`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
`Apr 12, 3:02 PM`	+10 credits	signup_bonus signup	–
`Apr 13, 12:03 AM`	+5100 credits	credit_pack_purchase	–
`Apr 13, 9:12 AM`	+5100 credits	credit_pack_purchase	–
`Apr 14, 9:30 PM`	+10 credits	credit_pack_purchase	–
`Apr 14, 11:41 PM`	+20 credits	referral_bonus referral	–
`Apr 15, 1:27 AM`	+10 credits	signup_bonus signup	–
`Apr 15, 1:58 AM`	+20 credits	referral_bonus referral	–
`Apr 15, 10:09 AM`	+10 credits	bonus expiring_bonus_credits	–
`Apr 16, 4:00 PM`	+10 credits	bonus expiring_bonus_credits	🗑️ expired
`Apr 16, 5:02 PM`	+10 credits	signup_bonus signup	–
`Apr 16, 5:50 PM`	+20 credits	referral_bonus referral	–
`Apr 16, 6:44 PM`	+5100 credits	credit_pack_purchase	–
`Apr 16, 7:31 PM`	+1000 credits	credit_pack_purchase	–

Payment records (`pay` gem)

The user has paid $646.99 total

Pay::Charge (5)

# {
                        :id => 2414,
               :customer_id => 3507,
           :subscription_id => nil,
              :processor_id => "0hFYeRz79UwILXH9dYmgH",
                    :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" => 4,
                   "exp_year" => 2026
    },
            :stripe_account => nil,
                :created_at => 2026-04-13 00:03:27.332464000 UTC +00:00,
                :updated_at => 2026-04-13 00:03:27.332464000 UTC +00:00,
                      :type => "Pay::FakeProcessor::Charge"
}

# {
                        :id => 2421,
               :customer_id => 3507,
           :subscription_id => nil,
              :processor_id => "FCPILrJ2OWho-d1208Ttj",
                    :amount => 4900,
                  :currency => nil,
    :application_fee_amount => nil,
           :amount_refunded => nil,
                  :metadata => {
         "purchase_type" => "credit_pack",
             "pack_name" => "starter",
               "credits" => 1000,
         "bonus_credits" => 0,
           "price_cents" => 4900,
        "price_currency" => "USD"
    },
                      :data => {
        "payment_method_type" => "card",
                      "brand" => "Fake",
                      "last4" => 1234,
                  "exp_month" => 4,
                   "exp_year" => 2026
    },
            :stripe_account => nil,
                :created_at => 2026-04-16 19:31:52.655885000 UTC +00:00,
                :updated_at => 2026-04-16 19:31:52.655885000 UTC +00:00,
                      :type => "Pay::FakeProcessor::Charge"
}

# {
                        :id => 2415,
               :customer_id => 3507,
           :subscription_id => nil,
              :processor_id => "Y1y4eSQB2GuCUQQZos921",
                    :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" => 4,
                   "exp_year" => 2026
    },
            :stripe_account => nil,
                :created_at => 2026-04-13 09:12:31.054379000 UTC +00:00,
                :updated_at => 2026-04-13 09:12:31.054379000 UTC +00:00,
                      :type => "Pay::FakeProcessor::Charge"
}

# {
                        :id => 2416,
               :customer_id => 3507,
           :subscription_id => nil,
              :processor_id => "_YnkxpE6Nbl2H7kgXgzoK",
                    :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" => 4,
                   "exp_year" => 2026
    },
            :stripe_account => nil,
                :created_at => 2026-04-14 21:30:59.423926000 UTC +00:00,
                :updated_at => 2026-04-14 21:30:59.423926000 UTC +00:00,
                      :type => "Pay::FakeProcessor::Charge"
}

# {
                        :id => 2420,
               :customer_id => 3507,
           :subscription_id => nil,
              :processor_id => "bbHQLFxwMqDHf_nUEPvr1",
                    :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" => 4,
                   "exp_year" => 2026
    },
            :stripe_account => nil,
                :created_at => 2026-04-16 18:44:42.796274000 UTC +00:00,
                :updated_at => 2026-04-16 18:44:42.796274000 UTC +00:00,
                      :type => "Pay::FakeProcessor::Charge"
}

