Offering flexible payment options for subscription-based API access can enhance customer experience, with post-paid and pre-paid (PAYG) models being the primary methods. Post-paid billing might result in unexpected charges for users, potentially causing dissatisfaction and revenue loss for providers, while pre-paid services allow users to manage expenses by purchasing credits upfront, ensuring budget adherence. Moesif's billing feature supports both models, integrating with Stripe to facilitate payments. The platform allows for the setup of company cohorts, governance rules, and behavioral emails to manage user credits effectively under the PAYG model. This setup helps notify users when they run out of credits, blocking API access until accounts are topped up, thus offering a structured approach to monetization. Moesif provides a comprehensive solution for implementing these billing strategies, supporting various payment gateways, and enabling businesses to better manage API monetization with built-in analytics and governance tools.