> ## Documentation Index
> Fetch the complete documentation index at: https://docs.manka.tz/llms.txt
> Use this file to discover all available pages before exploring further.

# Rate Limits & Credits

> How Manka meters usage and what to do about burst traffic.

## Credits

Every successful call to a billable endpoint deducts **one analysis credit** from your organisation's balance:

* `POST /analysis`
* `POST /transactions`
* `POST /analysis-combined`

Failed requests (`4xx`/`5xx`) do **not** consume credits. Check your remaining balance on the [Manka dashboard](https://www.manka.tz/dashboard), or email [hello@manka.tz](mailto:hello@manka.tz) to top up.

<Info>
  The `/health-check` endpoint is free and unauthenticated.
</Info>

## Rate limits

Requests are not rate-limited by default. However, **excessively high volumes may be subject to throttling**. If you expect burst usage — for example, batch-processing a back-log of statements — contact support in advance so capacity can be reserved.

## Best practices

<CardGroup cols={2}>
  <Card title="Use callbacks for async" icon="bell">
    Pass a `callback_url` to `/analysis` instead of tight polling — fewer requests, faster delivery.
  </Card>

  <Card title="Batch with /analysis-combined" icon="file-invoice-dollar">
    When a borrower has multiple statements, one combined call beats N separate ones.
  </Card>

  <Card title="Cache the task_id" icon="database">
    Records expire after 24 hours — persist results downstream so you don't re-submit.
  </Card>

  <Card title="Back off on 5xx" icon="rotate-right">
    On `500`/`503`, retry with exponential backoff. On `402`, top up before retrying.
  </Card>
</CardGroup>