Over the past few years, pricing and billing in SaaS and fintech have undergone a subtle but powerful transformation.
The industry is moving away from static plans toward fluid, consumption-aware value exchange and credits are becoming the mechanism that makes that shift possible.
As we continue building the most flexible no-code monetization platform, each new feature brings us closer to a single goal: making revenue operations smarter, faster, and more adaptive to the way modern companies sell.
Today, on Launch Week Day 4, we’re introducing a major upgrade to how Alguna handles credits.
Why credits matter
Across the board, we’re seeing a convergence of subscription + consumption models.
A customer may pre-pay for $10 K in credits to use across multiple services, with an overage model if they exceed it.
This structure allows pricing teams to experiment freely with things like usage pools and promotional top-ups, without re-engineering billing logic each time.
The pattern is everywhere:
✅ Cloud platforms sell prepaid credits usable across services.
✅ AI companies sell tokens that behave like credits.
✅ SaaS providers blend subscriptions and usage under a shared balance.
Credits have become the connective tissue between predictable revenue and flexible consumption.
They give finance teams clear revenue recognition schedules and customers more control over where and how they spend their commitment, whether that’s compute time, tokens, or API calls.
At Alguna, we’ve now made that power native.
Introducing: Credits and credit allocation
Our new Credits Allocation feature lets you configure, automate, and reconcile credits directly within subscriptions. No spreadsheets, no workarounds.
With Credits Allocation, you can now:
💰 Allocate recurring or one-time credits, monetary or unit-based.
⚙️ Scope credits to specific products or metrics, deciding exactly where they can be used.
♻️ Set rollovers, expirations, or resets for each credit balance.
🧾 Automate credit drawdowns and apply them directly inside the subscription lifecycle.
Why Alguna built credits this way
When we designed Alguna’s Credits system, we wanted it to serve as more than just a refund ledger.
It’s a programmable construct for modern pricing that’s equally suited to:
- Prepaid consumption (commitment draw-downs)
- Overage buffers and usage safety nets
- Promotional or SLA credits
- Cross-product wallets for multi-line customers
Every allocation is event-driven, visible in audit logs, and recognized through the same revenue engine that powers invoices and accruals.
By building it natively into subscriptions rather than as an external adjustment layer, credits become part of the same lifecycle as commitments, usage, and renewals.
How it works
From the customer record, you can now create both recurring and one-off credit allocations based on interval, plan type, or any rule set you define.
Decide whether credits roll over or expire, and specify which products are included or excluded in each balance.
Once you save the configuration, Alguna automatically applies the rules to future invoices and usage events. This ensures that every credit, every rollover, and every recognition event flows seamlessly through your revenue system.
In other words:
- No more manual journal entries for credit usage
- Instant linkage between finance and product metrics
- Fully automated handling of deferred revenue and adjustments
Use cases
Whether you’re:
- Offering prepaid usage balances or consumption commitments
- Managing cross-product wallets
- Issuing SLA adjustments or goodwill credits
Alguna’s Credits and Credit Allocation feature gives you the control and automation you need to do it natively.
The takeaway
Credits are no longer a niche billing concept, they’re the new foundation for hybrid monetization.
They let SaaS, AI, and fintech companies blend predictability for finance with flexibility for customers.
With Alguna, that balance is now automated, transparent, and completely configurable—all without code.
Book a demo and see credits in action today or shoot me an email at [email protected] if you have any questions.
