> ## Documentation Index
> Fetch the complete documentation index at: https://docs.tokenfactory.nebius.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Billing

> How to pay for resources.

When you start using [Nebius Token Factory](https://tokenfactory.nebius.com), you are granted some initial credits. They are sufficient for exploring the service, but you may need to add funds for heavy workloads.

You can top up your balance in two ways:

* [Pay with a bank card](https://docs.tokenfactory.nebius.com/other-capabilities/billing#paying-with-a-bank-card)
* [Apply a promo code](https://docs.tokenfactory.nebius.com/other-capabilities/billing#applying-a-promo-code)

Your account balance is displayed in the navigation menu. Make sure the balance is positive; if it is negative, the [API](https://docs.tokenfactory.nebius.com/api-reference/introduction) returns errors in response to your requests.

## Paying with a bank card

You can pay with a bank card when you notice that the balance is insufficient, or set up automatic payments.

[Nebius Token Factory](https://tokenfactory.nebius.com) uses [Stripe](https://stripe.com/) to process payments. For more information on accepted card types, see the [Stripe documentation](https://docs.stripe.com/payments/cards).

### How to add billing information

When you pay for the first time, add your billing information:

1. In the navigation menu, click your balance.
2. Click  <Icon icon="circle-plus" iconType="solid" /> **Top up**.
3. Specify the required information:
   * Email address
   * Your name
   * Country of residence or country where your company is registered
   * Billing address
4. Select whether you want to pay as an individual or on behalf of a company.
5. If you select to pay on behalf of a company, specify the company information:
   * Tax ID (VAT number)
   * Company name
   * Postal code
6. Click **Save account details**.

### How to pay with a bank card

To top up your balance by using a bank card, do the following:

1. In the navigation menu, click your balance.
2. Click <Icon icon="circle-plus" iconType="solid" /> **Top up**.
3. If you are paying for the first time, provide your billing information as described in [How to add billing information](https://docs.tokenfactory.nebius.com/other-capabilities/billing#how-to-add-billing-information).
4. Enter the top-up amount, and add or check the card details. Nebius Token factory may apply taxes depending on your country of residence and account type. For more information, see the [tax calculation details](https://docs.tokenfactory.nebius.com/other-capabilities/billing#how-taxes-are-calculated) below.
5. Click **Top up**.

[Nebius Token Factory](https://tokenfactory.nebius.com) saves the card used for the first payment and will use it for future payments.

### How to configure automatic top-ups

To keep your balance positive, enable automatic top-ups:

1. In the navigation menu, click your balance.
2. Click  <Icon icon="circle-plus" iconType="solid" /> **Top up**.
3. Click **Setup auto top-up**.
4. Enable the automatic top-up option and specify its settings:
   * Threshold: Balance value that triggers a top-up. For example, enter `10` to trigger a top-up every time your balance reaches \$10.
   * Amount to add.
   * Card details, if not provided already.
5. Click **Save auto top-up settings**.

### How to change the card

To update your payment card, do the following:

1. In the navigation menu, click your balance.
2. Go to [Billing details](https://tokenfactory.nebius.com/organization/billing-details).
3. In the **Payment details** section, next to your current card, click <Icon icon="pencil" iconType="solid" /> → **Edit**.
4. Enter the details of the new card.

If you enabled automatic top-ups, your new card will be used for them as well.

### How taxes are calculated

Depending on your location or your company location, [Nebius Token Factory](https://tokenfactory.nebius.com) may apply taxes such as Value Added Tax (VAT).

| Residence       | Tax for individuals               | Tax for companies |
| --------------- | --------------------------------- | ----------------- |
| The Netherlands | 21%                               | 21%               |
| Rest of EU      | According to your country tax law | No tax            |
| United States   | No tax                            | No tax            |
| Rest of world   | No tax                            | No tax            |

## Applying a promo code

A promo code grants you free [Nebius Token Factory](https://tokenfactory.nebius.com) credits. You can receive a promo code from Nebius as part of a special offer.

You can apply a promo code even if you have not added **billing information** or a **bank card**.

To apply a promo code if billing is not configured, do the following:

1. In the navigation menu, click your balance.
2. Click <Icon icon="circle-plus" iconType="solid" /> **Top up**.
3. Click **Apply promo code**.
4. Enter your promo code and click **Apply promo code**.

To apply a promo code in a configured billing account, do the following:

1. In the navigation menu, click your balance.
2. Click  <Icon icon="circle-plus" iconType="solid" /> **Top up**.
3. Select **With promo code**.
4. Enter your promo code and click **Top up**.

Once your promo code is applied, your balance increases by the corresponding amount.

To verify that the promo code is applied, check the [Payments](https://tokenfactory.nebius.com/organization/payments) section.