60‑second decision quickstart
- Pick Default (App‑scoped) if you want funds to land in your Stripe or custom rails, need tight control over refunds, and can connect your own model provider (BYOK).
- Pick Shared (Cross‑app) if you want a built‑in model provider (powered by OpenRouter) with no setup, users to top up once and spend across apps, and built‑in revenue split that preserves your margin.
Comparison
Use this if…
- Default: You need direct cash flow to your Stripe, custom pricing per model you contract directly, or B2B control (credits, invoices, refunds) under your policies.
- Shared: You want a low‑friction launch, cross‑app user wallets, and automatic provider settlement that preserves your configured margin.
Avoid if…
- Default: You don’t want to manage a provider relationship or payments yourself.
- Shared: You need per‑customer invoice workflows under your own merchant account.
After you choose
- Default: Connect a model provider (BYOK) and paste a restricted Stripe key or implement your own rails.
- Shared: (Optional) connect your own model provider (BYOK) or use the built‑in provider with no setup.
Next steps
- See Connect Stripe for Default mode payments setup.
- See BYOK vs built‑in provider for provider options in both modes.
- See Shared mode for details on how Shared mode works.