Frequently asked questions and key information about flexible pricing. Note : ChatGPT Business workspaces created before June 24, 2026 had access to a specific legacy Codex seat type. This is not applicable to any workspaces that did not add this seat type before this date. To learn more, review our article “Managing legacy Codex seats in ChatGPT Business”. For token-based ChatGPT Enterprise agreements, including ChatGPT for Financial Services, usage is charged in US dollars (USD) at your contracted rates. The credit-based rules below apply to credit-based agreements. Read more about token based billing. How do credits work in ChatGPT plans? Credits unlock additional, flexible access to advanced ChatGPT features like Deep Research, Thinking models, Image Generation, Advanced Voice and Codex. These features are available across ChatGPT Business, Enterprise, and Edu plans, with varying usage models: Business users receive per-seat limits for all advanced features. If a user exceeds their limit and the workspace has purchased credits, they can continue drawing from the shared pool. Purchasing credits is optional and only necessary if a workspace owner wants to unblock users who exceed their usage limits across any seat type. Business users receive per-seat limits for all advanced features. If a user exceeds their limit and the workspace has purchased credits, they can continue drawing from the shared pool. Purchasing credits is optional and only necessary if a workspace owner wants to unblock users who exceed their usage limits across any seat type. Enterprise and Edu workspaces purchase a shared credit pool at the contract level. All users and seat types in the workspace draw from this pool when using advanced features. There are no per-seat usage caps by default - owners/admins can use RBAC to set spend controls by group. Enterprise and Edu workspaces purchase a shared credit pool at the contract level. All users and seat types in the workspace draw from this pool when using advanced features. There are no per-seat usage caps by default - owners/admins can use RBAC to set spend controls by group. Review the ChatGPT rate card for rate information. Are credits refundable? Credits are non-refundable unless required by law or your contract, or an approved exception applies. For self-serve ChatGPT Business, unused credits may qualify for a refund for a verified billing error, confirmed unauthorized activity, or a confirmed OpenAI service failure or incorrect account restriction. Credits already used can be reviewed only for a verified billing correction or confirmed unauthorized use, subject to applicable law or contract. Contact OpenAI Support if you believe an exception applies. For Enterprise and Edu, your contract governs credit refund rights. Contact your OpenAI Account team for contract-specific questions. For confirmed account compromise, we may restore credits as described below. What happens when I reach my credit or usage limit? Business: Users see a banner when their included usage is exhausted. If no credits are available in the workspace pool, the feature is blocked and users can ask a workspace owner to add more. Workspace owners can use auto matic recharge to make sure the workspace has sufficient credits. Business: Users see a banner when their included usage is exhausted. If no credits are available in the workspace pool, the feature is blocked and users can ask a workspace owner to add more. Workspace owners can use auto matic recharge to make sure the workspace has sufficient credits. Enterprise and Edu: Once the shared credit pool is exhausted, advanced features will be paused unless Workspace Owners enable overages or purchase additional credits through their OpenAI Account team. Workspace Owners receive email and in-product alerts when thresholds are hit. Enterprise and Edu: Once the shared credit pool is exhausted, advanced features will be paused unless Workspace Owners enable overages or purchase additional credits through their OpenAI Account team. Workspace Owners receive email and in-product alerts when thresholds are hit. How do I buy credits? Business: Workspace owners purchase credits via Settings > Billing . Credit s are pooled across all users. Read more about managing billing in ChatGPT Business workspaces. Business: Workspace owners purchase credits via Settings > Billing . Credit s are pooled across all users. Read more about managing billing in ChatGPT Business workspaces. Enterprise and Edu: Credits are purchased and allocated at the contract level. To increase the workspace’s total shared credit pool, contact your OpenAI Account team. Usage limits only control how the existing pool is used; they do not add credits. Read more . Enterprise and Edu: Credits are purchased and allocated at the contract level. To increase the workspace’s total shared credit pool, contact your OpenAI Account team. Usage limits only control how the existing pool is used; they do not add credits. Read more .

What happens to billing and credits when we add Enterprise users? Workspace owners and admins can generally invite users from Workspace settings, and adding users does not immediately increase the workspace’s shared credit pool. For standard seat-bundled Enterprise contracts that use credit-based billing , qualifying added seats are generally reconciled through quarterly true-ups, typically every 3 months from the workspace’s subscription or service-term start date, not calendar quarters. If applicable, corresponding pooled credits are added after the true-up is processed. Exact timing, thresholds, billing, and credit terms depend on the Order Form and pricing model. Contact your OpenAI Account team for contract-specific details. How can I check my credit balance and usage? Workspace Owners across Business, Enterprise, and Edu plan types can view their remaining credits and download usage reports by going to Workspace settings > Billing . Do credits expire or rollover? Business : Credits are valid for 12 months after purchase. Business : Credits are valid for 12 months after purchase. Enterprise and Edu : Credit allocation and expiration are defined in your Order Form. If you're unsure of your terms, contact your account team. Enterprise and Edu : Credit allocation and expiration are defined in your Order Form. If you're unsure of your terms, contact your account team. Can I use credits for any ChatGPT feature? Credits only apply to advanced models and features. You do not need credits to use core ChatGPT models and features such as search, file upload, and canvas. Can I configure alerts or limits for credit usage? Business: Workspace owners can configure credit usage alerts in Workspace settings > Billing > Usage Alerts. Business: Workspace owners can configure credit usage alerts in Workspace settings > Billing > Usage Alerts. Enterprise and Edu: Workspace owners can configure usage alerts and overage limits in Workspace settings > Billing . Overage limits control additional usage beyond your workspace’s committed credits. Setting the overage limit to 0 blocks new requests that use credits once your committed credit pool is exhausted. This does not guarantee that your credit balance stays at or above zero in real time: requests already in progress may finish and settle afterward, leaving a small negative balance. Enterprise and Edu: Workspace owners can configure usage alerts and overage limits in Workspace settings > Billing . Overage limits control additional usage beyond your workspace’s committed credits. Setting the overage limit to 0 blocks new requests that use credits once your committed credit pool is exhausted. This does not guarantee that your credit balance stays at or above zero in real time: requests already in progress may finish and settle afterward, leaving a small negative balance. What happens if credits are used due to a compromised account? If an account in your workspace is compromised and credits are spent without authorization, contact OpenAI support. We will investigate the incident, restore lost credits if misuse is confirmed, and assist with password resets and security controls. We also recommend that you take immediate steps to secure the account by following the steps outlined here. Does ChatGPT charge credits when it auto-routes to a mini model? No. If ChatGPT automatically routes your message to a mini version of a model, 0 credits are used. ChatGPT chooses the smallest model that can reliably handle your request. For lightweight tasks (like short questions, quick summaries, or simple rewrites), it may use a mini model behind the scenes. When that happens, your experience stays the same - but no credits are deducted. Only messages that run on full-size models use credits. What terms govern the purchase of credits? Please see here . Was this article helpful?