Credits and billing
Gary runs on credits. You buy a pack of credits, and Gary uses them as he works. There's no subscription and no monthly fee — you only spend when Gary does something for you.
What uses a credit
- A connected call — when Gary reaches a person — uses 1 credit. Calls that don't connect (no answer, wrong number) are free.
- A recovery — when Gary gets one of your invoices paid — has a flat success fee of 50 credits, whatever the invoice size. This is where the value is: you only pay the fee when the money actually comes in.
Your free start
- New accounts get 75 welcome credits, enough to run a first customer and land a first payment.
- Your first recovery is free — the welcome credits cover the journey to your first win, so you can see Gary work before you spend anything.
Buying credits
Buy a pack any time on the Billing page. Payment is handled securely by Stripe — pay by card or NZ bank direct debit, whichever suits. Your credits land straight away either way; a bank debit that later fails is reversed. All prices include GST.
| Pack | Credits | Price |
|---|---|---|
| Essentials | 125 | $25 |
| Sweet Spot | 350 | $50 |
| The Works | 1,000 | $100 |
Bigger packs give you more credits per dollar.
Auto top-up (optional)
So Gary never stops mid-chase, you can save a card or bank account and let him top up automatically when your balance runs low. You set the trigger and the pack.
Auto top-up only ever charges while Gary's fees stay under 5% of the invoice value he's recovered for you — so you're always well ahead. There's also a cap of a few top-ups a month. You can switch it off any time on the Billing page.
Card payments on a call (pay by phone)
Where it's switched on, a customer who says "I'll pay it now" can pay by card during Gary's call. They type the card number on their phone's keypad — nothing is spoken aloud — and the money goes straight to your bank account, in full. Gary never holds it.
The costs stay simple:
- The usual 50-credit recovery fee applies once the invoice is paid — same as any other recovery.
- The card processing cost (about 2.9% + 30¢) passes through at actual cost. It goes on a monthly bill in dollars, charged to your saved payment method as a GST invoice — it never touches your credits. On a $1,000 invoice that's about $29, shown on the invoice before you ever enable the feature.
- A willing payer is never blocked: card costs sit on the monthly bill, so a low credit balance can't stop a payment.
Set it up on the Billing page — a short verification form (legal name, NZBN, bank account) and you're away.
Running low
When your balance is low, Gary shows a nudge on the dashboard and the Billing page. If you run out and haven't set up auto top-up, Gary pauses new calls until you buy more — he never goes into the red on your behalf.
Seeing where credits went
The Billing page shows your running balance and a list of every credit in and out — packs bought, calls made, recoveries, and any gifts or referral rewards — so it's always clear what you paid for.