for headless integration
- — Multi-currency credit wallets
- — Per-tenant credit pools
- — Admin grant and revoke audit
- — Revenue and usage analytics
Expert
12 features- Manual credit grants
- Single per-action price
- Balance display
- Manual top-up
- Top-up packages via payment gateway
- Action-cost catalogue
- Insufficient-credit gating
- Top-up history
- Auto top-up rules
- Consumption reporting
- Tiered package pricing
- API for headless integration
- — Multi-currency credit wallets
- — Per-tenant credit pools
- — Admin grant and revoke audit
- — Revenue and usage analytics
Enterprise
16 features- Manual credit grants
- Single per-action price
- Balance display
- Manual top-up
- Top-up packages via payment gateway
- Action-cost catalogue
- Insufficient-credit gating
- Top-up history
- Auto top-up rules
- Consumption reporting
- Tiered package pricing
- API for headless integration
- Multi-currency credit wallets
- Per-tenant credit pools
- Admin grant and revoke audit
- Revenue and usage analytics
Use Cases
Where This Module Fits
Cybersecurity vulnerability scanning SaaS
AI API and ML inference platforms
Telephony minutes and SMS top-ups
Video-call platforms billed per minute
Document e-signature pay-per-envelope
Technology
Built With
Production-grade technologies trusted by enterprises worldwide.
Related Modules
Works Well With
Payment Gateway Hub
Unified payment abstraction over FPX, credit cards, e-wallets, and regional payment methods
Subscription & Recurring Billing
Plan management with trials, upgrades, proration, invoicing, and dunning
Invoice & Quotation Generator
Professional invoice and quotation creation with templates, tax calculation, and payment tracking
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