Pay::Subscription (0)

none

Model records

UsageCredits::Fulfillment (5)

# {
                          :id => 3684,
                   :wallet_id => 3513,
                 :source_type => "Pay::Charge",
                   :source_id => 2414,
    :credits_last_fulfillment => 5100,
            :fulfillment_type => "credit_pack",
           :last_fulfilled_at => 2026-04-13 00:03:27.347675000 UTC +00:00,
         :next_fulfillment_at => nil,
          :fulfillment_period => nil,
                    :stops_at => nil,
                    :metadata => {
        "purchase_charge_id" => 2414,
              "purchased_at" => "2026-04-13T00:03:27.332Z",
             "purchase_type" => "credit_pack",
                 "pack_name" => "pro",
                   "credits" => 5000,
             "bonus_credits" => 100,
               "price_cents" => 19900,
            "price_currency" => "USD"
    },
                  :created_at => 2026-04-13 00:03:27.355504000 UTC +00:00,
                  :updated_at => 2026-04-13 00:03:27.355504000 UTC +00:00
}

# {
                          :id => 3685,
                   :wallet_id => 3513,
                 :source_type => "Pay::Charge",
                   :source_id => 2415,
    :credits_last_fulfillment => 5100,
            :fulfillment_type => "credit_pack",
           :last_fulfilled_at => 2026-04-13 09:12:31.097511000 UTC +00:00,
         :next_fulfillment_at => nil,
          :fulfillment_period => nil,
                    :stops_at => nil,
                    :metadata => {
        "purchase_charge_id" => 2415,
              "purchased_at" => "2026-04-13T09:12:31.054Z",
             "purchase_type" => "credit_pack",
                 "pack_name" => "pro",
                   "credits" => 5000,
             "bonus_credits" => 100,
               "price_cents" => 19900,
            "price_currency" => "USD"
    },
                  :created_at => 2026-04-13 09:12:31.103247000 UTC +00:00,
                  :updated_at => 2026-04-13 09:12:31.103247000 UTC +00:00
}

# {
                          :id => 3686,
                   :wallet_id => 3513,
                 :source_type => "Pay::Charge",
                   :source_id => 2416,
    :credits_last_fulfillment => 10,
            :fulfillment_type => "credit_pack",
           :last_fulfilled_at => 2026-04-14 21:30:59.493244000 UTC +00:00,
         :next_fulfillment_at => nil,
          :fulfillment_period => nil,
                    :stops_at => nil,
                    :metadata => {
        "purchase_charge_id" => 2416,
              "purchased_at" => "2026-04-14T21:30:59.423Z",
             "purchase_type" => "credit_pack",
                 "pack_name" => "tiny",
                   "credits" => 10,
             "bonus_credits" => 0,
               "price_cents" => 99,
            "price_currency" => "USD"
    },
                  :created_at => 2026-04-14 21:30:59.517090000 UTC +00:00,
                  :updated_at => 2026-04-14 21:30:59.517090000 UTC +00:00
}

# {
                          :id => 3691,
                   :wallet_id => 3513,
                 :source_type => "Pay::Charge",
                   :source_id => 2420,
    :credits_last_fulfillment => 5100,
            :fulfillment_type => "credit_pack",
           :last_fulfilled_at => 2026-04-16 18:44:42.810909000 UTC +00:00,
         :next_fulfillment_at => nil,
          :fulfillment_period => nil,
                    :stops_at => nil,
                    :metadata => {
        "purchase_charge_id" => 2420,
              "purchased_at" => "2026-04-16T18:44:42.796Z",
             "purchase_type" => "credit_pack",
                 "pack_name" => "pro",
                   "credits" => 5000,
             "bonus_credits" => 100,
               "price_cents" => 19900,
            "price_currency" => "USD"
    },
                  :created_at => 2026-04-16 18:44:42.811703000 UTC +00:00,
                  :updated_at => 2026-04-16 18:44:42.811703000 UTC +00:00
}

