`usage_credits`

Demo app for the 💳✨ usage_credits gem

The basics: get and spend credits

Subscribe to a plan:

Subscribe to PRO (10 credits/mo)

Buy credit packs:

Get arbitrary bonuses:

Spend credits:

Ledger status

Date	Amount	Category	Expiration
`Feb 25, 11:34 AM`	+10 credits	signup_bonus signup	–
`Feb 25, 9:08 PM`	+5100 credits	credit_pack_purchase	–
`Feb 25, 11:39 PM`	+10 credits	credit_pack_purchase	–
`Feb 26, 4:31 AM`	+5100 credits	credit_pack_purchase	–
`Feb 26, 4:31 AM`	+10 credits	credit_pack_purchase	–
`Feb 26, 4:31 AM`	+10 credits	bonus expiring_bonus_credits	🗑️ expired
`Feb 26, 4:31 AM`	+10 credits	signup_bonus signup	–

Payment records (`pay` gem)

The user has paid $399.98 total

Pay::Charge (4)

# {
                        :id => 2184,
               :customer_id => 3231,
           :subscription_id => nil,
              :processor_id => "1pTmK4kTWweyVy3I3eLOK",
                    :amount => 19900,
                  :currency => nil,
    :application_fee_amount => nil,
           :amount_refunded => nil,
                  :metadata => {
         "purchase_type" => "credit_pack",
             "pack_name" => "pro",
               "credits" => 5000,
         "bonus_credits" => 100,
           "price_cents" => 19900,
        "price_currency" => "USD"
    },
                      :data => {
        "payment_method_type" => "card",
                      "brand" => "Fake",
                      "last4" => 1234,
                  "exp_month" => 2,
                   "exp_year" => 2026
    },
            :stripe_account => nil,
                :created_at => 2026-02-25 21:08:55.089508000 UTC +00:00,
                :updated_at => 2026-02-25 21:08:55.089508000 UTC +00:00,
                      :type => "Pay::FakeProcessor::Charge"
}

# {
                        :id => 2186,
               :customer_id => 3231,
           :subscription_id => nil,
              :processor_id => "4GJ8AEChhliUmEx0lfCPk",
                    :amount => 19900,
                  :currency => nil,
    :application_fee_amount => nil,
           :amount_refunded => nil,
                  :metadata => {
         "purchase_type" => "credit_pack",
             "pack_name" => "pro",
               "credits" => 5000,
         "bonus_credits" => 100,
           "price_cents" => 19900,
        "price_currency" => "USD"
    },
                      :data => {
        "payment_method_type" => "card",
                      "brand" => "Fake",
                      "last4" => 1234,
                  "exp_month" => 2,
                   "exp_year" => 2026
    },
            :stripe_account => nil,
                :created_at => 2026-02-26 04:31:31.191702000 UTC +00:00,
                :updated_at => 2026-02-26 04:31:31.191702000 UTC +00:00,
                      :type => "Pay::FakeProcessor::Charge"
}

# {
                        :id => 2187,
               :customer_id => 3231,
           :subscription_id => nil,
              :processor_id => "u3EgZtmEQGje45eagqmIz",
                    :amount => 99,
                  :currency => nil,
    :application_fee_amount => nil,
           :amount_refunded => nil,
                  :metadata => {
         "purchase_type" => "credit_pack",
             "pack_name" => "tiny",
               "credits" => 10,
         "bonus_credits" => 0,
           "price_cents" => 99,
        "price_currency" => "USD"
    },
                      :data => {
        "payment_method_type" => "card",
                      "brand" => "Fake",
                      "last4" => 1234,
                  "exp_month" => 2,
                   "exp_year" => 2026
    },
            :stripe_account => nil,
                :created_at => 2026-02-26 04:31:33.849866000 UTC +00:00,
                :updated_at => 2026-02-26 04:31:33.849866000 UTC +00:00,
                      :type => "Pay::FakeProcessor::Charge"
}

# {
                        :id => 2185,
               :customer_id => 3231,
           :subscription_id => nil,
              :processor_id => "vyDZvmrgV0D_dUEgCP_Ym",
                    :amount => 99,
                  :currency => nil,
    :application_fee_amount => nil,
           :amount_refunded => nil,
                  :metadata => {
         "purchase_type" => "credit_pack",
             "pack_name" => "tiny",
               "credits" => 10,
         "bonus_credits" => 0,
           "price_cents" => 99,
        "price_currency" => "USD"
    },
                      :data => {
        "payment_method_type" => "card",
                      "brand" => "Fake",
                      "last4" => 1234,
                  "exp_month" => 2,
                   "exp_year" => 2026
    },
            :stripe_account => nil,
                :created_at => 2026-02-25 23:39:54.907744000 UTC +00:00,
                :updated_at => 2026-02-25 23:39:54.907744000 UTC +00:00,
                      :type => "Pay::FakeProcessor::Charge"
}

