> ## Documentation Index
> Fetch the complete documentation index at: https://docs.t3planet.de/en/latest/llms.txt
> Use this file to discover all available pages before exploring further.

# T3Planet Credits

> T3Planet Credits for EXT:ns_t3af (T3AF).

## Purpose

T3Planet Credits is optional billing for T3AF — **one credit pool** per TYPO3 install, simple activation. Use it when you do not want separate vendor API accounts.

**Path:** T3AF → AI Providers → T3Planet Credits

## How it works

1. Admin turns the credits toggle **ON**
2. Admin clicks **Activate** (toggle alone is not enough)
3. System reads T3Planet license keys
4. Bearer token is stored (encrypted)
5. All AI calls route through the T3Planet API

**Important:** You **must** click **Activate** after enabling the toggle.

## Credits vs Your Own API Keys

**Your Own API Keys (BYOK)** — Add provider keys in [AI Providers](/en/latest/en/latest/ExtNsT3AF/AIProviders/Index). Billing goes directly to OpenAI, Anthropic, or other vendors. Best for agencies that already have vendor accounts.

**T3Planet Credits** — Toggle plus **Activate**. Billing uses T3Planet packages. Best for fast start and simple budget control.

When credits are **off**, local provider keys are used normally.

## Credit calculation

```
Credits = max(1, ceil(total_tokens / tokens_per_credit))
```

Default: **1 credit ≈ 1,000 tokens**

## Credits are active when all three are true

1. Credit mode is ON
2. Valid license keys exist in the system
3. Bearer token exists (after **Activate**)

## Dashboard and balance

After activation you see:

* Current balance
* Plan name
* Buy Credits and Pricing links

Check balance regularly on the [Dashboard](/en/latest/en/latest/ExtNsT3AF/Dashboard/Index).

## When to use credits

* New project without vendor accounts yet
* Fixed monthly AI budget for editors
* Simplified billing through T3Planet instead of multiple vendor invoices

## When to use own keys

* Enterprise with existing OpenAI or Azure contracts
* Strict data residency with your own EU endpoint
* Very high volume where direct vendor pricing is lower

## Troubleshooting

**AI fails after toggle** — Click **Activate** again. Verify license at [https://docs.t3planet.de/en/latest/License/Index.html](/en/latest/en/latest/License/Index)

**Zero balance** — Purchase credits through T3Planet.

**Wrong domain** — Site URL must match the license domain.

**Empty token after activate** — Re-save license keys and activate again.

See also [FAQ](/en/latest/en/latest/ExtNsT3AF/FAQ/Index) and [Known Problems](/en/latest/en/latest/ExtNsT3AF/KnownProblems/Index).