Why are my API requests failing after a switch from monthly to prepaid billing?

Below is some guidance based on the error and our documentation:

What the Error Means

The error message “You exceeded your current quota, please check your plan and billing details” often occurs when an account has either:

• Hit the overall monthly usage limit (or exhausted available prepaid credits), or
• Reached the rate limit for requests (though in your case, you mention your TPM, RPM, and RPD are all well below limits).

Since you’re a long-time paid user and you’re well below typical usage thresholds, it’s likely that your account has been switched to a prepaid model with a credit-based system rather than a post-paid monthly charge.

Steps to Resolve

1. Check Your Account Usage and Limits

   • Visit your usage page (e.g., /settings/organization/usage) and limits page (e.g., /settings/organization/limits) to verify your current consumption versus available quota.

2. Review Your Billing and Plan Details

   • Confirm whether the billing model has changed. With a prepaid system, you need to add funds to cover further usage.
   • Verify the minimum increment for payments if there’s a cap (e.g., $50 increments).

3. Consult with Your Organization Owner

   • If you share your organization with others, ensure that the overall usage budget or credit quota isn’t being exceeded by your team’s combined usage.

4. Contact Support If Needed

   • If everything appears in order on your account but you’re still facing issues, getting in touch with OpenAI support might help clarify the situation or confirm whether an account migration to prepaid billing has occurred.

Final Thoughts

The situation you’re describing—especially with the mention of needing to prepay and being limited by the $50 transaction cap—suggests that there may have been a recent update or change in billing practices. While documentation outlines usage quota errors and rate limit issues, the specifics regarding billing transitions like this are best addressed by checking your account details and contacting OpenAI support for clarification.

I hope this helps pinpoint the issue and guides you towards a resolution!