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

# Overview

Credits auto-recharge keeps a customer’s prepaid credit balance from running low by automatically purchasing and granting more credits when the balance drops below a configured threshold. This supports a prepaid, pay-before-you-use model (similar to OpenAI’s prepaid usage) without requiring customers to manually top up.

Auto-recharge is configured per customer and includes a monthly spending limit and a dedicated payment method, so customers can maintain uninterrupted access while staying in control of spend.

For a step-by-step walkthrough on modeling credits, granting an initial balance, and enabling auto-recharge, see our [credits auto-recharge guide](../../../../guides/i-want-to/set-up-credits-auto-recharge).

## How auto-recharge works

Auto-recharge follows a simple rule:

* When the customer’s credit balance goes **below** a threshold, Stigg triggers an automatic purchase/grant of credits.
* The recharge brings the balance back **up to** a target amount.
* Recharges stop when the configured **monthly spend limit** is reached (or if auto-recharge is disabled).

Example:

* Threshold: 20 credits
* Target balance: 50 credits
* When the balance drops below 20, Stigg recharges enough credits to bring the balance back to 50.

## Key settings

| Setting                                  | Description                                                                                     |
| ---------------------------------------- | ----------------------------------------------------------------------------------------------- |
| **When credit balance goes below**       | The threshold that triggers an auto-recharge.                                                   |
| **Then bring credit balance back up to** | The target credit balance after the auto-recharge is applied.                                   |
| **Limit total monthly spend to**         | The maximum amount the customer can spend on auto-recharges during a single spend-limit period. |
| **Spend limit resets every**             | How often the auto-recharge spend-limit counter is reset.                                       |
| **Grant expiration**                     | How long credits added by auto-recharge remain valid before expiring.                           |
| **Payment method**                       | The payment method used for all auto-recharge transactions.                                     |

## Limits and behavior

If the monthly spend limit is reached (or set below the customer’s current auto-recharge spend for the period), auto-recharge is disabled and no additional credits will be recharged until the limit is increased or the spend limit resets.

## Events and webhooks

Use webhooks to monitor auto-recharge and notify customers when action is required:

| Event                                       | Description                                                                                                                    |
| ------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------ |
| `automatic_recharge.operation.attempted`    | Sent whenever Stigg attempts an auto-recharge, for both success and failure cases.                                             |
| `credits.automatic_recharge_limit_exceeded` | Sent when the customer crosses auto-recharge spend-limit thresholds (80%, 90%, or 100%).                                       |
| `automatic_recharge.configuration.changed`  | Sent when auto-recharge is enabled or disabled by a user or automatically by the system (for example, due to payment failure). |