Stigg vs Credyt
Stigg is a subscription orchestration and entitlement management platform that sits above a payment processor, handling plan management, feature gating, and pricing experiments while delegating payment collection to Stripe, Zuora, or Chargebee. Credyt is real-time billing infrastructure built around per-usage authorization and multi-asset wallets: usage events are authorized before they occur and debited atomically from a customer wallet at the moment each event happens. The core difference is scope: Stigg manages what customers are allowed to access based on their plan; Credyt handles money movement and authorization in real time. At the canonical scenario (100 customers, $2K MRR, 100K events, 5 seats), Stigg costs approximately $448/month (Growth plan) and Credyt costs $90/month plus pass-through PSP fees.
Choose if...
- →Teams already on Stripe, Zuora, or Chargebee that want entitlement management without replacing their billing stack
- →Product and growth teams that need to iterate on pricing tiers without engineering changes for each update
- →SaaS products with complex feature access rules, seat limits, and usage quotas across multiple tiers
- →Companies needing credit-based monetization layered over an existing subscription billing system
- →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 | Stigg | Credyt |
|---|---|---|
| Billing model | Subscription + usage | 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 | Pre-usage Stigg's entitlement API gates feature access in real time before usage occurs, but actual billing is post-consumption via the connected billing system (Stripe, Zuora, Chargebee). | Pre-usage |
| Wallet architecture | Add-on Credits and wallet primitives are well-developed with stacked grants, per-grant priority, expiry dates, and explicit drawdown order; billing of wallet top-ups runs through the connected downstream system. | First-class primitive |
| Multi-asset support | USD-with-labels Multiple named credit types per customer with custom consumption formulas; synced to downstream billing as monetary credits. | Native |
| Payment processing | Not applicable Stigg does not process payments. Collection is handled by the connected billing system (Stripe, Zuora, Chargebee, AWS Marketplace, Apple App Store). | 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 | Not applicable | 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. |
| Auto top-up | Platform-configured | Customer-controlled |
| Integration model | Orchestration layer | Extends existing stack |
| Profitability analytics | None | Event-level |
| Enterprise contracts | Basic Enterprise contracts and invoicing are managed by the connected downstream billing system. Stigg's Scale plan includes custom MSA, SAML SSO, and dedicated account management. | 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
- Per subscription + per seat + per event data; contract minimum applies on Growth
- Free tier
- Yes
- Starting price
- $448/month billed annually (Growth plan)
- 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 | Stigg | Credyt |
|---|---|---|
| Platform fee | $0 | $0 |
| Per customer | $32 (100 × $0.32 self-service subscription rate, after Growth discount) | $90 (100 customers × $0.90 effective rate; pricing is $1/MAW with first 10 MAWs free — 90 paid wallets × $1) |
| Seat fees | $160 (5 × $32/month) | $0 (no seat fees) |
| Event fees | ~$0 (100K events well below the $448/month plan floor) | $0 (100K events within the 1M/month free allowance) |
| Revenue % | $0 | $0 (no revenue percentage) |
| Payment processing | Not applicable | Pass-through |
| Total / month | $448 effective (Growth plan $448/month minimum applies; computed per-unit cost for this scenario is ~$192) | $90 + pass-through PSP fees |
Stigg: Computed per-unit costs for this scenario total ~$192 ($32 per-customer × 100 + $160 seats), but the Growth plan has a $448/month contract minimum billed annually, making $448 the effective monthly cost at this scale. Enterprise subscription rate ($0.47/sub after discount) would increase per-customer costs if subscriptions are classified as enterprise. Scale plan requires custom pricing. Payment processing fees are charged by the connected billing system, not Stigg.
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.
Stigg: strengths and limitations
- +Typed entitlement primitive with documented P95 latency under 100ms for real-time feature access checks
- +Credits suite with stacked grants, per-grant priority, expiry dates, custom consumption formulas, and explicit drawdown order
- +No-code pricing console lets product teams change entitlements, plans, and feature access without engineering tickets
- +PSP-agnostic orchestration connects to Stripe, Zuora, Chargebee, AWS Marketplace, and Apple App Store
- +Broad SDK coverage: Node, Python, Go, Ruby, Java, gRPC sidecar, plus React, JavaScript, and Vue UI components
- +Named enterprise customers including Webflow, Miro, Cloudinary, New Relic, PagerDuty, Upwork, and AI21
- −No hosted redirect-style billing portal; customer portal requires embedding React or JavaScript widgets in the host app
- −No profitability analytics — usage reporting does not ingest vendor costs for per-customer margin analysis
- −Growth plan carries a $448/month contract minimum regardless of actual per-unit usage volume
- −Sandbox tier is non-production only; production requires Growth or Scale
- −Production integrations can take weeks to months for complex configurations due to the platform's modeling overhead
- −Integration catalog depth varies — Chargebee is less thoroughly documented than Stripe and Zuora
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 bills per AI inference request and you need to prevent customers from incurring costs before you can collect payment. The per-usage authorization model is designed for this: wallets hold prepaid balance, authorization checks happen before each request, and debits happen atomically. Credyt also handles payment collection directly, so the billing loop is closed on one platform.
Choose Stigg if you need sophisticated entitlement management, plan versioning, and pricing experiments for a product-led growth motion, and you already have a billing system like Stripe that you want to build on rather than replace. Stigg's no-code pricing console and entitlement graph are purpose-built for products with complex subscription tiers and frequent pricing iteration.
These platforms are complementary for teams that need both plan-level entitlement management and per-usage wallet billing. Stigg manages plan entitlements and feature access; Credyt handles the authorization and wallet debit loop. The overlap is primarily in the customer portal and top-up experience.