BuffMoneyBuffMoney isn't a billing tool you bolt onto a payment processor. It's one revenue chain — from the first metered API call to a wire transfer in your bank — built for AI products selling into China.
Whatever shape your AI product uses to monetize — fixed subscription, prepaid credits, or one-time purchase — BuffMoney handles the metering, CNY collection, and settlement end to end.
Fixed monthly access fee
Users pay a recurring monthly fee for continued access. You set the tiers — Standard, Pro, Teams. Each cycle BuffMoney generates a CNY invoice, collects via WeChat Pay / Alipay, and settles the net to you.
Buy credits, spend as you go
Users buy a credit balance upfront; each action deducts from it. The default model for AI consumer products in China — no billing surprises, high conversion. Users top up when they want.
Pay once, own forever
Users pay a single amount for a permanent entitlement — lifetime license, digital asset pack, model fine-tune, premium feature unlock. A signed webhook delivers access; you control the gate.
Every module writes to the same append-only ledger. Reconciliation isn't a separate process — it's the byproduct of the design.
POST one event per metered action — token, image, agent run, storage GB. Idempotent ingestion, batch up to 500 per call, deduped by your own key.
Version-controlled rate cards per product. Pay-as-you-go, free allowances, tiered pricing, prepaid balance — without forking your billing logic.
Your end-customer scans WeChat Pay or Alipay. We collect under ePayments' license, return signed callbacks, and never expose payment credentials to your servers.
Each invoice locks one FX snapshot (BOC midpoint + transparent spread). Multi-currency balances — USD, EUR, GBP, SGD, AUD, NZD, HKD, JPY, THB.
Periodic payouts per merchant per currency. Two-admin approval required by policy. Export to CSV for ops.
Daily channel statements matched against internal payment orders and ledger entries. Velocity rules + manual freeze for risk events.
Every primitive a billing system needs — designed so a single engineer can integrate in a day.
Single source of truth at /api/openapi. Generate clients for any language.
Zero-dependency client at @buffmoney/sdk. Works in Node, Deno, Cloudflare Workers.
HMAC-signed events with exponential retry and replay UI.
Test the full flow without live money. Sandbox / live separated at the API-key layer.
Per-event + per-request idempotency. Retries are safe by design.
Every cent traceable. Balances derived from ledger, never patched in place.
From npm install to your first event:
npm install @buffmoney/sdk
import BuffMoneyClient from "@buffmoney/sdk";
const client = new BuffMoneyClient({ apiKey: process.env.BUFFMONEY_API_KEY! });
await client.usageEvents.ingest([{
customerExternalId: "user_42",
idempotencyKey: `evt_${Date.now()}`,
metric: "tokens_output",
quantity: "12500",
occurredAt: new Date().toISOString()
}]);