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OutSmart Guide

Top-Up Credits

Top-up credits are a one-time purchase of extra AI credits. They’re for practitioners who already have an AI Plan and find themselves running low part-way through the month. Instead of upgrading the plan, you can buy a small extra bundle that gets you through.

This page covers when top-ups are available, how to buy them, and how they work alongside your monthly plan credits.

How top-ups work

A top-up is a single purchase that adds extra credits to your balance. There’s no recurring charge. You buy a bundle, it lands in your account, you use it when you need it.

The standard top-up bundle is shown on the AI Plans tab of the Subscriptions page and is also offered directly in the You’re out of AI credits panel that appears when your balance hits zero. The current bundle size and price are set on those pages.

Top-up credits never expire and never reset

This is the most useful property of top-up credits, and the one practitioners ask about most often:

  • They don’t expire on a date.
  • They are not cleared when your monthly AI Plan renews. Your plan credits reset to the plan’s allotment each month. Your top-up credits stay where they are.
  • They are not cleared when you change AI Plans. Switching from one plan to another doesn’t touch your top-up balance.
  • They are not cleared when you cancel your AI Plan. If you cancel, your monthly plan credits are cleared at the end of the period. The top-up credits you bought separately remain in your account and stay usable.

A top-up you bought six months ago is still usable today.

Who can buy top-ups

Top-ups are available to practitioners who have an active AI Plan. The reason for that is straightforward: the top-up is sized as a supplement to a monthly bucket, not as a way to use AI without a plan.

If you don’t have an AI Plan yet, the path to AI use is:

  • First time using AI? Your starter credits are granted automatically on your first AI click.
  • Starter used up and ready to commit? Subscribe to an AI Plan.
  • On a plan and running low? Buy a top-up here.

Buying a top-up: two ways

1. From the You’re out of AI credits panel. When you click an AI button and your balance is zero (and you’re on an AI Plan), a panel appears with a Buy option for the standard top-up bundle. Click it, fill in your card details if needed, and the top-up lands in your balance. The AI action you were trying to run kicks off automatically as soon as the top-up completes. You don’t have to click the button again.

This is the most common way people buy a top-up: at the moment they need it, without leaving the chart or referral they’re working in.

2. From the AI Plans tab on the Subscriptions page. Open the Subscriptions page and pick the top-up bundle from the AI Plans tab. Useful when you want to top up proactively, before you’ve run out.

Paying for a top-up without leaving the chart

If you don’t have a credit card saved on file, the You’re out of AI credits panel adapts. It shows a small card form inside the same panel where you’d otherwise see the Buy button. Fill in the card details (card number, expiry, CVC, name, postal code), click Pay, and the system charges the card and adds the credits, all without leaving the chart or referral page.

The card is also saved against your account for future top-ups and subscription charges, so the next time you need to top up you can do it in one click.

If your card requires extra security verification (an SMS code, a banking app prompt), that step appears inline as part of the same flow.

How the top-up balance interacts with your plan credits

When you click an AI button, OutSmart uses credits in this order:

  1. Your personal AI Plan credits (your monthly bucket)
  2. Your Office Pool share (if your office owner has one)
  3. Your top-up credits

That order is intentional. It uses up the credits that will reset before it touches the ones that won’t. You don’t have to manage it. The right bucket is picked automatically.

The credit counter on every AI button shows the total of all three. The breakdown isn’t shown row-by-row, but you can see how the totals shift on the AI Plans tab of the Subscriptions page.

Troubleshooting

My top-up didn’t appear in my balance

Wait a few seconds and refresh the page. The counter pulls from the server, and the update can lag the payment confirmation by a moment.

If a minute later it still hasn’t updated, check the Subscriptions page for the payment status. If the charge succeeded but the credits didn’t land, contact us at contact.outsmartemr.com.

My card was declined when I tried to pay

The card form shows the decline reason from the card issuer. The most common fixes:

  • Check the card number and expiry are correct.
  • The card may not be authorised for online purchases. Check with the issuer.
  • Use a different card.

The Pay button stays available so you can adjust and try again without closing the panel.

I want to use top-up credits without subscribing to a plan

Top-ups are sold as a supplement to a monthly AI Plan rather than as a standalone product. If you don’t want a recurring plan, the alternative is to take your existing AI usage one feature at a time within your starter credits, or to ask your office owner about an Office Pool you can draw from.

If your office doesn’t have a pool and you don’t want a personal plan, contact us at contact.outsmartemr.com. We can talk through what fits your usage.