High severity beginner · Fix: 2-5 min

InsufficientCreditsError

together_ai.errors.InsufficientCreditsError

What this error means
Together AI throws InsufficientCreditsError when your account lacks enough credits to process the requested API call.

Stack trace

traceback
together_ai.errors.InsufficientCreditsError: Insufficient credits available to complete the request. Please top up your account or reduce usage.
QUICK FIX
Top up your Together AI account credits immediately or reduce API call frequency to avoid this error.

Why it happens

Together AI enforces credit-based usage limits. When your account balance is too low to cover the cost of the API call, the SDK raises InsufficientCreditsError to prevent overuse. This protects both the user and the service from unexpected charges or abuse.

Detection

Monitor API responses for InsufficientCreditsError exceptions and log account credit balances regularly to detect low credit states before calls fail.

Causes & fixes

1

Account credit balance is zero or below the required amount for the requested API call.

✓ Fix

Add credits to your Together AI account via the dashboard or billing portal to restore API access.

2

Incorrect or missing API key causing the system to treat the request as unauthorized or unpaid.

✓ Fix

Verify that your API key is correctly set in the environment variable and passed to the Together AI client.

3

Excessive API usage exceeding your current credit limit within a billing period.

✓ Fix

Implement usage throttling or upgrade your plan to increase your credit limit.

Code: broken vs fixed

Broken - triggers the error
python
import os
from together_ai import TogetherAIClient

client = TogetherAIClient(api_key=os.environ['TOGETHER_API_KEY'])
response = client.chat_completions.create(model='together-large', messages=[{'role':'user','content':'Hello'}])  # Raises InsufficientCreditsError here
Fixed - works correctly
python
import os
from together_ai import TogetherAIClient, InsufficientCreditsError

client = TogetherAIClient(api_key=os.environ['TOGETHER_API_KEY'])
try:
    response = client.chat_completions.create(model='together-large', messages=[{'role':'user','content':'Hello'}])
    print(response)
except InsufficientCreditsError:
    print('Error: Insufficient credits. Please top up your Together AI account.')  # Added error handling for insufficient credits
Added try/except block to catch InsufficientCreditsError and provide a clear message prompting credit top-up.

Workaround

Catch InsufficientCreditsError in your code and queue or delay requests until credits are replenished to avoid immediate failure.

Prevention

Implement credit balance monitoring and usage limits in your application to proactively manage credit consumption and avoid hitting zero balance.

Python 3.9+ · together-ai >=1.0.0 · tested on 1.2.0
Verified 2026-04
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