Pay::Subscription (0)

none

Model records

UsageCredits::Fulfillment (4)

# {
                          :id => 3363,
                   :wallet_id => 3236,
                 :source_type => "Pay::Charge",
                   :source_id => 2184,
    :credits_last_fulfillment => 5100,
            :fulfillment_type => "credit_pack",
           :last_fulfilled_at => 2026-02-25 21:08:55.115157000 UTC +00:00,
         :next_fulfillment_at => nil,
          :fulfillment_period => nil,
                    :stops_at => nil,
                    :metadata => {
        "purchase_charge_id" => 2184,
              "purchased_at" => "2026-02-25T21:08:55.089Z",
             "purchase_type" => "credit_pack",
                 "pack_name" => "pro",
                   "credits" => 5000,
             "bonus_credits" => 100,
               "price_cents" => 19900,
            "price_currency" => "USD"
    },
                  :created_at => 2026-02-25 21:08:55.125522000 UTC +00:00,
                  :updated_at => 2026-02-25 21:08:55.125522000 UTC +00:00
}

# {
                          :id => 3364,
                   :wallet_id => 3236,
                 :source_type => "Pay::Charge",
                   :source_id => 2185,
    :credits_last_fulfillment => 10,
            :fulfillment_type => "credit_pack",
           :last_fulfilled_at => 2026-02-25 23:39:54.917193000 UTC +00:00,
         :next_fulfillment_at => nil,
          :fulfillment_period => nil,
                    :stops_at => nil,
                    :metadata => {
        "purchase_charge_id" => 2185,
              "purchased_at" => "2026-02-25T23:39:54.907Z",
             "purchase_type" => "credit_pack",
                 "pack_name" => "tiny",
                   "credits" => 10,
             "bonus_credits" => 0,
               "price_cents" => 99,
            "price_currency" => "USD"
    },
                  :created_at => 2026-02-25 23:39:54.917735000 UTC +00:00,
                  :updated_at => 2026-02-25 23:39:54.917735000 UTC +00:00
}

# {
                          :id => 3365,
                   :wallet_id => 3236,
                 :source_type => "Pay::Charge",
                   :source_id => 2186,
    :credits_last_fulfillment => 5100,
            :fulfillment_type => "credit_pack",
           :last_fulfilled_at => 2026-02-26 04:31:31.310048000 UTC +00:00,
         :next_fulfillment_at => nil,
          :fulfillment_period => nil,
                    :stops_at => nil,
                    :metadata => {
        "purchase_charge_id" => 2186,
              "purchased_at" => "2026-02-26T04:31:31.191Z",
             "purchase_type" => "credit_pack",
                 "pack_name" => "pro",
                   "credits" => 5000,
             "bonus_credits" => 100,
               "price_cents" => 19900,
            "price_currency" => "USD"
    },
                  :created_at => 2026-02-26 04:31:31.325501000 UTC +00:00,
                  :updated_at => 2026-02-26 04:31:31.325501000 UTC +00:00
}

# {
                          :id => 3366,
                   :wallet_id => 3236,
                 :source_type => "Pay::Charge",
                   :source_id => 2187,
    :credits_last_fulfillment => 10,
            :fulfillment_type => "credit_pack",
           :last_fulfilled_at => 2026-02-26 04:31:33.886801000 UTC +00:00,
         :next_fulfillment_at => nil,
          :fulfillment_period => nil,
                    :stops_at => nil,
                    :metadata => {
        "purchase_charge_id" => 2187,
              "purchased_at" => "2026-02-26T04:31:33.849Z",
             "purchase_type" => "credit_pack",
                 "pack_name" => "tiny",
                   "credits" => 10,
             "bonus_credits" => 0,
               "price_cents" => 99,
            "price_currency" => "USD"
    },
                  :created_at => 2026-02-26 04:31:33.887743000 UTC +00:00,
                  :updated_at => 2026-02-26 04:31:33.887743000 UTC +00:00
}

UsageCredits::Transaction (7)

# {
                :id => 5515,
         :wallet_id => 3236,
            :amount => 10,
          :category => "signup_bonus",
        :expires_at => nil,
    :fulfillment_id => nil,
          :metadata => {
        "reason" => "signup"
    },
        :created_at => 2026-02-25 11:34:49.133194000 UTC +00:00,
        :updated_at => 2026-02-25 11:34:49.133194000 UTC +00:00
}

