Credyt vs FlexPrice

At a glance

Flexprice is an open-source billing platform for usage-based pricing. Credyt is real-time billing infrastructure that debits customer wallets immediately as usage occurs, designed for AI products with real-time usage and prepaid credit models.

Both handle usage-based billing, but they differ in architecture. Flexprice uses invoice-based workflows. Credyt uses wallet-native real-time debiting without invoices.

What Flexprice does

Flexprice is a usage-based billing platform that meters events in real time and generates invoices at the end of billing cycles. The platform offers deployment flexibility - teams can self-host on their own infrastructure or use Flexprice's cloud hosting. It includes a strong dashboard experience that lets non-technical users manage pricing without code changes. Flexprice is open-source, with core features available in the open-source version and premium features requiring paid plans.

Flexprice is built around subscriptions and invoices, with credits and entitlements as features on top. The platform integrates with payment processors like Stripe and Chargebee. It's designed for SaaS companies moving to usage-based pricing while maintaining traditional invoice workflows.

Where Credyt differs

Credyt is real-time billing infrastructure built around wallet-native architecture. You authorize usage through Credyt before costs are incurred, and wallet balances are debited immediately as usage occurs.

This differs from invoice-based billing, where usage accumulates throughout a billing period and charges are collected at cycle end. Credyt operates without invoices or end-of-cycle reconciliation. Funds are deducted in real time from prepaid balances.

Wallets are first-class primitives in Credyt's architecture. Customers can hold balances in USD, tokens, credits, GPU hours, and custom units under one customer wallet. The platform provides a drop-in branded billing portal where customers can top up balances, set automatic recharge thresholds, and track usage in real time. This architecture is designed for products where usage happens continuously and costs can spike unpredictably.

Technical comparison

When to choose Flexprice

• Invoice-based billing fits your customer needs and operational workflows
• Your team has engineering resources to manage infrastructure and integrations
• You want open-source flexibility with self-hosting options (basic features only)
• You value community support and transparent roadmap visibility
• Non-technical users need to adjust pricing without code changes

When to choose Credyt

• You need real-time wallet debiting, not just metering
• You're building an AI product that charges for tokens, API calls, or compute time
• You want native custom asset support
• Customers need self-service portals for top-ups and balance management
• You want to eliminate invoice complexity entirely
• You need fast implementation over deep customization
• You prefer managed infrastructure over self-hosting

How do the architectures differ?

Real-time debiting vs invoice cycles

Flexprice: Meters usage events in real time and provides visibility into accumulating charges. Actual billing happens at cycle end when invoices are generated and sent to payment processors. This is real-time metering with periodic invoicing.

Credyt: Debits wallet balances immediately as usage occurs. There's no invoice generation or end-of-cycle billing. Funds are deducted in real time from prepaid balances. With Credyt's approach, you maintain control at the point of consumption.

Wallet architecture

Flexprice: Credit wallets operate within an invoice-based system. Credits have a fixed USD conversion ratio (1 credit = X dollars), and they're applied to invoices or prepaid balances. It remains invoice-based - either topping up balance with payment required later, or generating an invoice that must be paid before balance updates.

Credyt: Wallets are the core billing mechanism, not a supplement to invoices. Customers can hold balances in USD, tokens, credits, GPU hours, and custom units under one customer wallet.

For AI products that sell tokens or credits upfront, this architectural difference changes how the system works. In Flexprice, wallets exist alongside invoices. In Credyt, wallets are first-class primitives.

Custom asset support

Flexprice: Uses credit wallets with mandatory USD conversion. You can set display labels like "tokens" or "minutes" on invoices, but everything converts to credits with a fixed dollar ratio behind the scenes. This provides approximate custom asset behavior through representation.

Credyt: Native support for any custom asset. Buy rates are flexibly defined on an asset level and applied on top-up. You can define pricing in tokens, GPU hours, video credits, or any unit that matches your product. Customers maintain separate balances in multiple asset types under one customer wallet with independent pricing rules.

Customer experience

Flexprice: No-code dashboard for product teams to manage pricing. Customer-facing portal without built-in payment flows. Low-balance alerts require manual setup from the platform dashboard.

Credyt: Drop-in branded billing portal provides complete self-service. Customers view real-time balances, add funds, set up auto-recharge, track usage history, and manage payment methods without platform intervention. API-first for platform integration, but customers get the UI.

If your team wants to manage pricing through a dashboard without code, Flexprice's approach works well. If you want customers to manage their own wallets, Credyt's portal is built in.

Bottom line

Flexprice is built around the metering-and-invoicing model. It works well for teams who want open-source control, visual dashboards for pricing management, and have the operational readiness to handle invoice-based workflows. If you're coming from traditional SaaS billing and need flexibility through self-hosting, Flexprice's approach makes sense.

Credyt is built around wallets as first-class primitives and real-time debiting. It's designed specifically for products where usage happens continuously and immediate control matters. If you're building AI products that charge for tokens or compute time and want customers to manage their own prepaid balances, Credyt's architecture fits naturally.

The choice comes down to this: Do you need the flexibility and community of open source with invoice-based workflows, or do you want wallet-native real-time billing? Your answer determines which platform aligns with your architecture.

FAQ

Can my customers manage their own balance and payment methods? With Credyt, yes. Customers get a drop-in branded billing portal where they can view balances, add funds, set up auto-recharge with threshold triggers, and manage payment methods. Flexprice's customer portal lets customers view balances, but lacks built-in top-up capabilities.

I already use Stripe for payments. Can I still use either platform? Yes, both work with Stripe. Flexprice requires wiring your existing Stripe account - you'll share API keys, set up webhooks, and configure the integration. Credyt has built-in payment processing through Stripe that works out of the box. If you have an existing Stripe account, it's linked as a separate processing entity.

How quickly can I get billing into production? Credyt is designed for fast implementation - it takes days. You get wallet infrastructure, a drop-in branded billing portal, and built-in payment processing out of the box. Flexprice offers more flexibility but requires more setup: payment processor integration, webhook configuration, and building some customer-facing UI. If you have engineering resources and want full control, Flexprice's approach works. If you want to ship fast, Credyt's approach works.

Will I need to rebuild my billing system when I scale? That depends on your architecture choice. Flexprice's invoice-based model works well if you're building traditional SaaS with monthly billing cycles. Credyt's wallet-native model is built for continuous usage and real-time control. Both can scale, but the question is whether your billing, pricing, and cost structure matches invoice cycles or continuous consumption. AI products with token-based pricing typically map better to wallet architectures.

Can I charge in tokens without converting everything to dollars? Credyt supports native custom assets - you can price directly in tokens, GPU hours, or any unit. Customers see and manage balances in those units under one customer wallet. Flexprice uses credit wallets with USD conversion ratios. You can display "tokens" to customers, but behind the scenes everything converts to credits with a fixed dollar ratio.

What if I need open-source for compliance or customization? Flexprice is open-source, with core features available in the open-source version and premium features requiring paid plans. You can self-host, audit code, and customize. This matters for teams with specific compliance requirements or those who want to avoid vendor lock-in. Credyt is proprietary and cloud-hosted. If open source is a requirement, Flexprice is your option. If managed infrastructure matters more, Credyt is your option.