Billing
Payments, the credit ledger, and how Tokener.ai reconciles gateway budgets.
Billing has three layers:
- Payments — card checkout through Stripe
- Ledger — append-only credit grants and usage debits
- Gateway budget — enforcement synced from the ledger
Payments
Successful payment creates a durable payment record. Credits are granted only after webhook processing — never on the browser redirect alone.
Ledger
Every credit grant and usage debit is an append-only fact. Balance projections power the console; request paths do not scan the full ledger.
Promotional credits
When a welcome-credit offer is active, an eligible verified account receives one grant. The amount and validity are fixed when the grant is issued. Usage consumes grants with the earliest expiry first; any unused amount expires at the end of its configured UTC billing-day window.
Reconciliation
Jobs keep the gateway budget aligned with the ledger. When they diverge briefly, reconciliation closes the gap. The ledger remains authoritative for billing state.