The agreement reserves the right to expire unused Credits 365 days after purchase. An optional Auto Recharge feature automatically charges the user's payment method when their Credit balance falls below a user-defined threshold; this feature can be cancelled at any time through the account page.
This analysis describes what OpenRouter's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision establishes that pre-paid Credits have a finite shelf life of 365 days, which creates a financial forfeiture risk for infrequent users who accumulate credits. The Auto Recharge authorization, once enabled, permits recurring automated charges to the user's payment method until explicitly cancelled.
Two separate provisions (Credit Expiration and Auto-Recharge Recurring Payment Authorization) were consolidated into a single combined provision.
View full change record →Under this clause, unused Credits expire 365 days after purchase. If Auto Recharge is enabled, OpenRouter is authorized to automatically charge the user's designated payment method whenever the account balance falls below the user-set threshold; this authorization remains active until the user cancels it through the account page.
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"OpenRouter reserves the right to expire unused credits three hundred sixty-five (365) days after purchase. When purchasing Credits, you will have the option to automatically add Credits to your account by charging the payment method of your choosing when your available Credits are below a threshold amount you have set on your account ("Auto Recharge"). If you elect the Auto Recharge option, you authorize OpenRouter to automatically charge payments to your account. You may update or cancel Auto Recharge at any time through your account page.— Excerpt from OpenRouter's OpenRouter Terms of Service
1) REGULATORY LANDSCAPE: The Auto Recharge feature constitutes a recurring payment authorization and may engage applicable state automatic renewal laws, including California's Automatic Renewal Law, which imposes specific disclosure and cancellation requirements. The FTC's Negative Option Rule and related regulations may also apply to automatic payment features in digital services. Credit expiration provisions may interact with state unclaimed property or escheatment laws in certain jurisdictions. 2) GOVERNANCE EXPOSURE: Medium. The combination of automatic recurring charges and a 365-day credit expiration creates ongoing financial obligations for users who do not actively monitor their account. The terms authorize OpenRouter to charge the designated payment method automatically, which requires affirmative setup by the user but may result in unintended charges if threshold settings are not reviewed periodically. 3) JURISDICTION FLAGS: California's Automatic Renewal Law imposes disclosure, consent, and cancellation requirements for automatically renewing or charging subscriptions. Organizations operating in California should assess whether the Auto Recharge feature's disclosure and cancellation mechanism satisfies these requirements. Other states with automatic renewal statutes may also be relevant. 4) CONTRACT AND VENDOR IMPLICATIONS: Enterprise procurement teams should confirm that Auto Recharge settings are reviewed and appropriate thresholds are set to prevent unintended large charges. The 365-day expiration should be tracked for bulk credit purchases to avoid forfeiture of unused credits. 5) COMPLIANCE CONSIDERATIONS: Finance and accounts payable teams should monitor Auto Recharge configurations and credit expiration dates, particularly for organizational accounts where multiple administrators may have configured different thresholds.
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This provision establishes that pre-paid Credits have a finite shelf life of 365 days, which creates a financial forfeiture risk for infrequent users who accumulate credits. The Auto Recharge authorization, once enabled, permits recurring automated charges to the user's payment method until explicitly cancelled.
Under this clause, unused Credits expire 365 days after purchase. If Auto Recharge is enabled, OpenRouter is authorized to automatically charge the user's designated payment method whenever the account balance falls below the user-set threshold; this authorization remains active until the user cancels it through the account page.
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