> ## Documentation Index
> Fetch the complete documentation index at: https://docs.nqivi.com/studio/llms.txt
> Use this file to discover all available pages before exploring further.

# Accounts, Credits & Billing

> Understand the nQivi Studio credit system, iPay model, and subscription plans.

nQivi Studio utilizes a flexible **Credit System** to charge for compute-heavy AI tasks and server services. Depending on your needs, you can choose between a subscription model or the pay-as-you-go **iPay** model.

***

## 💎 The Credit System

Credits (represented by the 💎 icon) are the internal currency of the platform. Whenever you execute a task that utilizes nQivi server-side resources, credits are deducted from your balance.

### Task Pricing List

The table below specifies the credit consumption rate for various tasks:

| Service / Action               | Credit Cost                 | Description                                                               |
| :----------------------------- | :-------------------------- | :------------------------------------------------------------------------ |
| **AI Image Generation**        | From **0.25 💎** per image  | Generating AI visuals (e.g. via Freepik, Fal.ai, or Bing)                 |
| **Text to Speech (TTS)**       | From **0.2 💎** per minute  | Synthesizing voiceovers (using nQivi Server voices or Gemini/MiniMax)     |
| **Video Production (No AI)**   | From **0.5 💎** per minute  | Splicing, overlaying, and rendering video assets without generating text  |
| **Video Production (With AI)** | From **1.0+ 💎** per minute | Generating AI scripts, storyboards, speech, and rendering the final video |

***

## 💳 Billing Options

nQivi Studio offers two ways to maintain a credit balance:

### 1. The iPay Plan (Pay-as-you-go)

The **iPay** plan is nQivi's pay-as-you-go tier. It is the default plan for free accounts.

* **How it works:** You link your own third-party API keys (e.g. OpenAI, Google Gemini, ElevenLabs) in the Client settings to handle AI generations. You only pay nQivi credits for base rendering/server services.
* **Credit Purchases:** You can purchase packages of credits as needed.
* **Minimum Transactions:**
  * **Domestic Payment (Vietnam QR/Bank Transfer):** Minimum **20,000 VND** per transaction.
  * **Global Payment (Stripe/PayPal/Polar):** Minimum **\$2.00 USD** per transaction.

### 2. Subscription Plans

For high-frequency creators, subscribing to a monthly plan provides pre-packaged credits and unlocks premium modules (like Uploading SRT files, Auto Cut, or Voice Changer).

| Plan            | Price (VND)       | Price (USD) | Credits Included | Features                                                                    |
| :-------------- | :---------------- | :---------- | :--------------- | :-------------------------------------------------------------------------- |
| **iPay (Free)** | 0 VND             | \$0.00      | 0                | Basic features, must link own API keys.                                     |
| **Plus**        | **250,000 VND**   | **\$10.00** | **250** / month  | Presets, Project Manager, Voice Changer, Video Reaction.                    |
| **Pro**         | **500,000 VND**   | **\$20.00** | **500** / month  | Everything in Plus + Texting styles, Podcast layouts, Auto Cut, SRT Upload. |
| **Ultra**       | **1,000,000 VND** | **\$40.00** | **1000** / month | Everything in Pro + AI Content Creator agent.                               |

> \[!TIP]
> Yearly subscriptions receive a **10% discount** compared to paying monthly. You can check the active promotions and make secure payments on the [nQivi Pricing Page](https://studio.nqivi.com/pricing).