> ## Documentation Index
> Fetch the complete documentation index at: https://docs.cogito.decart.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Auto-recharge

> Keep your balance topped up automatically so requests never 402 mid-deploy.

## 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: $5 ≤ 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](/getting-started/pricing#hard-spend-caps) on the same billing page. It applies to all spend, including the credit you've added via auto-recharge.