# What are Credits

> Understand how credits work on AgentPMT -- how to buy them, how they're spent, and when they expire.

Content type: documentation
Source URL: https://www.agentpmt.com/docs/core-concepts/what-are-credits
Markdown URL: https://www.agentpmt.com/docs/core-concepts/what-are-credits?format=agent-md
Category: Core Concepts

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# What are Credits

**Credits** are the simplest way to pay for tool calls on AgentPMT. Buy credits with a credit card, and your agent spends them when it uses tools. 100 credits = $1.

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## How Credits Work

1. **Buy a credit pack**
   Purchase credits from your dashboard using a credit card. Packs come in 500-credit increments.

2. **Agent uses tools**
   Each tool has a credit price set by its vendor. When your agent calls a tool, credits are deducted from your balance.

3. **Only charged on success**
   If a tool call fails, no credits are deducted. You only pay for successful calls.

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## Key Details

| | |
|---|---|
| **Exchange rate** | 100 credits = $1.00 USD |
| **Minimum purchase** | 500 credits ($5.00) |
| **Expiration** | 12 months from purchase |
| **Failed calls** | Not charged |
| **Refunds** | Credits are non-refundable but don't expire for 12 months |

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## Where to See Your Balance

Your credit balance is visible in the floating credits widget in the top navigation bar across the site. Click it to see a breakdown of your balance, recent transactions, and expiration dates.

You can also view full credit history from your dashboard.

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## Credits vs. x402 Wallet Payments

**Credits -- Best for most users** -- Buy with a credit card. No blockchain knowledge needed. Simple and immediate. Good for getting started.

**x402 Wallet -- Best for power users** -- Fund with USDC stablecoin. On-chain transparency. Required for fully autonomous agents. Programmable guardrails via smart contracts.

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## Next Steps

- [How to Buy Credits](/docs/payments-and-billing/how-to-buy-credits) - Step-by-step guide to purchasing credits
  - [Understanding Pricing](/docs/payments-and-billing/understanding-pricing-and-credit-costs) - Learn how tool pricing and credit costs work