> ## Documentation Index
> Fetch the complete documentation index at: https://docs.areahub.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Credits

> How usage is metered and billed.

Usage is metered in **credits**. Different endpoints cost different amounts, because they do different amounts of work.

| Endpoint                    | Credits |
| --------------------------- | ------- |
| `GET /v1/{topic}/risk`      | 1       |
| `GET /v1/bundle/standard`   | 15      |
| `GET /v1/bundle/enterprise` | 35      |

Bundles are cheaper per topic than individual calls. The Enterprise Bundle returns 37 topics for 35 credits.

## You are only charged for successful requests

Credits are deducted **after** a request succeeds, never before.

* A request that returns `200` is charged.
* A request rejected at the door (`401`, `403`, `429`) costs nothing.
* A request that fails upstream (`502`) costs nothing.

Every successful response includes an `X-Credit-Cost` header and a `meta.credit_cost` field showing exactly what you were charged.

<Note>
  **Partial topic failures still count as success.** If an Enterprise Bundle
  returns 36 good topics and one with `"error": "unavailable"`, the request
  succeeded and you're charged the full 35 credits. The bundle is priced on the
  call, not per-topic delivery.
</Note>

## Monthly quota

Each plan includes a monthly credit allowance. Your quota resets on your **billing anniversary** (the day you signed up), not on the 1st of the month.

| Plan         | Monthly credits | Credits/minute |
| ------------ | --------------- | -------------- |
| Starter      | 10,000          | 300            |
| Professional | 100,000         | 1,200          |
| Enterprise   | Custom          | Custom         |

## When you exceed your quota

What happens depends on whether overages are enabled on your account.

<AccordionGroup>
  <Accordion title="Overages disabled (default)">
    Requests are rejected with `429 QUOTA_EXCEEDED` until your billing period resets or you upgrade. You are never charged more than your plan's base price.
  </Accordion>

  <Accordion title="Overages enabled">
    Requests continue to succeed. Credits consumed beyond your quota are billed at your plan's overage rate at the end of the billing period.

    | Plan         | Overage rate      |
    | ------------ | ----------------- |
    | Starter      | \$0.04 per credit |
    | Professional | \$0.03 per credit |

    Overage is billed **per credit**, not per request. One Enterprise Bundle call over quota costs 35 × your overage rate.
  </Accordion>
</AccordionGroup>

To enable or disable overages, contact your account manager.

## Tracking your usage

Every response tells you what it cost:

```bash theme={null}
curl -D - "https://api.areahub.com/v1/bundle/standard?lat=40.71&lng=-74.00" \
  -H "X-API-Key: YOUR_API_KEY"
```

```
X-Credit-Cost: 15
X-RateLimit-Limit: 300
X-RateLimit-Remaining: 285
X-RateLimit-Reset: 1783369320000
```