# {
                          :id => 3692,
                   :wallet_id => 3513,
                 :source_type => "Pay::Charge",
                   :source_id => 2421,
    :credits_last_fulfillment => 1000,
            :fulfillment_type => "credit_pack",
           :last_fulfilled_at => 2026-04-16 19:31:52.667000000 UTC +00:00,
         :next_fulfillment_at => nil,
          :fulfillment_period => nil,
                    :stops_at => nil,
                    :metadata => {
        "purchase_charge_id" => 2421,
              "purchased_at" => "2026-04-16T19:31:52.655Z",
             "purchase_type" => "credit_pack",
                 "pack_name" => "starter",
                   "credits" => 1000,
             "bonus_credits" => 0,
               "price_cents" => 4900,
            "price_currency" => "USD"
    },
                  :created_at => 2026-04-16 19:31:52.667498000 UTC +00:00,
                  :updated_at => 2026-04-16 19:31:52.667498000 UTC +00:00
}

UsageCredits::Transaction (13)

# {
                :id => 6059,
         :wallet_id => 3513,
            :amount => 10,
          :category => "signup_bonus",
        :expires_at => nil,
    :fulfillment_id => nil,
          :metadata => {
        "reason" => "signup"
    },
        :created_at => 2026-04-12 15:02:15.486489000 UTC +00:00,
        :updated_at => 2026-04-12 15:02:15.486489000 UTC +00:00
}

# {
                :id => 6060,
         :wallet_id => 3513,
            :amount => 5100,
          :category => "credit_pack_purchase",
        :expires_at => nil,
    :fulfillment_id => nil,
          :metadata => {
        "purchase_charge_id" => 2414,
              "purchased_at" => "2026-04-13T00:03:27.332Z",
         "credits_fulfilled" => true,
              "fulfilled_at" => "2026-04-13T00:03:27.342Z",
             "purchase_type" => "credit_pack",
                 "pack_name" => "pro",
                   "credits" => 5000,
             "bonus_credits" => 100,
               "price_cents" => 19900,
            "price_currency" => "USD"
    },
        :created_at => 2026-04-13 00:03:27.345443000 UTC +00:00,
        :updated_at => 2026-04-13 00:03:27.345443000 UTC +00:00
}

# {
                :id => 6061,
         :wallet_id => 3513,
            :amount => 5100,
          :category => "credit_pack_purchase",
        :expires_at => nil,
    :fulfillment_id => nil,
          :metadata => {
        "purchase_charge_id" => 2415,
              "purchased_at" => "2026-04-13T09:12:31.054Z",
         "credits_fulfilled" => true,
              "fulfilled_at" => "2026-04-13T09:12:31.069Z",
             "purchase_type" => "credit_pack",
                 "pack_name" => "pro",
                   "credits" => 5000,
             "bonus_credits" => 100,
               "price_cents" => 19900,
            "price_currency" => "USD"
    },
        :created_at => 2026-04-13 09:12:31.087814000 UTC +00:00,
        :updated_at => 2026-04-13 09:12:31.087814000 UTC +00:00
}

# {
                :id => 6062,
         :wallet_id => 3513,
            :amount => 10,
          :category => "credit_pack_purchase",
        :expires_at => nil,
    :fulfillment_id => nil,
          :metadata => {
        "purchase_charge_id" => 2416,
              "purchased_at" => "2026-04-14T21:30:59.423Z",
         "credits_fulfilled" => true,
              "fulfilled_at" => "2026-04-14T21:30:59.460Z",
             "purchase_type" => "credit_pack",
                 "pack_name" => "tiny",
                   "credits" => 10,
             "bonus_credits" => 0,
               "price_cents" => 99,
            "price_currency" => "USD"
    },
        :created_at => 2026-04-14 21:30:59.477548000 UTC +00:00,
        :updated_at => 2026-04-14 21:30:59.477548000 UTC +00:00
}