# {
                :id => 5516,
         :wallet_id => 3236,
            :amount => 5100,
          :category => "credit_pack_purchase",
        :expires_at => nil,
    :fulfillment_id => nil,
          :metadata => {
        "purchase_charge_id" => 2184,
              "purchased_at" => "2026-02-25T21:08:55.089Z",
         "credits_fulfilled" => true,
              "fulfilled_at" => "2026-02-25T21:08:55.105Z",
             "purchase_type" => "credit_pack",
                 "pack_name" => "pro",
                   "credits" => 5000,
             "bonus_credits" => 100,
               "price_cents" => 19900,
            "price_currency" => "USD"
    },
        :created_at => 2026-02-25 21:08:55.110242000 UTC +00:00,
        :updated_at => 2026-02-25 21:08:55.110242000 UTC +00:00
}

# {
                :id => 5517,
         :wallet_id => 3236,
            :amount => 10,
          :category => "credit_pack_purchase",
        :expires_at => nil,
    :fulfillment_id => nil,
          :metadata => {
        "purchase_charge_id" => 2185,
              "purchased_at" => "2026-02-25T23:39:54.907Z",
         "credits_fulfilled" => true,
              "fulfilled_at" => "2026-02-25T23:39:54.913Z",
             "purchase_type" => "credit_pack",
                 "pack_name" => "tiny",
                   "credits" => 10,
             "bonus_credits" => 0,
               "price_cents" => 99,
            "price_currency" => "USD"
    },
        :created_at => 2026-02-25 23:39:54.914999000 UTC +00:00,
        :updated_at => 2026-02-25 23:39:54.914999000 UTC +00:00
}

# {
                :id => 5518,
         :wallet_id => 3236,
            :amount => 5100,
          :category => "credit_pack_purchase",
        :expires_at => nil,
    :fulfillment_id => nil,
          :metadata => {
        "purchase_charge_id" => 2186,
              "purchased_at" => "2026-02-26T04:31:31.191Z",
         "credits_fulfilled" => true,
              "fulfilled_at" => "2026-02-26T04:31:31.249Z",
             "purchase_type" => "credit_pack",
                 "pack_name" => "pro",
                   "credits" => 5000,
             "bonus_credits" => 100,
               "price_cents" => 19900,
            "price_currency" => "USD"
    },
        :created_at => 2026-02-26 04:31:31.282553000 UTC +00:00,
        :updated_at => 2026-02-26 04:31:31.282553000 UTC +00:00
}

# {
                :id => 5519,
         :wallet_id => 3236,
            :amount => 10,
          :category => "credit_pack_purchase",
        :expires_at => nil,
    :fulfillment_id => nil,
          :metadata => {
        "purchase_charge_id" => 2187,
              "purchased_at" => "2026-02-26T04:31:33.849Z",
         "credits_fulfilled" => true,
              "fulfilled_at" => "2026-02-26T04:31:33.877Z",
             "purchase_type" => "credit_pack",
                 "pack_name" => "tiny",
                   "credits" => 10,
             "bonus_credits" => 0,
               "price_cents" => 99,
            "price_currency" => "USD"
    },
        :created_at => 2026-02-26 04:31:33.880360000 UTC +00:00,
        :updated_at => 2026-02-26 04:31:33.880360000 UTC +00:00
}

# {
                :id => 5521,
         :wallet_id => 3236,
            :amount => 10,
          :category => "bonus",
        :expires_at => 2026-02-26 04:32:40.845090000 UTC +00:00,
    :fulfillment_id => nil,
          :metadata => {
        "reason" => "expiring_bonus_credits"
    },
        :created_at => 2026-02-26 04:31:40.881561000 UTC +00:00,
        :updated_at => 2026-02-26 04:31:40.881561000 UTC +00:00
}

# {
                :id => 5522,
         :wallet_id => 3236,
            :amount => 10,
          :category => "signup_bonus",
        :expires_at => nil,
    :fulfillment_id => nil,
          :metadata => {
        "reason" => "signup"
    },
        :created_at => 2026-02-26 04:31:42.759822000 UTC +00:00,
        :updated_at => 2026-02-26 04:31:42.759822000 UTC +00:00
}

UsageCredits::Allocation (0)

