Coinepay | How to Pay for Stability AI with a Coinepay Virtual Card

Stability AI offers several products, and paying for one does not give you credits for another. This guide explains how to prepare a Coinepay virtual card, choose between a Brand Studio subscription and Platform API credits, complete checkout, and investigate a declined payment.

Choose the Stability AI product you want to pay for

First, identify the product in your Stability AI account. Brand Studio, formerly called Dream Studio, has subscription tiers named Trial, Creator, Core, and Enterprise. Platform API uses separately purchased credits for model usage; its credits are not interchangeable with Brand Studio credits. Self-hosted Core Models have separate Community and Enterprise licensing rather than the Brand Studio checkout described here.

At the time of writing (October 2026), Stability AI’s Brand Studio help center lists Trial as free, Creator at US$19 per month, Core at US$50 per month, and Enterprise at custom pricing. Its Platform API pricing page lists 25 free starting credits and a credit price of US$0.01, with model-specific usage charges. Check the relevant official Stability AI pricing page and the amount displayed before you confirm: prices, taxes, and available options can depend on your account and location. If you are looking for Stable Audio, use its own pricing and checkout information rather than assuming Brand Studio plans apply.

Do not follow older Stable Assistant payment instructions. Stability AI sunset that product on October 1, 2026, so its former subscriptions are not a current sign-up option.

What you need before checkout

A Coinepay account ready for card use. Register with Coinepay and complete identity verification before using card services. You can manage your card through the Coinepay app or 24/7 self-service dashboard.
Your virtual card details. Coinepay provides a card number, expiry date, and CVV when it issues a virtual card. Have the details available in your account when you reach checkout.
Enough available funds. Review the total shown at checkout, including any displayed taxes, before trying to pay. If you are buying API credits, choose the amount you intend to use for the API, not for Brand Studio.
Your real account and billing information. Use an email address you can access and enter your genuine billing name and address as requested. Check the billing details associated with your card in Coinepay rather than entering an invented address.
An eligible location and account. Stability AI’s terms restrict access into US-embargoed countries or territories and to specified restricted parties. Coinepay also does not serve sanctioned persons or residents of jurisdictions under comprehensive sanctions. A virtual card does not change either service’s eligibility rules.

Coinepay card issuance and fund services are provided by licensed partner financial institutions. If you need to confirm a card detail or service availability before purchasing, check the Coinepay app or contact Coinepay support.

How to pay for a Brand Studio subscription

Create or open your Brand Studio account. Go to Stability AI’s official Brand Studio site and sign up or log in. Verify your email before your first generation, as Brand Studio requires.
Review the available plans. Brand Studio starts with a Trial option. Compare Creator, Core, and Enterprise against your intended use, and read the plan details displayed in your account. Monthly Brand Studio credit allowances do not roll over, and paid users can purchase top-ups.
Start an upgrade from your account. Select the paid option you want and review its checkout summary. Check the billing period, total, and any terms shown before entering payment details. The precise sequence of checkout screens can change.
Enter your Coinepay card details. Copy the card number, expiry date, and CVV from your Coinepay account. Supply your real billing information wherever the payment form requests it.
Complete any required verification and confirm. If checkout prompts you for an additional cardholder verification step, follow the instructions shown. Submit the payment only after checking the final amount, then look for confirmation in your Stability AI account or email.

Paid Stability AI subscriptions renew automatically until cancelled. Before subscribing, check the renewal terms and whether the plan fits the amount of generation you expect to do. Stability AI’s terms say payments are generally non-refundable except where required by law.

How to buy Platform API credits instead

For API use, sign in to the Stability AI Platform account associated with your API work. Open Billing to purchase additional credits, as directed by Stability AI’s API guidance. Check your existing balance on your account page, choose the credit purchase you need, and review the payment total before confirming. Enter your Coinepay virtual card details if the checkout offers a suitable card-payment option, using your real billing information and completing any requested verification.

API credits have model-specific usage charges, so estimate your needs from the current Platform API pricing information rather than the Brand Studio plan list. Stability AI says purchased Platform API credits are non-refundable and can be used only for the applicable service. Confirm that you are funding the right product before you pay.

What to check if the card is declined

A failed checkout does not, by itself, identify the cause. Read the message shown on the payment screen and check whether a charge or authorization appears in your Coinepay account before retrying. Avoid submitting the same payment repeatedly while its status is unclear.

Insufficient available balance

Compare the available funds shown in Coinepay with the full checkout total, not just the advertised plan price or API credit value. If the displayed total is higher than your available balance, add funds using an available option in your Coinepay account, then try again. Check your account if you are unsure whether an earlier attempt affected the available amount.

Billing details do not match

Re-enter the card number, expiry date, and CVV carefully. Check that the billing name and address supplied at checkout are your genuine details and match the information applicable to your Coinepay card. Do not substitute an address in another country to try to make a payment pass.

Cardholder verification was not completed

If checkout requests 3-D Secure or another verification step, follow the on-screen prompt and keep the checkout session open until it finishes. If the prompt does not appear, expires, or fails, check the Coinepay app for relevant information and contact support for help with the card. Coinepay support can help investigate your card; Stability AI support can help investigate its checkout.

Merchant or regional checks

Stability AI or its payment processor may apply eligibility and payment checks. Confirm that your account information and actual location meet Stability AI’s terms. If checkout states a restriction on your card type, issuing country, or billing country, take it at face value rather than changing details to get around it. Contact Coinepay support to confirm whether your card meets a stated card requirement before you buy, and contact Stability AI support about its account or regional requirements. Card acceptance for a particular checkout cannot be assumed.

Manage a subscription or payment afterward

After logging in to Brand Studio, use your avatar menu and Plans & Credits to review your subscription; Stability AI’s plans page also refers to the management area as Plans & Settings. To stop renewal, follow Cancel Subscription and review the confirmation. Stability AI says a Brand Studio cancellation takes effect at the end of the billing cycle: you can use remaining credits until then, and account access remains afterward. Cancellation generally does not result in a refund.

If you need help managing billing, payment methods, or plans, Stability AI’s subscription-management access uses the email supplied at checkout. Keep that email available when contacting its support. For a card transaction you do not recognize, check your Coinepay account and contact Coinepay support promptly. For an account, subscription, or API-credit question, contact Stability AI through its official support channels.

Get your Coinepay virtual card: Sign up · App Store · Google Play · Customer support

FAQ

Can I use Brand Studio credits for the Stability AI Platform API?

No. Brand Studio and Platform API credits are separate. Buy credits in the product you intend to use.

Where do I buy more Stability AI API credits?

Sign in to your Stability AI Platform account and open Billing. Review your balance and the purchase total before confirming.

Where can I cancel a Brand Studio subscription?

Log in, open your avatar menu, go to Plans & Credits, and select Cancel Subscription. Cancellation takes effect at the end of the billing cycle.

What should I do if Stability AI declines my Coinepay card?

Check your available funds, card details, real billing information, and any verification prompt. If checkout states a card or regional restriction, ask Coinepay support about the card requirement and Stability AI support about its checkout.

How to Pay for Stability AI with a Coinepay Virtual Card