It would be prudent to have a reasonable limit on how much any customer can pay in advance. For example if their Credit is currently $20, you could consider that “topped off” and not even accept more payments. Each company would have a different “topped off” level, and I chose $20 as a random value.
I would not recommend it on a global userbase forum.
While you make an important point in my opinion the title of the topic is still in the sense of “how are you doing this?” and the impression that something is supposed to be general advice can likely be attributed to the involvement that some members display talking about how they run their projects.
So every reader should take the comments with a few pinches of salt instead of taking it as direct advice.
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Without being argumentative and let me just say that I respect your decisions, and don’t intend to be aggressive (needs to be said apparently, can’t have any sort of discourse ) (I genuinely do tho, even if I disagree strongly) . Can you please help me understand why you chose this route?
To me, this just adds a load of extra variables & liabilities, and wonder what benefits you found that make it worthwhile doing it this way? Do you spend a lot of time balancing these numbers and have you hit any bumps along the way with this pricing scheme?
I imagine you must have some sort of cut-off time limit. Otherwise, what, if a customer deposits $20 and never returns you just wait?
Admittedly I’m ignorant in this because I have never even considered such a route.
The closest I ever did was tokens/character counts (which is what I was being charged for) which … through (very) limited testing and advice I quickly ditched because of how stressful it was watching the tokens vanish.
I’d say any API account credits would be set to zero once the user terminates service explicitly or by non-payment, and make all payments non-refundable.
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You do like OpenAI, and never refund and make it expire after 12 months…
Also you’re going to be cash-poor if you pay ahead for prepay OpenAI services as they’d now obviously prefer, and then wait to see if you own customer pays their bills for what you’ve already paid for and they’ve used.