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What it does

When your Cogito balance drops below a threshold you set, we charge your saved card for a fixed amount and credit the proceeds to your token balance. No interactive checkout, no 402s mid-deploy. Configure it under Dashboard → Billing → Auto-recharge. You set two values:
  • Threshold — when balance falls below this, we trigger a recharge.
  • Recharge amount — how much to add. Must be greater than the threshold.
Bounds: 5threshold<amount5 ≤ threshold < amount ≤ 10,000.

Saving a card

Auto-recharge needs a saved card. Open Dashboard → Billing → Saved card and click Save a card — you’ll go through Stripe Checkout, which collects your card details. We don’t charge anything; the card is stored on your Stripe Customer for future use. To replace the card, click Replace in the same section and enter the new one. To remove it entirely, click Remove — auto-recharge will silently stop firing until you save a card again. Saved cards are also used for one-click manual top-ups: when you click a top-up amount, Stripe Checkout pre-selects your saved card so you don’t re-enter details every time.

When it triggers

A recharge fires within seconds of any API request that drops your balance below the threshold. We hold a per-account cooldown of about a minute, so a burst of concurrent requests results in a single charge, not many. We never preemptively charge — recharges are always reactive to actual usage.

When it fails

If your card is declined (expired, frozen, insufficient funds, fraud hold), we:
  1. Send an email at the recipient on file describing the bank’s reason.
  2. Pause auto-recharge for an hour to avoid spamming retries.
  3. After three consecutive failures, disable auto-recharge and email you. To re-enable, replace the saved card under Saved card → Replace and turn auto-recharge back on.
Your saved card stays on file regardless — disabling auto-recharge does not detach it.

Receipts

We email a receipt for every successful auto-recharge to the address on your account. Manual top-ups also send a receipt. There’s no per-request charge email — those would be too noisy. Detailed transaction history is always available in Dashboard → Billing.

Disabling

Flip the Enable auto-recharge toggle off and click Save. We immediately stop firing new charges. Pending charges already in flight at Stripe will still complete.

FAQ

Will auto-recharge run if I’m offline / not in the app? Yes. The trigger fires on the API server side as soon as the balance crosses the threshold. Does the threshold include pending charges? No. We check the credited balance only — a recharge in flight at Stripe doesn’t bump the threshold check until the webhook lands. What if my account is suspended for non-payment? Auto-recharge halts. You’ll get the failure email. Resolve the card issue, then re-enable from the dashboard. Can I set a maximum monthly auto-recharge spend? Use the hard spend cap on the same billing page. It applies to all spend, including the credit you’ve added via auto-recharge.