Prepaid tokens are one provider's currency, priced against one rate card. Gateway credits are dollars that fund any model behind one key. Here is how to consolidate, read the balance card, and prove each call settled at real cost.
Guardrails, audit trails, budgets, evals, A/B tests and prompt management are on every nRouter plan. Plans change the platform fee and the rate limits, never the feature set — here is the reasoning, the crossover math, and what the bet costs us.
A gateway can take its cut two ways: silently, inside the per-token rate you can never decompose, or visibly, as a platform fee added at purchase. nRouter does the second, so every credit you buy is spendable at the provider's own settled cost.
If you resell AI, the model bill is the wrong unit. Attribute every call to the customer it served with the OpenAI user field, cap each customer independently, and reconcile the sum against your ledger to the cent.
Head-to-head: nRouter vs Cloudflare AI Gateway, on the axes that actually differ — an account-scoped endpoint, the cf-aig-* cache, Unified Billing's 5% credit fee and its 200-requests-per-60-seconds cap, and a per-account log pool. One base-URL switch, governance on every plan.
Head-to-head: nRouter vs Vercel AI Gateway on the axes that decide it — BYOK spend that budgets cannot cap, governance gated to Pro and Enterprise, OIDC auth that assumes a Vercel deployment, and what a zero-markup gateway costs you elsewhere. One base-URL switch.
Head-to-head: nRouter vs Helicone on the axes an observability-first product makes you choose — guardrails and evals starting at $79/mo, a one-month retention window on Pro, ingestion and API ceilings, and one seat on Hobby. Sourced against Helicone's own pricing page.
The two breakevens that decide which nRouter plan is the cheapest option on your invoice. Pro's flat fee is a strategy, not a discount — the volume that makes it sustainable funds the provider reservations that compound the next savings round.
A rebuilt savings model for a $40k/month LLM bill. Batch and prompt caching carry published rates; provider capacity reservations do not, so that lever is a labelled assumption with a stated range. Every line is separated into sourced and assumed.
Head-to-head comparison: nRouter vs OpenRouter, Portkey, Helicone. Guardrails, A/B tests, prompt management, evals, budgets — included on every plan. 4% pay-as-you-go, 0% on Pro. One base-URL switch.
Forwarding a request to a provider is a solved problem. Tenant isolation, credits that cannot go negative, guardrails on every call and one bill are not. That asymmetry decided what nRouter is — and what we refuse to ship.
