What’s the best way to handle credit-based pricing in SaaS?
I’m working on a SaaS where every action has a fixed cost on my side, so flat monthly pricing doesn’t really make sense because usage varies too much between merchants.
Postpaid usage billing also feels risky UX-wise since customers can end up with surprise invoices at the end of the month even with caps in place.
Right now I’m leaning more toward a prepaid credit system where users buy credits upfront and actions simply consume from that balance.
Curious how people here implemented this technically. Did you build your own credit ledger/wallet system, use Stripe balances, or rely on a billing platform for it?