The Surge in Credit-Based Pricing Across SaaS

In this episode of Mostly Growth, the number one podcast in product monetization, Kyle and CJ break down Figma’s new AI credit model and why investors sent the stock up 14%. They unpack hybrid seat + credit pricing, power-law usage, the fine print on overages, and what this means for SaaS monetization in the age of AI. Plus: Snapchat’s 25M paying subs and a cautionary overages tale.

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SPONSORS:

RightRev is an automated revenue recognition platform built for modern pricing models like usage-based pricing, bundles, and mid-cycle upgrades. RightRev lets companies scale monetization without slowing down close or compliance. For RevRec that keeps growth moving, visit https://www.rightrev.com

Tropic is an intelligent spend management solution that consolidates your spend data and processes into one unified offering, enabling insights and decisive action. From spotting hidden optimization opportunities to automating painful procurement workflows and giving you the best market data to turn vendor negotiations in your favor, Tropic combines smart insights with real human expertise to keep you ahead of the curve. Visit https://www.tropicapp.io/mostlymetrics to learn how.

HockeyStack is an AI platform for modern go-to-market teams that unifies sales, marketing, and customer data into a single system of action. With AI agents that prospect accounts, support reps, improve forecasting, and automate what’s already working, HockeyStack helps teams move faster without guessing. Trusted by companies like RingCentral, Outreach, ActiveCampaign, and Fortune 100 teams—learn more at https://www.hockeystack.com

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LINKS: 

Mostly Metrics: https://www.mostlymetrics.com

CJ on LinkedIn: https://www.linkedin.com/in/cj-gustafson-13140948/

Growth Unhinged: https://www.growthunhinged.com/

Kyle on LinkedIn: https://www.linkedin.com/in/kyle-poyar/

Slacker Stuff: https://www.slackerstuff.com/

Ben on LinkedIn: https://www.linkedin.com/in/slackerstuff/

https://www.reuters.com/business/figma-jumps-ai-push-boosts-software-design-spending-2026-02-19/

https://help.figma.com/hc/en-us/articles/33459875669015-How-AI-credits-work

https://www.saastr.com/salesforce-now-has-3-pricing-models-for-agentforce-and-maybe-right-now-thats-the-way-to-do-it/

https://www.growthunhinged.com/p/2025-state-of-saas-pricing-changes

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RELATED EPISODES:

SaaS Is Dead? The Market Thinks So.

https://youtu.be/VMLuuaob1ZM

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TIMESTAMPS:

Podcast:

0:00 Wrong side of the bed

1:51 Investors reward monetization

4:36 Power users drive credits

5:10 Credit models surge in SaaS

7:25 Usage layered onto seats

9:08 Figma vs vibe coding

10:10 Sponsors — RightRev | Tropic | HockeyStack

13:51 What a credit costs

16:07 AI efficiency vs seat risk

19:17 Use-it-or-lose-it credits

20:53 Credit model fatigue

22:13 Salesforce’s AI pricing evolution

23:36 No single “best” pricing model

24:29 Late but polished AI rollout

25:42 Monetizing power users

27:05 Snapchat’s surprise subscription scale

#MostlyGrowthPodcast #AIPricing #UsageBasedPricing #SaaSMonetization #ProductLedGrowth