> For the complete documentation index, see [llms.txt](https://docs.meganova.ai/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.meganova.ai/faq/credits-and-billing.md).

# Credits and Billing

### How can I monitor my usage or remaining credits?

Log in to the MegaNova Console → Dashboard → "Usage & Billing" to track your tokens and daily limits.

### What payment methods are accepted?

MegaNova accepts all types of payment cards. Note that your card may be validated for authenticity. Make sure it has met these requirements:

* Has valid card credentials (CVV, address, card number, etc.)
* Doesn't exist on another account
* Has enough funds available

> **Terms Compliance:** Payment processing is subject to our [Terms of Service](/legal-docs/terms-of-service.md). All payment information is processed securely through third-party providers as outlined in our [Privacy Policy](/legal-docs/privacy-policy.md).

### Can I remove my payment card after adding it?

No, you can't remove it directly; the page will set it as the default card. To remove, add a new card first, then delete the old one. Alternatively, try depositing funds (e.g., $10 for Tier 3) without adding a payment card to the website—no charges apply until you use paid features.

### How do volume discounts work?

MegaNova does not currently offer volume discounts, but you can reach out to us over email if you think you have an exceptional use case.

### Do credits expire?

We will reserve your credits until it is all used.

> **Terms Reference:** Credit retention policies are detailed in our [Terms of Service](/legal-docs/terms-of-service.md). Credits are non-transferable and non-refundable as stated in our legal terms.

### My credits haven't showed up in my account

If you paid via Stripe, integration delays may cause credits to appear slowly—allow up to 1 hour. After that, verify if you've been charged or received a Stripe receipt email.

* **No charge/receipt?** Your card was likely declined—retry with a different card or method
* **Charged but no credits?** Email `contact@meganova.ai` with purchase details

### Can I withdraw my unused balance?

No, MegaNova AI does not offer the option to withdraw your unused balance after depositing funds into your account. When you add credits (e.g., $10 for Tier 3), these are non-refundable and can only be used for MegaNova services.

We recommend depositing only the amount you plan to use based on your expected API usage. If you have questions about billing or need help planning your usage, email us `contact@meganova.ai` anytime.

> **Important:** This policy is outlined in our [Terms of Service](/legal-docs/terms-of-service.md). Credits are non-transferable and non-refundable as stated in our legal terms.

### What is your refund policy?

Refunds for unused Credits may be requested within **twenty-four (24) hours** from the time the transaction was processed. If no refund request is received within this window, any unused Credits become non-refundable.

**Key points:**

* Use the helpdesk button on the home page to request a refund
* The unused credit amount will be refunded to your original payment method
* Platform fees are non-refundable
* Cryptocurrency payments are never refundable

For complete details, see our [Refund Policy](/legal-docs/refund-policy.md).