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

# Purchasing Credits

> How to buy additional credits or upgrade your subscription plan

## Two Ways to Get More Credits

When you need more credits, you have two options:

<CardGroup cols={2}>
  <Card title="Buy Credits ($1 each)" icon="cart-shopping" color="green">
    **Best for:** Occasional high-usage months

    One-time purchase, valid for 1 year, works with any plan
  </Card>

  <Card title="Upgrade Plan" icon="arrow-up" color="blue">
    **Best for:** Consistent higher usage

    Get more monthly credits every month
  </Card>
</CardGroup>

***

## Option 1: One-Time Credit Purchase

Purchase individual credits at **\$1 per credit** that work with any plan.

### Benefits

* **Valid for 1 year** from purchase date
* **Roll over month-to-month** until expiration
* **Work with any plan** - even if you downgrade or cancel
* **No commitment** - Buy only what you need
* **Stack with monthly credits** - Add to your existing allocation

### How to Purchase Credits

<Steps>
  <Step title="Go to Settings → Billing" />

  <Step title="Find 'Buy Additional Credits' section" />

  <Step title="Enter the number of credits" />

  <Step title="Click 'Buy Credits'" />

  <Step title="Credits added immediately" />
</Steps>

### When to Buy Credits

<AccordionGroup>
  <Accordion icon="calendar-days" title="Occasional high-usage months">
    You normally use 30 credits/month but have a busy quarter coming up with 60 credits needed. Buy 30 extra credits instead of upgrading your plan.
  </Accordion>

  <Accordion icon="shield" title="Safety buffer">
    Buy extra credits as insurance to ensure you never run out mid-workflow, even during unexpected busy periods.
  </Accordion>

  <Accordion icon="piggy-bank" title="Avoid upgrading temporarily">
    If you only occasionally need more than your plan provides, buying credits is more cost-effective than upgrading for just one or two months.
  </Accordion>

  <Accordion icon="hourglass-end" title="End of billing period">
    If you're about to run out of credits before your billing period resets, buy a small amount to tide you over rather than waiting.
  </Accordion>
</AccordionGroup>

***

## Option 2: Upgrade Subscription Plan

Upgrade to a higher plan for more monthly credits every month.

### Benefits

* **More credits every month** automatically
* **Better value** if you consistently need more credits
* **Immediate effect** - Get new allocation right away
* **Predictable pricing** - Same amount every month
* **Additional features** - Team Plan unlocks collaboration features

### How to Upgrade

<Steps>
  <Step title="Go to Settings → Billing" />

  <Step title="View available plans" />

  <Step title="Click 'Upgrade' on desired plan" />

  <Step title="Complete payment setup via Stripe" />

  <Step title="Upgrade takes effect immediately" />
</Steps>

### When to Upgrade

<AccordionGroup>
  <Accordion icon="chart-line" title="Consistent high usage">
    You use 80-100% of your monthly credits every month. Upgrading provides better value than repeatedly buying additional credits.
  </Accordion>

  <Accordion icon="arrow-trend-up" title="Growing operations">
    Your brokerage is growing and you're automating more workflows. Upgrade proactively to avoid running out of credits.
  </Accordion>

  <Accordion icon="users" title="Need team collaboration">
    You want to add team members. Upgrade to Team Plan (\$999/month) which unlocks unlimited team members and permission management.
  </Accordion>

  <Accordion icon="plug" title="Need integrations or API">
    You want custom integrations with your AMS, CRM, or other systems. Upgrade to Enterprise for API access and custom integrations.
  </Accordion>
</AccordionGroup>

***

## Payment Methods

InsureStack uses **Stripe** for secure payment processing.

### Payment Security

* All payment data is handled by Stripe
* InsureStack never stores your full card details
* You can add multiple payment methods
* Set a default payment method for automatic billing

Learn more about [payment methods](/settings/payment-methods).

***

## Frequently Asked Questions

<AccordionGroup>
  <Accordion icon="circle-question" title="Can I buy credits and upgrade at the same time?">
    Yes! Purchased credits stack with your plan's monthly allocation. Many customers buy a safety buffer of purchased credits even when on a paid plan.
  </Accordion>

  <Accordion icon="circle-question" title="What happens to purchased credits if I upgrade?">
    They remain available and continue to be valid for 1 year from purchase. They stack with your new plan's credits.
  </Accordion>

  <Accordion icon="circle-question" title="Can I get a refund on purchased credits?">
    Purchased credits are non-refundable once added to your account. However, they're valid for 1 year, so you have plenty of time to use them.
  </Accordion>

  <Accordion icon="circle-question" title="Do purchased credits expire if I cancel my subscription?">
    No. Purchased credits remain valid for 1 year from purchase, even if you cancel your subscription and return to the Pay as you Go plan.
  </Accordion>

  <Accordion icon="circle-question" title="Is there a minimum or maximum purchase amount?">
    Minimum: 1 credit (\$1). There is no maximum - buy as many as you need.
  </Accordion>

  <Accordion icon="circle-question" title="Can I buy credits for someone else's organization?">
    No. Credits are tied to the organization and can only be purchased by someone with billing access in that organization.
  </Accordion>
</AccordionGroup>

***

## Next Steps

<CardGroup cols={2}>
  <Card title="View Plans" icon="list" href="/billing/plans">
    Compare subscription plans and features
  </Card>

  <Card title="Credit Types" icon="layer-group" href="/billing/credit-types">
    Understand the 3 types of credits
  </Card>

  <Card title="Plan Changes" icon="arrows-up-down" href="/billing/plan-changes">
    Learn about upgrades and downgrades
  </Card>

  <Card title="Billing FAQ" icon="circle-question" href="/billing/faq">
    More billing questions answered
  </Card>
</CardGroup>