Consumption credit is an **internal wallet from your provider**, separate from your subscription: it covers **only conversations above your plan** (the Messages axis from section 5 — AI tokens aren't covered by credit, they have their own quota and extension, section 6). Your monthly subscription is always paid in full via Stripe; credit never replaces or prorates that fee. **Requirements:** Administrator role. 1. On **Settings → Billing**, in the **Consumption credit** panel, tap **Top up credit**. 2. In the dialog, choose one of the **preset amounts** (5, 10, 25 or 50 in your contract's currency — section 1; you'll see € or $ as applicable) or type a **free amount between 5 and 1,000** in that same currency, in the "Custom amount" field. 3. Tap **Top up**: a **one-time payment** Stripe Checkout opens (it isn't a new subscription). 4. Complete the payment on Stripe. **Result:** your balance updates as soon as Stripe confirms the payment — never before. Below the available balance, the **transaction history** (up to 50) shows each **Top-up**, **Usage** (overage automatically deducted) or **Adjustment** (manual, made by your provider's team), with its date, reason if it has one, and signed amount. **Your balance never goes below zero** — there's no credit debt. > **Note — Without Stripe configured** > > The dialog opens the same way, but on confirming you'll see the honest notice "Payments aren't available > yet: Stripe isn't configured in this environment" instead of a simulated charge.