# Billing

> How the hosted service bills a share of measured savings, monthly invoices, payment methods, account credit and pass-through mode.

Product: AI Cost Optimizer Gateway (ACOG). Web version: https://tessarac.com/docs/acog/administer/billing. Last updated: 2026-10-16.

This page describes billing on the hosted service. A self-hosted installation is licensed instead; see [Licensing](https://tessarac.com/docs/acog/self-hosted/licensing.md).

## What you pay for

You pay a share of what ACOG measurably saves you, and nothing else: no seats, no per-token markup, no minimum. A request that saves nothing costs nothing extra. The rate is on the [pricing page](/pricing). How savings are measured is described in [How savings are measured](https://tessarac.com/docs/acog/optimize/savings-measurement.md).

Your provider bills you directly for the tokens you use, as before. ACOG never resells provider capacity.

## Activating savings

A new organization starts in **pass-through** mode: requests work and are forwarded unchanged at full price, nothing is saved and nothing is billed. Add a payment method under **Admin → Billing** and savings switch on.

## Invoices

- An invoice is issued for each completed calendar month, for that month's measured savings.
- Payment is due 30 days after the invoice is issued.
- Your default payment method is charged; if it cannot be charged, backup methods are tried in the order shown.
- **Account credit** is applied to invoices before anything is charged. A partly used credit carries its remainder to the next invoice.

If an invoice is more than 30 days overdue, your organization moves to pass-through until the balance is paid. Adding a new card does not by itself clear an overdue balance.

## The Billing page

**Admin → Billing** shows, for users with the **View invoices and billing status** permission:

| | |
|---|---|
| Status | **Cost savings active** or **Pass-through** |
| Saved this month | Updated live |
| Accrued fee | This month's share so far, billed at month end |
| Amount due | The open invoice, its due date and whether it is overdue |
| Account credit, past due | Where applicable |
| Payment methods | Card or US bank account (ACH). Card and bank details go directly to the payment processor; ACOG never sees or stores them. Bank account verification by micro-deposits takes one to two business days. |
| Invoices | Each month's savings, fee, total, due date and status, with **Pay** for an open invoice |

Your organization's name, billing contact and address printed on invoices are on **Admin → Organization**.

## Events

`billing.invoice_created`, `billing.invoice_paid`, `billing.payment_failed` and `billing.state_changed` can be delivered to your systems as [webhooks](https://tessarac.com/docs/acog/administer/webhooks.md).