---
title: "Prepaid Credits: Real-Time Burndown, Top-Up Rules, and Wallet Logic"
url: https://getlago.com/blog/prepaid-credits
description: "Prepaid credits track customer spend in real time, trigger top-ups automatically, and prevent overages. Here's how Lago's prepaid credit system works."
authors: ["Anh-Tho Chuong"]
tags: ["Product"]
published: 2024-07-25
updated: 2026-09-26
reading_time_minutes: 2
---

# Prepaid Credits: Real-Time Burndown, Top-Up Rules, and Wallet Logic

We’re thrilled to unveil our completely reimagined prepaid credit system! Get ready to experience real-time credit management that’s as dynamic as your business.

### Real-time credit consumption: always stay updated

In the fast-paced world of prepaid credits, real-time capabilities are a game-changer. With our new system, your customers' usage deducts credits instantaneously, keeping their balance always up-to-date. An ongoing balance feature ensures you always know the exact remaining credits, empowering you to make swift decisions—whether it’s blocking usage or granting additional credits, either paid or free ones.

![__wf_reserved_inherit](https://cdn.prod.website-files.com/63569f390f3a7ad4c76d2bd6/6736606a719fc6ad3a0da24c_66a1c992240b9b702b06b420_Screenshot%25202024-07-24%2520at%252010.35.19%25E2%2580%25AFPM.png)

*Real-time credit balance*

### Flexible credit assignments: free trials and prepaid grants

For AI and cloud companies, offering free credits on sign-up can be a powerful incentive. Now, you can seamlessly grant free credits to new users. Additionally, secure payments before usage by having customers prepay for credits. This strategy not only mitigates the risk of overuse and abuse but also ensures that invoices are paid promptly.

![__wf_reserved_inherit](https://cdn.prod.website-files.com/63569f390f3a7ad4c76d2bd6/6736606a719fc6ad3a0da252_66a1c9b7a0af1bc76628b08a_Screenshot%25202024-07-24%2520at%252010.24.02%25E2%2580%25AFPM.png)

### Intelligent automatic top-ups: set it and forget it

Our real-time system supports smart top-up rules based on credit consumption, ensuring your customers never run out of balance.

#### Fixed top-up rules

Automatically top up credits based on two flexible rules:

- **Interval-Based Top-Ups:** Grant credits weekly, monthly, or yearly.
- **Threshold-Based Top-Ups:** Automatically add credits when the balance dips below a certain threshold.

![__wf_reserved_inherit](https://cdn.prod.website-files.com/63569f390f3a7ad4c76d2bd6/67366069719fc6ad3a0da237_66a1c9df4021095ddd0f20e0_Screenshot%25202024-07-24%2520at%252010.27.42%25E2%2580%25AFPM.png)

*Fixed credit top-up based on intervals*

#### Target top-up rules

Choose to refill the balance to a specific target. For example, if the balance drops to 20 credits, the system can top it back up to 100 credits, ensuring consistent availability.

![__wf_reserved_inherit](https://cdn.prod.website-files.com/63569f390f3a7ad4c76d2bd6/6736606a719fc6ad3a0da24f_66a1ca051bd3ea802636647c_Screenshot%25202024-07-24%2520at%252010.27.55%25E2%2580%25AFPM.png)

*Target credit top-up based on amount threshold*

#### Real-time credit alerts: always stay informed

Stay ahead with our three types of real-time alerts:

- **New Wallet Transactions:** Get notified whenever a new transaction occurs.
- **Threshold Alerts:** Receive alerts when the balance falls below a specified level.
- **Depletion Alerts:** Be instantly informed when the balance is completely depleted.

With these alerts, you’ll always be in the know, allowing you to manage credit grants efficiently and proactively.

‍

This revamped prepaid [credit system](https://getlago.com/blog/credit-based-pricing) is designed to offer unparalleled convenience, control, and flexibility to your usage-based billing. Make sure to be paid in-advance by always granting access to consumption-based features with prepayments.