Billing Overview

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How Pricing Works in Mulligan

Mulligan operates on a credit-based system. Every action you take (quotes, submissions, proposals, policy checks, or commissions) costs a certain amount of credits.

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Core Principles

• Everyone starts with 10 free monthly credits on the ‘Pay as you Go’ plan - no credit card required
• Every action consumes credits based on its type
• Two ways to get more credits:
  1. Upgrade to a paid plan for higher monthly credit allocations
  2. Purchase additional credits for $1 each that work with any plan

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When Are Credits Consumed?

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What This Means

• Succeeded - Task completed successfully ✅ Credits consumed
• Failed - Task encountered an error ✅ Credits consumed
• Declined - Carrier declined the request ✅ Credits consumed
• Processing/Running - Task still in progress ❌ No credits consumed yet
• Terminated mid-process - Task stopped before completion ❌ No credits consumed

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Why This Model?

We only charge for completed processes (even if declined or failed) because:

• The system did the work to reach a final determination
• Failed/declined states indicate either carrier appetite issues or missing information
• We absorb the cost of mid-process terminations to be fair to users

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Viewing Your Credit Balance

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UsageTrackingBar (Top of Screen)

A sticky bar at the top of every page shows:

• Total remaining credits for the current period
• Refresh button - Click to get the latest credit count in real-time
• Expandable details - Click the dropdown to see credit costs and possible runs available for each module

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Balance Display (Settings/Billing Page)

For detailed credit information:

1. Go to Settings → Billing
2. View the Balance Display widget showing total remaining credits
3. Click “Refresh” to update in real-time

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What Happens When You Run Out of Credits?

When you attempt to use a feature without sufficient credits:

1. The action button shows a disabled appearance (grayed out, lower opacity)
2. You cannot use the platform until you:
   • Purchase additional credits ($1 each)
   • Upgrade to a higher plan with more monthly credits
   • Wait for credits to refresh at the start of the new billing cycle

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Credit System Architecture

Mulligan uses Metronome for usage-based tracking. Credits are utilized based on priority:

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Usage Priority Order

1. First: Monthly Free Credits (10 credits)
2. Second: Monthly Plan Credits (30, 350, or 2,000 depending on plan)
3. Third: Purchased Credits (valid for 1 year)

This is automatically handled by the system - you don’t need to manually choose which credits to use.

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Cost Per Module

Different modules consume different amounts of credits:

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Typical Credit Costs

Module costs vary based on:

• Complexity - More complex operations cost more credits
• Processing time - Longer-running tasks may cost more
• Data volume - Larger documents or more policies may increase costs
• Carrier - Some carriers require more complex form filling

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Best Practices for Managing Credits

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Quick Reference

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Credit Types at a Glance

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Plans at a Glance

View Detailed Plans

See full plan comparison and features

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Next Steps