Használat, kreditek és kvóták

Usage Metering, Credits & Quotas

Usage-based billing (API tokens, AI agent runs, emails sent, compute minutes, storage GB) and prepaid credit wallets are prime targets for race conditions (double-spending) and double-charging on retries. Design metering and quota enforcement with append-only ledgers and atomic concurrency control.

1. Append-Only Credit Ledger vs. Mutable Balance Column

Never manage prepaid credits or wallet balances solely with UPDATE wallets SET balance = balance - 10:

• Double-entry / Append-Only Ledger (credit_ledger_entries):
  • Every balance change is an immutable row with id, tenant_id, idempotency_key (UNIQUE), entry_type (grant_subscription, grant_topup, promotional_bonus, usage_debit, reservation_hold, reservation_release, expiration, refund_reversal, manual_adjustment), signed amount, lot_id, and created_at.
  • Materialize current_balance on the wallet/lot row inside the same database transaction with a CHECK (balance >= 0) constraint so concurrent debits can never drive the balance negative.
• Credit Lots & Expiration Order (FIFO by Expiry):
  • Subscription-included monthly credits (expire at current_period_end), promotional credits (expire on promo date) and purchased top-up credits (never expire or expire in 12 months) must be tracked in separate credit lots (credit_lots).
  • When consuming credits, deduct from the earliest-expiring eligible lot first (ORDER BY expires_at ASC NULLS LAST) so customers never lose expiring subscription credits while spending non-expiring top-up credits.

2. Reserve -> Commit -> Release for Long-Running Operations

When an operation takes seconds or minutes and has variable cost (e.g., an LLM/agent run, video render or batch export), checking if (balance > 0) before starting allows 20 concurrent requests to spend the same last credit:

1. Reserve (Pre-Authorization Hold):
   • Before starting the job, atomically reserve the estimated or maximum budget (status: 'reserved', deducting from available_balance) with SELECT ... FOR UPDATE or an atomic conditional UPDATE ... WHERE available_balance >= :hold.
   • If insufficient balance, reject immediately (402 Payment Required / quota_exceeded) before incurring external compute/API costs.
2. Commit (Settle Actual Usage):
   • When the operation finishes, record the actual metered cost (actual <= reserved, or capped/overage per policy) and release the unused portion of the reservation atomically.
3. Release / Rollback on System Failure:
   • If the operation fails due to an internal system error or upstream outage before delivering output, release the reservation (status: 'released') so the user is not charged for a failed run.
   • Include a background sweeper for orphaned reserved holds whose worker crashed.

3. Metered Billing Aggregation & Overage Reporting

When reporting metered usage to a billing provider (e.g., Stripe Billing Meters / Usage Records):

• Idempotent Usage Events: attach a deterministic idempotency_key (usage:${runId}:${stepId}) to every usage event so retried worker jobs never inflate the customer's metered bill.
• Period Boundary Alignment: attributes usage events to the exact timestamp when the work occurred, respecting the subscription's billing period boundaries and grace window before invoice finalization.
• Hard Cap vs. Soft Cap / Overage: enforce explicitly whether reaching 100% of plan quota blocks further usage (hard cap), triggers an automatic top-up (auto-recharge with a monthly safety ceiling!), or bills pay-as-you-go overage at period end.