How does pay-as-you-go AI chat work?
Pay-as-you-go AI chat on XVA means you buy prepaid credits and each message spends some of them, with no subscription, and XVA is not taking payment yet.
Is there a subscription?
No. The home page FAQ says you top up prepaid credits and each message uses some of them. There is no monthly fee and no automatic charge. The pricing page repeats that: no subscription, no monthly fee, no automatic charges.
An optional monthly plan is on the later list on both pages. It is not something you can buy. The pricing page says there are no free trial credits at launch.
What are the top-up amounts?
The pricing page, read on 2026-11-07, shows four top-ups in US dollars. $10 is 10,000 credits. $25 is 25,000 credits. $50 is 50,000 credits. $100 is 100,000 credits. The rate printed above them is 1,000 credits = $1. The smallest top-up is $10.
The same page says new accounts may have lower top-up limits in their first week, to prevent card fraud, and that any sales tax that applies will be shown before you pay. It also says the full refund policy and terms will be published before XVA accepts any payment. Those documents are not on the site.
Do credits expire, and can I get them back?
No expiry. The pricing page says credits stay in your balance until you use them. Unused credits from a top-up can be refunded within 30 days of that purchase. Credits you have already used are not refunded.
XVA only charges a card when you choose to top up. This page does not take a payment. The pricing page itself says 'not on sale yet'.
What changes the credit cost of a message?
The pricing page names four things. The level or model: Fast uses the fewest credits and Frontier the most. How long your message and the reply are. How long the conversation is, because the whole conversation is sent with each new message. Tools: web search, if you switch it on, adds credits, up to a cap.
You see an estimated credit range before you send, and the exact charge on the message afterwards. You can set a daily credit limit on any bot. Per-level rates are not on the page. The illustration on the home page leaves the credit figures blank on purpose, until those rates are set.