AI Tool

Open Credits

Sell AI credits inside your app. Set your commission across 390+ models and earn on every request - no billing code, no monthly fees.

FreeAI

ABy Adnan ŠahinovićLaunched Oct 14, 2026 UTC0 comments

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Overview

OpenCredits is billing infrastructure for AI apps. Drop in a checkout widget, point your OpenAI or Anthropic SDK at our endpoint, and your users can buy prepaid AI credits without leaving your app. You set your commission and earn it on every request.

Why we built it
One of our cofounders makes Claude Code Chat, a VS Code extension. Running it meant juggling API keys, balances and payments when all he wanted was for people to open the extension and start working. OpenCredits came out of that. Claude Code Chat now runs on it, with 212K+ requests metered and billed.

How it works
1. Set your commission: 0% to 200% of provider cost, adjustable anytime.
2. Embed the checkout: one script tag. Stripe checkout runs inside your app.
3. Change the base URL: keep the OpenAI, Anthropic or Vercel AI SDK you already use.
4. Get paid: your commission on every request, settled monthly.

What you don't have to build
- Stripe integration, checkout pages and payment webhooks
- Token metering and per-model price tables
- A credit ledger: each request reserves its max cost, then settles the actual cost
- Provider accounts: one endpoint reaches 390+ models, including Claude, GPT, Gemini, Grok, DeepSeek and Llama
- Webhooks (HMAC-signed, auto-retried) and balance/history APIs

Shared balances
Credits belong to users, not apps. A user who bought credits in another OpenCredits app can let yours spend from that balance, up to a limit they set. Users can arrive already paid up, and each request earns commission for the app that made it.

Pricing
Free to set up, with no subscription and no monthly fees. Users pay in credits (1 credit = $0.01) and top up from $5 to $500. Stripe is the merchant of record and handles VAT, sales tax, refunds and chargebacks.

Who it's for
Developers building AI chat apps, coding assistants, writing tools, CV generators: anyone who wants to charge for AI usage without building billing.

Start building: opencredits.ai/partners
Docs: opencredits.ai/docs

Who is it for?

Founders, indie hackers, developers, agencies, Small Businesses, Startups

Problem

Every AI app eventually has to charge for usage, because API bills scale with users. Doing that properly means building a billing company inside your product: Stripe checkout and webhooks, token counting, per-model price tables, a race-condition-safe balance ledger, refunds, VAT, plus funded accounts at OpenAI, Anthropic and Google. Most indie devs either eat the costs, force users to bring their own API keys (which kills conversion), or slap on a flat subscription that loses money on heavy users. Weeks go into billing instead of the product.

Solution

OpenCredits is a drop-in billing layer. Add one script tag and your users buy prepaid credits through a Stripe checkout inside your app. Change your SDK's base URL to ours and every request to 390+ models is metered at real token cost and deducted from their balance. You set your commission (0–200% of provider cost) and get paid monthly. Stripe is the merchant of record, so VAT, refunds and chargebacks aren't your problem. No provider accounts, no subscription and no monthly fees: you just ship your AI app and earn on every request

What makes it unique

Most AI apps either eat the API bill or build a whole billing system: Stripe, token metering, per-model pricing, a balance ledger. OpenCredits replaces all of that with two snippets, and you earn a commission (0–200% of provider cost) on every request instead of just covering costs. Unlike OpenRouter-style gateways, the checkout lives inside your app and you set the margin. Unlike usage-billing tools, there are no provider accounts to fund and no monthly fees. Credits also belong to users, not apps, so someone who already holds OpenCredits credits from another app can start using yours with zero friction.