Phota AI Text-to-Image Pricing — Choose Your Plan

Every USD converts to 100 credits. Each 1K text-to-image generation on Phota AI uses 18 credits, and each 4K image uses 36 credits.

Monthly plans charge once per month, while yearly plans bill once for the full year at a discounted effective rate (about two months free). Both give you the same perks and renew automatically.

Yes. You can upgrade or downgrade from your billing dashboard. Upgrades go live immediately with prorated billing; downgrades or cancellations take effect at the end of the current cycle.

No. Credits purchased through the one-time option never expire, so you can load as much or as little as you need and use them whenever you're ready.

We process payments through Stripe and accept major credit and debit cards. PayPal and bank transfer options are available in select regions.

We offer a 7-day no-questions-asked refund window on new subscriptions. For renewals, reach out within 72 hours if something went wrong and the team will review the charge with you.

Email support@photaai.org or open an in-app ticket from the Help menu. Paid plans receive priority responses within one business day; free users typically hear back within 48 hours.

Yes. Business plans include shared workspaces. Team owners can allocate credits, manage billing, and invite members through the billing dashboard.

Your requests will pause once the credit balance reaches zero. You can top up instantly with pay-as-you-go credits or upgrade your subscription to resume generating.