Best alternatives to Credyt in 2026

If you've ever shipped an AI feature and only found out a week later that one customer's usage burned through your entire margin on API costs, that's the exact problem Credyt is built to prevent. It watches AI spending per customer as it happens, can hard-stop a request before it goes over a budget you set, and turns all of that into a bill your customer actually understands, whether you charge by usage, by seat, by subscription, or some mix of all three. Credyt is billing infrastructure aimed at AI-native companies, from solo founders shipping with Claude Code or Cursor up through Series B+ teams that need profitability visibility, who need cost tracking and monetization for AI products where usage (and cost) is unpredictable by nature. It streams cost data per API call, model, and customer in real time, enforces hard budget ceilings with pre-authorization checks (stopping a request before it overspends rather than billing after the fact), and supports usage-based, subscription, hybrid, credit-based, and seat-based pricing simultaneously, with claimed atomic processing around 10ms. It integrates with Claude Code, Cursor, Lovable, Bolt, and Stripe, and exposes webhooks, an OpenAPI spec, SDKs, and MCP server support. Pricing is free to start, then $1 per active customer wallet per month with no revenue percentage taken and no long-term commitment. The team's background is Visa, Checkout.com, TrueLayer, and SumUp, and the product evolved from an earlier platform called Revenew that reportedly analyzed $1B/month in revenue at its peak, a meaningful signal of payments-domain experience even though the current product is comparatively new.