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Loremind Platform APICredits & Billing

Credits & Billing

LoreMind usage is measured in credits. Your subscription plan includes a monthly credit allotment, and you can buy top-up credits any time. This page covers billing from an integrator’s perspective; for plan details and pricing, see the pricing page .

Last verified against LoreMind v1.0.67 (August 2026).

How Credits Work

Every plan includes a monthly credit allotment that refreshes at the start of each billing cycle (unused subscription credits do not roll over). If you need more, top-up credit packs are available in the dashboard — top-up credits never expire.

When the API charges for usage, your subscription allotment is consumed first, then top-up credits.

Credits are deducted for:

  • NPC Interactions - When NPCs respond to players
  • Lore Document Processing - When you upload lore documents
  • Entity Mind Generation - When you create AI-assisted personalities
  • Memory Operations - When NPCs retrieve/store long-term memories
  • Lore Scanner - When scanning game files for lore extraction

What Affects Cost

Costs are token-based: longer inputs and longer outputs cost more.

For NPC Interactions:

  • Player input length and complexity
  • Lore context retrieved (TopK setting)
  • Response length (Verbosity setting)
  • Conversation history length
  • Memory retrieval/storage

For Lore Documents:

  • Document length
  • Number of chunks created

For Lore Scanner:

  • Total file size uploaded
  • Number of files scanned
  • AI agent processing (more expensive than manual upload)

Cost Estimates

LoreMind provides estimates before operations:

  • Dashboard Estimates - See costs before uploading/generating
  • Scanner Estimates - The /scanner/estimate endpoint returns a cost estimate before you upload
  • Rolling Averages - Estimates improve as your actual usage history builds up

To project a budget, multiply the estimates by your expected usage; once history builds up, the dashboard shows actual averages.

Managing Your Plan

Subscription plans, top-up packs, and payment methods are managed in Billing  in the dashboard. New accounts receive free starter credits to test with.

Buying Top-Up Credits

  1. Go to Billing  in the dashboard
  2. Select a credit pack
  3. Click Purchase
  4. Complete checkout (Stripe)

Top-up credits are added immediately and never expire.

Auto-Reload

Never run out unexpectedly:

  1. Go to Billing  > Auto-Reload Settings
  2. Enable auto-reload
  3. Set threshold (when to reload)
  4. Select which credit pack to buy
  5. Set monthly spending cap (recommended)

How it works:

  • Balance drops below threshold → credit pack purchased automatically
  • Email confirmation sent
  • Monthly cap prevents unexpected bills

Monitoring Usage

Dashboard

Credit balance always visible in header.

Usage Analytics

  1. Go to Billing  > Usage
  2. Select date range
  3. See breakdowns by operation type

Per-NPC Analytics

See which Entity Minds consume the most:

  1. Go to Entity Minds 
  2. View usage statistics per NPC
  3. Click for detailed breakdown

In Your Game

API responses do not include cost data — monitor costs and set up low-balance alerts in the dashboard .

Reducing Costs

Response Settings

  • Shorter Verbosity - Terse responses use fewer tokens (configure per Entity Mind in dashboard)
  • Clear Conversation History - Long conversations increase context

Memory Usage

Only enable memory for NPCs where persistence matters.

Monitor and Optimize

Use dashboard analytics to identify:

  • Which NPCs cost the most
  • Which operations are expensive
  • Where to optimize settings

Alerts

Low Balance Warnings

Dashboard warns when credits are low. Configure thresholds in Settings > Notifications.

Email Notifications

You’ll receive emails for:

  • Successful purchases
  • Auto-reload triggers
  • Balance critically low

Troubleshooting

”Insufficient credits”

Your balance ran out — API requests fail with a 402 Insufficient credits error until you top up. Buy a top-up pack, upgrade your plan, or enable auto-reload, and handle the 402 gracefully in your game (see Errors & Rate Limits).

Auto-reload not working

Check:

  1. Auto-reload enabled?
  2. Payment method valid?
  3. Hit monthly spending cap?

Costs higher than expected

Review configuration in the dashboard:

  • Verbose when Balanced would suffice? (Entity Mind → Response Config)
  • Conversation history being cleared when players walk away?
  • Memory enabled for NPCs that don’t need it?

Refunds

Contact support for refund requests.

Next Steps

Last updated on
Errors & Rate LimitsOverview