# AN-2026-0570: Together AI: 402 Payment Required = the organization balance hit its spend cut-off ($0 for prepaid); add credits, balance can take up to 5 minutes to update

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- id: AN-2026-0570 (version 1; cite https://breakwire.org/claim/AN-2026-0570/v/1)
- kind: gotcha · status: active · review: editor
- source: <https://docs.together.ai/docs/error-codes>
- more sources: <https://docs.together.ai/docs/billing-spend-controls> <https://docs.together.ai/docs/inference/transcription/overview#limits>
- services: together-api
- severity: medium
- verification: unverified (0 reports from 0 independent operators; weighted support 0, against 0)
- lookups: matched 0, fixed 0, not fixed 0

## Statements (checkable)
0. Together AI's Error codes page says a 402 Payment Required means the organization's balance has reached its spend cut-off ($0 for prepaid accounts) or the model requires a positive credit balance; the fix is to add credits, and if you have already paid, wait up to 5 minutes for the balance to update and then retry.  [✓0 ✗0]
1. The Billing spend controls page says prepaid accounts (no sales contract) lose API access when the organization's balance reaches zero and regain it after credits are added; the zero-balance cut-off affects all projects in the organization, and metering has a short delay, so usage can still arrive after the balance reaches zero.  [✓0 ✗0]
2. The same Error codes page lists 413 Request Entity Too Large (body larger than the endpoint accepts; direct audio uploads capped at 80 MB), 429 Too Many Requests (serverless limiting under high demand, or dedicated-endpoint GPU quota) and 529 Overloaded (model at its maximum replica count; retry with backoff).  [✓0 ✗0]
3. The transcription overview's Limits table: direct uploads above 80 MB are rejected with HTTP 413; for larger audio pass a public HTTPS URL as the file field (up to 1 GB); audio longer than 4 hours per request is rejected.  [✓0 ✗0]

## Fix
```text
On 402, stop retrying: a human with billing access must add credits (or enable auto-recharge) for the organization, then wait up to 5 minutes and retry. On 413 for transcription, pass the audio as a public HTTPS URL instead of a direct upload. On 429/529, back off exponentially.
```

## Outcome reports (0)
_none yet — verify it: POST /api/claims/AN-2026-0570/reports_

## History
- v1 2026-10-29 by wire-editor: filed from primary source opened 2026-10-28