Flexprice vs Credyt
Flexprice is an open-source monetization platform (AGPLv3 core, managed cloud at $500/month) with real-time event metering, a wallet credit system, and a no-code pricing dashboard, self-hostable on Docker Compose or AWS. Credyt is purpose-built real-time billing infrastructure for AI products, built around per-usage authorization and multi-asset wallets: usage events are authorized before they occur and debited atomically from a customer wallet the moment each event happens. Both platforms treat wallets as first-class infrastructure, but differ on when the debit happens and whether events can be blocked before they run. At the canonical scenario (100 customers, $2K MRR, 100K events, 5 seats), Flexprice costs $500/month (Starter) and Credyt costs $90/month plus pass-through PSP fees.
Choose if...
- →Startups and growth-stage teams adopting usage-based or credit-based pricing who need transparent, predictable flat-fee pricing
- →Teams that want open-source code transparency and the option to self-host without vendor lock-in
- →Product and growth teams that need to run pricing experiments without engineering changes for each update
- →AI and SaaS companies in the US or India market that want multi-PSP support including Razorpay and Stripe
- →AI products with per-request inference costs where pre-authorization prevents runaway spend before costs are incurred
- →Solo builders and early-stage teams who need credits, auto top-up, and a billing portal without frontend engineering
- →Prepaid credit and token-economy products where customers buy balance upfront and deplete it per usage event
- →Teams implementing hybrid pricing combining subscription entitlements with usage-based overages or top-up credit pools
Feature comparison
| Dimension | Flexprice | Credyt |
|---|---|---|
| Billing model | Hybrid | Hybrid Hybrid: real-time wallet debit for usage events combined with subscription entitlements. Authorization happens before the work starts; the wallet is debited atomically at the moment of usage. |
| Usage authorization | Post-usage No pre-authorization gate is documented. Balance monitoring uses low-balance alerts rather than per-event wallet authorization before work runs. | Pre-usage |
| Wallet architecture | First-class primitive Wallets are documented as core infrastructure with a full lifecycle: create, top-up, auto-recharge, debit, and low-balance alerts. However, automatic usage-based debit from usage events is invoice-driven (debited via INVOICE_PAYMENT transaction), not triggered on individual event ingestion. Manual API debit is synchronous and immediate. | First-class primitive |
| Multi-asset support | USD-with-labels | Native |
| Payment processing | Integrated Requires a PSP account setup. Supported PSPs: Stripe, Razorpay, Paddle, and Chargebee. Not fully open to arbitrary PSPs. | Built-in Built-in via Stripe with no markup on Stripe's standard fees. External PSPs are supported through the Adjustments API — the platform reflects balance changes in Credyt without a direct Credyt integration to the PSP. |
| PSP agnostic | Partial | Partial Stripe is the built-in default; external PSPs are supported via the Adjustments API rather than a direct native integration. Not fully PSP-agnostic. |
| Customer portal | Drop-in Pre-built portal URL, embeddable via iframe and generated via an API token. The portal is read-only for customers — they can view balances, invoices, and usage analytics but cannot initiate payments or self-service top-ups. | Drop-in |
| Auto top-up | Platform-configured Merchants set the top-up threshold and amount; end customers have no self-service threshold control in the documented feature set. | Customer-controlled |
| Open source | Partial The AGPLv3 core covers metering, invoicing, and credit systems. Advanced features (real-time prepaid credit balance, recurring wallet top-ups, entitlement management, revenue analytics) are available on paid cloud tiers. | No |
| Enterprise contracts | Basic | Not supported Volume pricing is negotiable for large wallet counts (contact info@credyt.ai); no formal contract tooling, commit management, or enterprise contract machinery is built into the platform. |
Pricing comparison
- Model
- Flat monthly fee by event volume tier; no revenue percentage
- Free tier
- Yes
- Starting price
- $500/month (Starter, billed monthly; $400/month billed annually)
- Model
- Per Monthly Active Wallet (MAW) + per-event above 1M/month
- Free tier
- Yes
- Starting price
- $0 (first 10 active wallets/month free forever, full feature access)
Canonical scenario — 100 customers, $2K MRR, 100K events, 5 seats
| Line item | Flexprice | Credyt |
|---|---|---|
| Platform fee | $500 (Starter tier, billed monthly; $400/month billed annually) | $0 |
| Per customer | $0 | $90 (100 customers × $0.90 effective rate; pricing is $1/MAW with first 10 MAWs free — 90 paid wallets × $1) |
| Seat fees | $0 | $0 (no seat fees) |
| Event fees | $0 | $0 (100K events within the 1M/month free allowance) |
| Revenue % | $0 | $0 (no revenue percentage) |
| Payment processing | Pass-through | Pass-through |
| Total / month | $500 (Starter); $1,000 (Premium, if advanced credit features required) | $90 + pass-through PSP fees |
Flexprice: The canonical scenario (100K events/month) fits within both the Starter and Premium event limits (10M and 25M respectively). The Starter tier ($500/month) covers core billing, usage metering, wallets, and customer portal. Flexprice does not publicly confirm whether real-time prepaid credit balance, recurring wallet top-ups, and entitlement management require the Premium tier ($1,000/month); if so, effective comparison cost is $1,000/month. Annual billing reduces these by 20%. Payment processing fees are charged by the connected PSP at pass-through rates. The open-source self-hosted version is excluded as it does not include wallet and credit features needed for a like-for-like comparison.
