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Understanding Your AI Credits: A Simple Guide

Think of your AI Credits like a prepaid data plan. Learn exactly how they are calculated and used.

Watsy Team
Jan 13, 2026
4 min read
Understanding Your AI Credits: A Simple Guide

Understanding Your AI Credits: A Simple Guide

Think of your AI Credits like a prepaid data plan for your phone. Every time your AI reads a message, looks at a document, or writes a reply, it uses a small amount of data (Credits).

We don't charge you per message, but rather by how much work the AI does. Here is how to understand exactly where your credits go.

1. What is a "Credit"?

In the world of AI, we count usage in "Tokens." In our system, 1 Credit = 1 Token. But what is a Token?

  • 1 Credit ≈ 4 characters (about half a word).
  • 100 Credits ≈ 60-80 words (a short paragraph).
  • 1,000 Credits ≈ 1 full page of text.

2. The "Receipt": How a Message is Calculated

When a customer sends a message to your WhatsApp AI, you might think you are only paying for the answer. However, the AI actually does three things that cost credits:

  1. Reading (Input): The AI reads the user's message.
  2. Thinking & Searching (The Hidden Cost): If the user asks a question about your business (e.g., "What is your return policy?"), the AI has to open your uploaded documents (Knowledge Base), find the right page, and read that page to get the facts.
  3. Writing (Output): The AI types out the answer to the customer.

🧾 Example 1: A Simple Greeting (Cheap)

  • User says: "Hello!"
  • AI Reads: "Hello!" (2 Credits)
  • AI Writes: "Hi there! How can I help you today?" (10 Credits)
  • Total Cost: ~12 Credits

🧾 Example 2: A Knowledge Base Question (Heavier)

  • User says: "Does your Premium Plan include support?"
  • AI Reads Question: 10 Credits.
  • AI Reads Your Documents: The AI finds the relevant section in your pricing PDF. Let's say it reads a 300-word paragraph to verify the answer. (400 Credits).
  • AI Writes Answer: "Yes, the Premium plan includes 24/7 support." (15 Credits).
  • Total Cost: ~425 Credits

💡 Key Takeaway: Questions that require the AI to look up information in your files cost more credits because the AI has to "read" your files to be accurate.

3. Does Language Matter?

Yes, slightly!

  • English is very efficient (1 word ≈ 1.3 credits).
  • Complex Scripts (Arabe, Chinois, Japonais, Emojis): These act differently. A single emoji might cost 1-2 credits. An Arabic word might cost slightly more credits than an English word due to how computers process text.

4. Images, Audio & Video

If you enable media handling, here is what it costs:

  • Images: When the AI looks at a photo sent by a user, it costs roughly 260 Credits per image.
  • Voice Notes (Audio): If a user sends a voice note, the AI listens to it. This costs roughly 32 Credits per second of audio.
    • 10-second voice note ≈ 320 Credits.

5. Frequently Asked Questions

Why did my credits drop when nobody messaged me? They shouldn't! Credits are only used when the AI processes an interaction. Check your analytics to see if you had a busy day on WhatsApp.

Does a longer chat history cost more? Yes. To remember the context of a conversation (e.g., knowing the user's name from 5 messages ago), the AI quickly "re-reads" the recent chat history with every new reply. Long, ongoing conversations use slightly more credits per message than brand new ones.

How do I save credits?

  • Keep answers concise: Instruct your AI Agent to give shorter answers in the settings.
  • Clean your Knowledge Base: Don't upload 500-page manuals if the user only needs 5 pages of info. The less "junk" text the AI has to scan, the efficient it becomes.

Conclusion

Monitoring your usage is easy. Check your dashboard at any time to see exactly how your credits are being used.