Understanding Usage Credits, Committed Plans, and Overage Billing
Learn how Usage Credits work across API Bricks products, how committed plans apply discounts, and how usage over plan limits is billed.
Understanding Usage Credits, Committed Plans, and Overage Billing
API Bricks products use Usage Credits (UC) as the billing unit for API usage.
This guide explains how Usage Credits work, how committed plans apply discounts, and how overage billing works across API Bricks products.
This article explains the general Usage Credit model used across API Bricks products. Product-specific pricing, usage types, limits, and rates may differ by product.
What are Usage Credits?
Usage Credits, or UC, are the credits consumed when your organization uses API Bricks products.
Depending on the product, usage may be based on different units, such as:
- API calls
- Rates
- Data transfer
- REST Credits
- WebSocket data transfer
- Flat Files requests
- Flat Files data downloads
- Connection-Hours for certain protocols
The product pricing page defines how each type of usage is converted into Usage Credits.
Pay As You Go credits
With Pay As You Go, credits are purchased at the standard rate:
| Plan | Price per Credit |
|---|---|
| Pay As You Go | $1.00 / Credit |
This means that if your usage consumes 100 UC, the Pay As You Go cost is $100 before applicable taxes or fees.
Pay As You Go is usually best for:
- Testing
- Occasional usage
- Unpredictable usage
- One-time downloads or backfills
- Customers who are not ready to commit to a monthly plan
How committed plans work
Committed plans allow you to purchase Usage Credits at a lower effective price per credit.
For example:
| Plan | Price per Credit | Monthly price | Approx. included credits |
|---|---|---|---|
| Committed 64 | $0.85 / Credit | $64/month | ~75.29 UC |
| Committed 256 | $0.75 / Credit | $256/month | ~341.33 UC |
| Committed 512 | $0.70 / Credit | $512/month | ~731.43 UC |
| Committed 1024 | $0.65 / Credit | $1,024/month | ~1,575.38 UC |
The lower the price per Credit, the more Usage Credits you receive for the same dollar amount.
For example, with the Committed 256 plan:
$256 ÷ $0.75 per Credit = ~341.33 UC
This means you pay $256 and receive approximately 341.33 Usage Credits.
Why usage is shown in UC
The portal shows usage in Usage Credits because API usage is billed against the organization’s UC balance.
For example, a product may show usage such as:
| Usage type | Example metered usage |
|---|---|
| Data transfer | 1 UC per GB |
| API calls | 10 UC per 1,000 requests |
| Rates | Based on daily rate tiers |
This does not mean the committed discount was ignored.
The usage meter shows how many credits were consumed. The discount is applied when credits are purchased through a committed plan at a lower price per credit.
Example: Usage within the plan limit
Assume you are on the Committed 256 plan.
The plan costs:
$256/month
The price per Credit is:
$0.75/Credit
Included credits:
$256 ÷ $0.75 = ~341.33 UC
Now assume your usage for the month is:
300 UC
Since the plan includes approximately 341.33 UC, the usage is fully covered:
341.33 UC included - 300 UC used = 41.33 UC remaining
There is no additional Pay As You Go usage in this example.
Example: Usage above the plan limit
Assume you are on the same Committed 256 plan.
Included credits:
~341.33 UC
Now assume your usage for the month is:
500 UC
The plan covers the first 341.33 UC.
The remaining usage is:
500 UC - 341.33 UC = 158.67 UC overage
Usage above the included plan credits is billed as additional Pay As You Go usage at the standard rate of:
$1.00/Credit
So the estimated monthly cost is:
$256 plan cost + $158.67 overage = $414.67
Why the portal may still show the full usage amount
The portal may show the full metered usage, such as:
500 UC consumed
This is expected.
It means your organization consumed 500 Usage Credits. It does not mean the committed plan discount was ignored.
The plan discount is reflected in how much you paid for the included credits. For example, under the Committed 256 plan, you received approximately 341.33 UC for $256, instead of buying those credits at the standard Pay As You Go rate.