Credyt: Credyt charges $1 per Monthly Active Wallet with the first 10 active wallets free each month. At 100 customers the effective cost is $90 (90 paid wallets × $1). Payment processing fees from Stripe (or external PSP) are passed through without markup and are not included in Credyt's charge. Event total of 100K is well within the 1M free monthly allowance. Do not express as $0.90 per wallet — the pricing is $1/MAW with 10 free.
Flexprice: strengths and limitations
- +Published, transparent flat-fee pricing starting at $500/month with no revenue percentage and a free tier for evaluation
- +Wallet system with full lifecycle documentation — create, top-up, auto-recharge, debit, and low-balance alerts — positioned as core infrastructure
- +No-code pricing management dashboard lets non-engineers modify pricing without code deployments or engineering tickets
- +AGPLv3 open-source core with self-hosting on Docker Compose or AWS ECS/EKS; 3,600+ GitHub stars and active development (v2.1.3, April 2026)
- +ClickHouse-backed real-time event metering for high-volume analytics with flexible deployment options
- +Multiple PSP integrations — Stripe, Razorpay, Paddle, and Chargebee — suits teams in US and India markets
- −Automatic wallet debit from usage events is invoice-driven (INVOICE_PAYMENT transaction), not triggered atomically on each event ingestion
- −No pre-usage authorization primitive — the platform monitors balance via low-balance alerts but cannot gate individual events before they run
- −Customer portal is read-only — end customers can view balances and invoices but cannot initiate payments or self-service top-ups
- −Auto top-up is merchant-controlled — end customers cannot set their own top-up threshold or amount via self-service
- −PSP selection is limited to Stripe, Razorpay, Paddle, and Chargebee; no bring-your-own PSP model is documented
- −Early-stage company (founded 2023) with limited publicly named enterprise customers; track record is thinner than more established billing platforms
Credyt: strengths and limitations
- +Pre-usage wallet authorization prevents margin loss before AI inference costs are incurred
- +Multi-asset wallets hold USD, tokens, GPU hours, credits, and custom units in one customer wallet
- +Drop-in branded billing portal with live balances, usage history, and self-service top-up; no frontend engineering required
- +Event-level cost attribution tracks profitability per customer, per feature, and per workload
- +MCP server connects to Cursor, Windsurf, Claude Code, Codex, Lovable, Bolt, Replit, and V0 for one-prompt billing setup
- +Flat per-wallet pricing with no revenue percentage, no PSP markup, and no seat fees
- −Cloud-hosted only — no self-hosted or on-premises deployment option
- −Proprietary platform; not open source unlike Lago or Flexprice
- −No enterprise contract tooling; large volumes can negotiate custom pricing but there is no formal contract management layer
- −PSP-agnostic only in partial sense; non-Stripe PSPs require manual Adjustments API integration rather than a native connector
- −Not a drop-in replacement for invoice-based subscription billing systems such as Stripe Billing or Zuora
- −Does not process payments directly — depends on Stripe or an external PSP for payment collection
Which one should you pick?
Choose Credyt if your product needs to gate individual events before they run. Credyt's per-usage authorization primitive checks wallet balance before work starts and blocks the event if balance is insufficient. The debit happens atomically at event time, not when an invoice is generated later. Event-level profitability analytics and multi-asset wallet support (native non-USD asset primitives) are also Credyt capabilities that Flexprice does not cover.
Choose Flexprice if you want transparent, published pricing ($500/month Starter), open-source code you can audit and self-host, and a no-code dashboard that lets non-engineers manage pricing without deployment. Flexprice's wallet infrastructure is well-documented and actively developed, and its lower starting price point makes it accessible for early-stage teams moving from flat subscriptions to usage-based billing for the first time. For US and India-market teams that need Razorpay alongside Stripe, Flexprice is one of the few platforms with native Razorpay support.
The most important distinction is billing timing. Flexprice debits wallets via invoice payment (INVOICE_PAYMENT transaction), not on individual event ingestion. Credyt debits atomically per event. For most SaaS usage-based billing this does not matter; for AI products where each inference event has real cost and customers may run many events before an invoice is generated, the difference in when the debit happens has direct impact on credit risk.