# {
                :id => 6063,
         :wallet_id => 3513,
            :amount => 20,
          :category => "referral_bonus",
        :expires_at => nil,
    :fulfillment_id => nil,
          :metadata => {
        "reason" => "referral"
    },
        :created_at => 2026-04-14 23:41:35.092037000 UTC +00:00,
        :updated_at => 2026-04-14 23:41:35.092037000 UTC +00:00
}

# {
                :id => 6064,
         :wallet_id => 3513,
            :amount => 10,
          :category => "signup_bonus",
        :expires_at => nil,
    :fulfillment_id => nil,
          :metadata => {
        "reason" => "signup"
    },
        :created_at => 2026-04-15 01:27:26.595121000 UTC +00:00,
        :updated_at => 2026-04-15 01:27:26.595121000 UTC +00:00
}

# {
                :id => 6066,
         :wallet_id => 3513,
            :amount => 20,
          :category => "referral_bonus",
        :expires_at => nil,
    :fulfillment_id => nil,
          :metadata => {
        "reason" => "referral"
    },
        :created_at => 2026-04-15 01:58:16.887417000 UTC +00:00,
        :updated_at => 2026-04-15 01:58:16.887417000 UTC +00:00
}

# {
                :id => 6067,
         :wallet_id => 3513,
            :amount => 10,
          :category => "bonus",
        :expires_at => nil,
    :fulfillment_id => nil,
          :metadata => {
        "reason" => "expiring_bonus_credits"
    },
        :created_at => 2026-04-15 10:09:04.210486000 UTC +00:00,
        :updated_at => 2026-04-15 10:09:04.210486000 UTC +00:00
}

# {
                :id => 6075,
         :wallet_id => 3513,
            :amount => 10,
          :category => "bonus",
        :expires_at => 2026-04-16 16:01:28.397721000 UTC +00:00,
    :fulfillment_id => nil,
          :metadata => {
        "reason" => "expiring_bonus_credits"
    },
        :created_at => 2026-04-16 16:00:28.403016000 UTC +00:00,
        :updated_at => 2026-04-16 16:00:28.403016000 UTC +00:00
}

# {
                :id => 6076,
         :wallet_id => 3513,
            :amount => 10,
          :category => "signup_bonus",
        :expires_at => nil,
    :fulfillment_id => nil,
          :metadata => {
        "reason" => "signup"
    },
        :created_at => 2026-04-16 17:02:04.066046000 UTC +00:00,
        :updated_at => 2026-04-16 17:02:04.066046000 UTC +00:00
}

# {
                :id => 6077,
         :wallet_id => 3513,
            :amount => 20,
          :category => "referral_bonus",
        :expires_at => nil,
    :fulfillment_id => nil,
          :metadata => {
        "reason" => "referral"
    },
        :created_at => 2026-04-16 17:50:15.715851000 UTC +00:00,
        :updated_at => 2026-04-16 17:50:15.715851000 UTC +00:00
}

# {
                :id => 6078,
         :wallet_id => 3513,
            :amount => 5100,
          :category => "credit_pack_purchase",
        :expires_at => nil,
    :fulfillment_id => nil,
          :metadata => {
        "purchase_charge_id" => 2420,
              "purchased_at" => "2026-04-16T18:44:42.796Z",
         "credits_fulfilled" => true,
              "fulfilled_at" => "2026-04-16T18:44:42.805Z",
             "purchase_type" => "credit_pack",
                 "pack_name" => "pro",
                   "credits" => 5000,
             "bonus_credits" => 100,
               "price_cents" => 19900,
            "price_currency" => "USD"
    },
        :created_at => 2026-04-16 18:44:42.807866000 UTC +00:00,
        :updated_at => 2026-04-16 18:44:42.807866000 UTC +00:00
}