none

Audit trail

[
    [0] [
        [0] "signup_bonus",
        [1] 10,
        [2] {
            "reason" => "signup"
        }
    ],
    [1] [
        [0] "credit_pack_purchase",
        [1] 5100,
        [2] {
            "purchase_charge_id" => 2184,
                  "purchased_at" => "2026-02-25T21:08:55.089Z",
             "credits_fulfilled" => true,
                  "fulfilled_at" => "2026-02-25T21:08:55.105Z",
                 "purchase_type" => "credit_pack",
                     "pack_name" => "pro",
                       "credits" => 5000,
                 "bonus_credits" => 100,
                   "price_cents" => 19900,
                "price_currency" => "USD"
        }
    ],
    [2] [
        [0] "credit_pack_purchase",
        [1] 10,
        [2] {
            "purchase_charge_id" => 2185,
                  "purchased_at" => "2026-02-25T23:39:54.907Z",
             "credits_fulfilled" => true,
                  "fulfilled_at" => "2026-02-25T23:39:54.913Z",
                 "purchase_type" => "credit_pack",
                     "pack_name" => "tiny",
                       "credits" => 10,
                 "bonus_credits" => 0,
                   "price_cents" => 99,
                "price_currency" => "USD"
        }
    ],
    [3] [
        [0] "credit_pack_purchase",
        [1] 5100,
        [2] {
            "purchase_charge_id" => 2186,
                  "purchased_at" => "2026-02-26T04:31:31.191Z",
             "credits_fulfilled" => true,
                  "fulfilled_at" => "2026-02-26T04:31:31.249Z",
                 "purchase_type" => "credit_pack",
                     "pack_name" => "pro",
                       "credits" => 5000,
                 "bonus_credits" => 100,
                   "price_cents" => 19900,
                "price_currency" => "USD"
        }
    ],
    [4] [
        [0] "credit_pack_purchase",
        [1] 10,
        [2] {
            "purchase_charge_id" => 2187,
                  "purchased_at" => "2026-02-26T04:31:33.849Z",
             "credits_fulfilled" => true,
                  "fulfilled_at" => "2026-02-26T04:31:33.877Z",
                 "purchase_type" => "credit_pack",
                     "pack_name" => "tiny",
                       "credits" => 10,
                 "bonus_credits" => 0,
                   "price_cents" => 99,
                "price_currency" => "USD"
        }
    ],
    [5] [
        [0] "bonus",
        [1] 10,
        [2] {
            "reason" => "expiring_bonus_credits"
        }
    ],
    [6] [
        [0] "signup_bonus",
        [1] 10,
        [2] {
            "reason" => "signup"
        }
    ]
]

Loaded config

Literal, raw config file

      # frozen_string_literal: true

UsageCredits.configure do |config|

  # Default test operations
  operation :small_operation do
    costs 1.credit
  end

  # operation :test_operation do
  #   costs 10.credits + 1.credits_per(:mb)
  #   validate ->(params) { params[:size].to_i <= 100.megabytes }, "File too large (max: 100 MB)"
  # end

  operation :prohibitive_operation do
    costs 1_000_000.credits
  end

  operation :this_operation_will_always_fail do
    costs 42.credits
  end


  # Define test credit packs
  credit_pack :tiny do
    gives 10.credits
    costs 99.cents
  end

  credit_pack :starter do
    gives 1000.credits
    costs 49.dollars
  end

  credit_pack :pro do
    gives 5000.credits
    bonus 100.credits  # Optional: give bonus credits
    costs 199.dollars
    currency :usd
  end


  # Define subscriptions
  subscription_plan :test_plan do
    processor_plan(:fake_processor, "abcdef123456")
    gives 10.credits.every(:month)
    unused_credits :expire
  end

  # Alert when balance drops below 100 credits
  # Set to nil to disable low balance alerts
  # config.low_balance_threshold = 20.credits

  # # Handle low credit balance alerts
  # config.on_low_balance do |user|
  #   # Send notification to user when their balance drops below the threshold
  #   ApplicationMailer.generic_email(to: user.email, body: "Heads up! You're low on credits.", subject: "Low credits alert").deliver_now
  # end

end

Credit-consuming operations

small_operation
cost_calculator: #<UsageCredits::Cost::Fixed:0x000077bc8baf9348>
validation_rules: []
prohibitive_operation
cost_calculator: #<UsageCredits::Cost::Fixed:0x000077bc8baf9208>
validation_rules: []
this_operation_will_always_fail
cost_calculator: #<UsageCredits::Cost::Fixed:0x000077bc8baf9168>
validation_rules: []

Credit packs

tiny
credits: 10
bonus_credits: 0
total_credits: 10
credits_per_dollar: 10.1
price_cents: 99
price_currency: USD
formatted_price: 0.99 USD
display_name: Tiny pack
starter
credits: 1000
bonus_credits: 0
total_credits: 1000
credits_per_dollar: 20.41
price_cents: 4900
price_currency: USD
formatted_price: 49.00 USD
display_name: Starter pack
pro
credits: 5000
bonus_credits: 100
total_credits: 5100
credits_per_dollar: 25.63
price_cents: 19900
price_currency: USD
formatted_price: 199.00 USD
display_name: Pro pack

Credit subscription plans

test_plan
credits_per_period: 10
fulfillment_period: 2629746
rollover_enabled: false
processor_plan_ids: {:fake_processor=>"abcdef123456"}

Rest of the config

      {
  "default_currency": "usd",
  "rounding_strategy": "ceil",
  "credit_formatter": {},
  "fulfillment_grace_period": 300,
  "allow_negative_balance": false,
  "low_balance_threshold": null,
  "low_balance_callback": null
}