How overage works
Overage happens when your usage exceeds the credits included in your committed plan.
For example:
| Item | Value |
|---|---|
| Included plan credits | 341.33 UC |
| Monthly usage | 500 UC |
| Overage | 158.67 UC |
The overage is billed as additional Pay As You Go usage at:
$1.00/Credit
If your usage regularly exceeds your committed plan, a larger committed plan or an Enterprise plan may be more cost-effective.
Product-specific usage units
Usage Credits are used globally, but each product may measure usage differently.
Examples:
| Product type | Common usage units |
|---|---|
| Market Data API | REST Credits, WebSocket Tier 1 data, WebSocket Tier 2 data, FIX Connection-Hours |
| Exchange Rates API | Rates via REST or WebSocket |
| Currencies API | Rates via REST or WebSocket |
| Indexes API | API calls and WebSocket data transfer |
| Prediction Markets API | API calls |
| SEC API | Data transfer |
| Stock API | Data transfer |
| Flat Files | Data transfer and API requests such as GET, HEAD, and LIST |
Always check the product pricing page for the exact usage model and rates.
Daily tiers and committed plans
Some products use daily pricing tiers.
This means the unit price may decrease as daily usage increases.
For example, a product may have pricing tiers such as:
- First usage tier
- Next usage tier
- Higher-volume usage tier
Usage paid with committed credits still counts toward daily pricing tiers.
This means committed plans and daily tiered pricing can work together:
- Product usage is calculated according to the product’s pricing rules.
- Daily tiers are applied where applicable.
- Usage consumes credits from the organization’s balance.
- If included committed credits are exhausted, remaining usage is billed as Pay As You Go.
Choosing the right committed plan
A good rule of thumb is to choose the plan where your expected monthly usage is close to the included credits.
| Expected usage pattern | Suggested option |
|---|---|
| One-time or unpredictable usage | Pay As You Go |
| Low recurring usage | Committed 64 |
| Moderate recurring usage | Committed 256 |
| Higher recurring usage | Committed 512 or Committed 1024 |
| Very high or custom usage | Enterprise |
Committed plans are usually most useful when your usage is predictable and recurring.
Before choosing a plan
Before subscribing to a committed plan, estimate:
- Which product you plan to use
- Which endpoints, datasets, or protocols you will use
- Your expected daily or monthly usage
- Whether usage is one-time or recurring
- Whether the workload may produce overage
- Whether your tools may generate additional requests or data transfer
For Flat Files or S3-compatible downloads, also consider whether your tool performs extra operations such as LIST, HEAD, retries, or multipart downloads.
Common questions
Why does usage show in UC instead of USD?
Usage is billed against your organization’s Usage Credit balance. The portal shows how many credits were consumed.
Does a committed plan lower each usage line item?
Not always. The usage line item may still show the standard metered UC usage. The committed discount is applied through the lower price paid per Credit.
What happens if I use more than my included credits?
Usage above the included plan credits is billed as Pay As You Go at $1.00/Credit.
What happens if I use less than my included credits?
Committed plans are designed for predictable recurring usage. If your usage is much lower than the included credits, Pay As You Go or a smaller committed plan may be a better fit.
Do committed credits apply across products?
Committed credits are applied according to the product and organization billing configuration. Check the applicable product pricing page or your organization billing settings for details.
Are taxes or fees included in the examples?
No. Pricing examples usually show estimated usage before applicable taxes, fees, or other invoice-level adjustments.
Summary
Usage Credits are the billing unit used across API Bricks products.
Key points:
- Usage is measured in Usage Credits (UC).
- Pay As You Go credits are priced at $1.00/Credit.
- Committed plans let customers purchase credits at a lower price per Credit.
- The portal shows how many UC were consumed.
- The committed discount is applied through the lower price paid per Credit.
- Usage above included committed credits is billed as Pay As You Go.
- Product-specific usage rules still apply, such as API calls, rates, data transfer, or Connection-Hours.
- For best results, estimate expected usage before choosing a committed plan.
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