# {
                :id => 6079,
         :wallet_id => 3513,
            :amount => 1000,
          :category => "credit_pack_purchase",
        :expires_at => nil,
    :fulfillment_id => nil,
          :metadata => {
        "purchase_charge_id" => 2421,
              "purchased_at" => "2026-04-16T19:31:52.655Z",
         "credits_fulfilled" => true,
              "fulfilled_at" => "2026-04-16T19:31:52.663Z",
             "purchase_type" => "credit_pack",
                 "pack_name" => "starter",
                   "credits" => 1000,
             "bonus_credits" => 0,
               "price_cents" => 4900,
            "price_currency" => "USD"
    },
        :created_at => 2026-04-16 19:31:52.664519000 UTC +00:00,
        :updated_at => 2026-04-16 19:31:52.664519000 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" => 2414,
                  "purchased_at" => "2026-04-13T00:03:27.332Z",
             "credits_fulfilled" => true,
                  "fulfilled_at" => "2026-04-13T00:03:27.342Z",
                 "purchase_type" => "credit_pack",
                     "pack_name" => "pro",
                       "credits" => 5000,
                 "bonus_credits" => 100,
                   "price_cents" => 19900,
                "price_currency" => "USD"
        }
    ],
    [ 2] [
        [0] "credit_pack_purchase",
        [1] 5100,
        [2] {
            "purchase_charge_id" => 2415,
                  "purchased_at" => "2026-04-13T09:12:31.054Z",
             "credits_fulfilled" => true,
                  "fulfilled_at" => "2026-04-13T09:12:31.069Z",
                 "purchase_type" => "credit_pack",
                     "pack_name" => "pro",
                       "credits" => 5000,
                 "bonus_credits" => 100,
                   "price_cents" => 19900,
                "price_currency" => "USD"
        }
    ],
    [ 3] [
        [0] "credit_pack_purchase",
        [1] 10,
        [2] {
            "purchase_charge_id" => 2416,
                  "purchased_at" => "2026-04-14T21:30:59.423Z",
             "credits_fulfilled" => true,
                  "fulfilled_at" => "2026-04-14T21:30:59.460Z",
                 "purchase_type" => "credit_pack",
                     "pack_name" => "tiny",
                       "credits" => 10,
                 "bonus_credits" => 0,
                   "price_cents" => 99,
                "price_currency" => "USD"
        }
    ],
    [ 4] [
        [0] "referral_bonus",
        [1] 20,
        [2] {
            "reason" => "referral"
        }
    ],
    [ 5] [
        [0] "signup_bonus",
        [1] 10,
        [2] {
            "reason" => "signup"
        }
    ],
    [ 6] [
        [0] "referral_bonus",
        [1] 20,
        [2] {
            "reason" => "referral"
        }
    ],
    [ 7] [
        [0] "bonus",
        [1] 10,
        [2] {
            "reason" => "expiring_bonus_credits"
        }
    ],
    [ 8] [
        [0] "bonus",
        [1] 10,
        [2] {
            "reason" => "expiring_bonus_credits"
        }
    ],
    [ 9] [
        [0] "signup_bonus",
        [1] 10,
        [2] {
            "reason" => "signup"
        }
    ],
    [10] [
        [0] "referral_bonus",
        [1] 20,
        [2] {
            "reason" => "referral"
        }
    ],
    [11] [
        [0] "credit_pack_purchase",
        [1] 5100,
        [2] {
            "purchase_charge_id" => 2420,
                  "purchased_at" => "2026-04-16T18:44:42.796Z",
             "credits_fulfilled" => true,
                  "fulfilled_at" => "2026-04-16T18:44:42.805Z",
                 "purchase_type" => "credit_pack",
                     "pack_name" => "pro",
                       "credits" => 5000,
                 "bonus_credits" => 100,
                   "price_cents" => 19900,
                "price_currency" => "USD"
        }
    ],
    [12] [
        [0] "credit_pack_purchase",
        [1] 1000,
        [2] {
            "purchase_charge_id" => 2421,
                  "purchased_at" => "2026-04-16T19:31:52.655Z",
             "credits_fulfilled" => true,
                  "fulfilled_at" => "2026-04-16T19:31:52.663Z",
                 "purchase_type" => "credit_pack",
                     "pack_name" => "starter",
                       "credits" => 1000,
                 "bonus_credits" => 0,
                   "price_cents" => 4900,
                "price_currency" => "USD"
        }
    ]
]

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
}