How Am I Charged When I Upgrade My Credit Tier Mid-Cycle?

Last updated: April 16, 2026

When you upgrade your credit tier (e.g., from 20K to 55K credits), you are not double-charged. Stripe charges a pro-rated amount for the price difference based on how many days are left in your current billing cycle, and your credit balance is adjusted by the difference — not reset or stacked.

How It Works

Here's what happens when you upgrade mid-cycle:

  1. Your monthly rate changes immediately. You move to the new tier's price. For example, upgrading from 20K credits ($37/mo) to 55K credits ($97/mo) means your plan is now $97/mo — it replaces the old plan, not stacks on top of it.

  2. You pay a pro-rated charge for the current cycle. Stripe calculates the price difference ($97 − $37 = $60) and charges you only for the remaining days in your billing cycle. So if you're halfway through, you'd pay roughly $30 as a one-time adjustment — not the full $60.

  3. Your credits are adjusted by the difference. The difference between the new tier and old tier (e.g., 55,000 − 20,000 = 35,000) is added to your current remaining balance, up to the new tier's total. Your existing credits are not wiped — you keep what you had, plus the upgrade difference.

  4. Next billing cycle onward, you pay the new rate. Starting from your next renewal date, you'll simply be charged the new tier price (e.g., $97/mo for 55K credits), and your balance resets to the full new tier amount.

Example

Say you're on the 20K plan at $37/mo, and you've used 5,000 credits with 15 days left in your cycle:

  • Immediate charge: ~$30 (pro-rated difference of $60 for 15 out of 30 days)

  • Credit balance after upgrade: 15,000 remaining + 35,000 difference = 50,000 credits

  • Next month: You're charged $97 and your balance resets to 55,000

How to Upgrade

  1. Go to Settings → Organization → Subscription and click Manage Subscription, or go to the Pricing page.

  2. Use the credit slider to select the tier you want (e.g., 55K credits).

  3. The exact pro-rated charge for this cycle will be shown before you confirm.

  4. Click Upgrade to apply the change immediately.

You can also view your current plan and credit usage in Settings → Usage & Limits.

Good to Know

  • Downgrades work differently. If you downgrade your tier, the change takes effect at the end of your current billing cycle — you are not charged or refunded mid-cycle for downgrades.

  • Credits don't roll over. Unused credits expire at the end of each billing cycle (except on Enterprise plans).

  • Annual plans get a 20% discount. If you're on an annual plan, the same pro-rata logic applies, calculated over your annual billing period.

Still Need Help?

If this didn't resolve your question, reach out to support at support@gumloop.com.

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