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Credit-based billing

The SmartlyQ API uses a prepaid credit system called SmartlyQ Credits (SQC). Every API call that consumes AI resources deducts credits from your Developer wallet.

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Developer wallet

Your wallet is separate from your SmartlyQ subscription. Each request that uses AI resources deducts SQC; read-only calls are free. Top it up from the Developer Dashboard, and enable auto-recharge to keep it funded automatically. See Pricing for the credit packages and what each operation costs. To see exactly what you’re spending, check your wallet balance with the endpoint below.

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Checking your balance

curl https://api.smartlyq.com/v1/me/balance \
  -H "Authorization: Bearer sqk_live_xxxxxxxxxxxx"
Response: 
{
  "success": true,
  "data": {
    "balance": "100.0000",
    "purchased_balance": "50.0000",
    "monthly_balance": "50.0000",
    "monthly_reset_at": "2026-04-15T00:00:00Z",
    "currency": "USD"
  }
}

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Insufficient credits

If your balance is too low, the API returns 402 Payment Required: 
{
  "success": false,
  "error": {
    "code": "INSUFFICIENT_CREDITS",
    "message": "Not enough credits. Top up your wallet.",
    "balance_sqc": 0
  }
}