Credits are what Ocoya’s AI features run on. Every time you ask Ocoya to write a caption, generate an image, or run an AI step in a workflow, it uses credits from your brand’s balance. Your plan decides how many you get, and the balance refills at the start of each billing period.
Nothing else in Ocoya uses credits. Scheduling posts, publishing, connecting channels and replying in the Inbox are all free and unlimited on any paid plan.
Where to find your balance
Your remaining credits are shown at the bottom of the left sidebar, on every page.
The credit balance sits at the bottom of the sidebar, with a bar showing how much of your allowance is left.
What uses credits
Writing costs 1 credit and an AI image costs 2 credits. Ocoya shows the cost on the button before you run it, so you always know what an action will spend.
| Action | Credits |
|---|---|
| Generate a caption, or a Copilot reply | 1 |
| Generate an image | 2 per image |
| Rewrite, shorten, expand or translate text in the editor | 1 per action |
| Generate hashtags | 1 |
| Suggest a reply in the Inbox | 1 |
| Send a message to an AI Agent | 1 per message |
| An AI step in a workflow | 1 for text, 2 for an image |
Running a workflow is free; only its AI steps use credits. For every action, with worked examples for posts, stories and campaigns, see What each action costs.
Costs add up within a single action
An AI post is one caption plus however many images you asked for. With image generation switched off, generating a post costs 1 credit:
With image generation off, the cost badge in the composer toolbar shows 1 credit.
Turn image generation on and ask for one image, and the same post costs 3 credits: 1 for the caption and 2 for the image.
Campaigns are priced by what they make. In a campaign with images you pay only for the images, and the captions are free, so 10 posts with one image each cost 20 credits. Without images, each post costs 1 credit. A blog article costs 2.
The cost badge always shows the total for the action you are about to run. If the number looks higher than you expected, check how many images or posts are selected.
How many credits you get
Your allowance depends on your plan. You can see it on any plan card under Settings → Billing.
Where Billing lives: the account menu, behind the avatar at the top of the sidebar. The badge shows your current plan.
Each plan card lists its credit allowance alongside user and channel limits.
Current plans
| Plan | Credits | Users | Channels |
|---|---|---|---|
| Starter | 300 | 1 | 5 |
| Team | 1,500 | 5 | 20 |
| Agency | 5,000 | 20 | 100 |
Legacy plans
If you joined Ocoya before the current plans, you may be on one of these. They keep working, and your billing page shows a Legacy badge next to the plan name.
| Plan | Credits |
|---|---|
| Bronze | 100 |
| Silver | 500 |
| Gold | 1,500 |
| Diamond | Unlimited |
Accounts without a paid subscription have no credits and cannot use AI features. Start a plan to get an allowance.
When credits reset
Credits refill every month, on every plan. Unused credits do not carry over — each month starts at your full allowance regardless of how many you used or didn’t use.
Your reset day is the day of the month you subscribed. If you started your plan on the 12th, your credits refill on the 12th of each month.
This is true whether you pay monthly or yearly. Paying annually doesn’t give you a year’s credits in one lump — you get your plan’s allowance every month, the same as a monthly subscriber.
If your subscription started on the 29th, 30th or 31st, months without that date reset on the last day instead. A subscription starting on the 31st resets on 28 February, then returns to the 31st in March.
Credits are shared across your brands
This surprises people, so it’s worth being clear: credits belong to you as the account owner, not to each brand separately.
If you own more than one brand, they all draw from the same balance. Generating 50 posts in one brand leaves 50 fewer credits for every other brand you own. The number in the sidebar is your total remaining across all of them.
Brands owned by someone else — for example a client’s brand you were invited into — use that owner’s credits, not yours.
When you run out
Once your balance reaches zero, AI actions stop and Ocoya shows:
You’ve exceeded the credit limit. Upgrade to get more.
Everything that doesn’t use AI keeps working normally. Your scheduled posts still publish, your workflows still run their non-AI steps, and you can still create and schedule posts by hand.
You have two ways forward:
- Wait for the reset. Your allowance refills on your monthly reset day.
- Upgrade your plan. A higher plan gives a larger allowance, available immediately. Go to Settings → Billing and choose a plan.
Making credits go further
- Switch image generation off when you only need a caption. A post without an image costs a third of one with an image.
- Generate a campaign once and edit the posts by hand, rather than regenerating the whole campaign.
- Check the number of images selected before generating. Each one costs 2 credits, whether or not you end up using it.
- Check workflows with AI steps you aren’t relying on. Each run of a Generate social post or Write a reply or text step uses credits, even when the post isn’t published.
Related
What each action costs
Every AI action and its credit cost, with worked examples for posts, stories and campaigns.
Contact support
Balance looks wrong, or credits disappeared faster than expected? Message the Ocoya team from inside the app.