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Plans and credit belong to workspaces. A person’s own account is never charged; see Plans and credit for how it works. Read the plan and limits that apply to the signed-in person in the current workspace:
The response describes the plan and credit of whoever pays in the current workspace: the workspace’s plan when it has one, otherwise the free allowance. Paid-only features (web search, the browser, computers, Overlay Cloud agents, scheduled automations) refuse with an error whose code explains why, for example paid_plan_required. Buying a plan, top-ups, automatic top-ups and invoices happen in the app under Settings → Workspace → Billing, through Stripe Checkout and the Stripe customer portal. They are not part of the public API. Self-hosted deployments without billing set billing.provider to none and capabilities.billing to false; every workspace then has the features its deployment enables, without credit.