diff --git a/index.js b/index.js
index 889e703..b006f51 100644
--- a/index.js
+++ b/index.js
@@ -38,6 +38,14 @@ require('fs').mkdirSync(UPLOADS_DIR, { recursive: true });
 app.use('/uploads', express.static(UPLOADS_DIR, { maxAge: '7d', immutable: true }));
 
 
+// Публичные роуты (без auth)
+app.get('/api/billing/plans', async (req, res) => {
+  const { query: q } = require('./src/config/db');
+  const { rows: plans } = await q('SELECT * FROM plans WHERE is_active=true ORDER BY sort_order');
+  const { rows: costs } = await q('SELECT * FROM credit_costs ORDER BY operation');
+  res.json({ plans, costs });
+});
+
 // Simple internal auth middleware
 app.use((req, res, next) => {
   const secret = req.headers['x-internal-secret'];
@@ -82,6 +90,7 @@ app.use('/api/channel-stats', channelStatsRoutes);
 app.use('/api/calendar', calendarRoutes);
 app.use('/api/metrics',  metricsRoutes);
 app.use('/api/usage',    usageRoutes);
+app.use('/api/billing', require('./src/routes/billing'));
 
 app.get('/health', (req, res) => {
   res.json({ ok: true, service: 'zeropost-engine', time: new Date() });
diff --git a/src/routes/billing.js b/src/routes/billing.js
new file mode 100644
index 0000000..87acd78
--- /dev/null
+++ b/src/routes/billing.js
@@ -0,0 +1,82 @@
+const express = require('express');
+const router  = express.Router();
+const billing = require('../services/billing');
+const { query } = require('../config/db');
+
+function uid(req) { return req.headers['x-user-id'] ? parseInt(req.headers['x-user-id']) : null; }
+
+// GET /api/billing/balance — баланс + план текущего юзера
+router.get('/balance', async (req, res) => {
+  const userId = uid(req);
+  if (!userId) return res.status(401).json({ error: 'x-user-id required' });
+  try {
+    await billing.ensureBalance(userId);
+    const bal = await billing.getBalance(userId);
+    res.json(bal);
+  } catch (err) { res.status(500).json({ error: err.message }); }
+});
+
+// GET /api/billing/transactions — история транзакций
+router.get('/transactions', async (req, res) => {
+  const userId = uid(req);
+  if (!userId) return res.status(401).json({ error: 'x-user-id required' });
+  const limit  = Math.min(parseInt(req.query.limit  || 50), 200);
+  const offset = parseInt(req.query.offset || 0);
+  try {
+    const txs = await billing.getTransactions(userId, { limit, offset });
+    const { rows: [{ total }] } = await query(
+      'SELECT count(*)::int as total FROM user_transactions WHERE user_id=$1', [userId]
+    );
+    res.json({ transactions: txs, total, limit, offset });
+  } catch (err) { res.status(500).json({ error: err.message }); }
+});
+
+// GET /api/billing/plans — все тарифы (публичный)
+router.get('/plans', async (req, res) => {
+  try {
+    const { rows } = await query(
+      'SELECT * FROM plans WHERE is_active=true ORDER BY sort_order'
+    );
+    const { rows: costs } = await query('SELECT * FROM credit_costs ORDER BY operation');
+    res.json({ plans: rows, costs });
+  } catch (err) { res.status(500).json({ error: err.message }); }
+});
+
+// POST /api/billing/admin/credit — начислить кредиты вручную (только admin)
+router.post('/admin/credit', async (req, res) => {
+  const adminId = uid(req);
+  if (!adminId) return res.status(401).json({ error: 'x-user-id required' });
+  const { rows: [admin] } = await query('SELECT is_admin FROM users WHERE id=$1', [adminId]);
+  if (!admin?.is_admin) return res.status(403).json({ error: 'Forbidden' });
+
+  const { user_id, amount, description = 'Ручное начисление от администратора' } = req.body;
+  if (!user_id || !amount) return res.status(400).json({ error: 'user_id и amount обязательны' });
+  try {
+    const result = await billing.credit(user_id, amount, 'bonus', description, { by_admin: adminId });
+    res.json(result);
+  } catch (err) { res.status(500).json({ error: err.message }); }
+});
+
+// GET /api/billing/admin/users — балансы всех пользователей (только admin)
+router.get('/admin/users', async (req, res) => {
+  const adminId = uid(req);
+  if (!adminId) return res.status(401).json({ error: 'x-user-id required' });
+  const { rows: [admin] } = await query('SELECT is_admin FROM users WHERE id=$1', [adminId]);
+  if (!admin?.is_admin) return res.status(403).json({ error: 'Forbidden' });
+  try {
+    const { rows } = await query(`
+      SELECT u.id, u.email, u.name,
+             ub.credits, ub.reset_at,
+             p.name as plan_name, p.code as plan_code, p.price_rub
+      FROM users u
+      LEFT JOIN user_balance ub ON ub.user_id = u.id
+      LEFT JOIN user_subscriptions us ON us.user_id = u.id
+        AND us.status='active' AND (us.expires_at IS NULL OR us.expires_at > NOW())
+      LEFT JOIN plans p ON p.id = us.plan_id
+      ORDER BY u.created_at DESC
+    `);
+    res.json(rows);
+  } catch (err) { res.status(500).json({ error: err.message }); }
+});
+
+module.exports = router;
diff --git a/src/routes/generate.js b/src/routes/generate.js
index 0fb1e11..22ae705 100644
--- a/src/routes/generate.js
+++ b/src/routes/generate.js
@@ -3,18 +3,33 @@ const router = express.Router();
 const { query } = require('../config/db');
 const channelsSvc = require('../services/channels');
 const generationQueue = require('../workers/generation');
+const billing = require('../services/billing');
+
+// Маппинг type → billing operation
+const BILLING_OP = { post: 'text_post', article: 'article', topics: null };
 
 // POST /api/generate — создать задачу генерации
 router.post('/', async (req, res) => {
   try {
     const { type, topic, channelId, rubric, keywords = [], useCritique = true, customPrompt } = req.body;
-    const userId = req.headers['x-user-id'] || null;
+    const userId = req.headers['x-user-id'] ? parseInt(req.headers['x-user-id']) : null;
 
     if (!type) return res.status(400).json({ error: 'type is required' });
     if (!['post', 'article', 'topics'].includes(type)) return res.status(400).json({ error: 'Invalid type' });
     if (type !== 'topics' && !topic) return res.status(400).json({ error: 'topic is required' });
     if (type === 'post' && !channelId) return res.status(400).json({ error: 'channelId is required for posts' });
 
+    // Проверка и списание кредитов
+    const billingOp = BILLING_OP[type];
+    let billingResult = null;
+    if (userId && billingOp) {
+      const ck = await billing.check(userId, billingOp);
+      if (!ck.allowed) {
+        return res.status(402).json({ error: ck.reason, code: 'INSUFFICIENT_CREDITS', credits: ck.credits, cost: ck.cost });
+      }
+      billingResult = await billing.spend(userId, billingOp, { channel_id: channelId });
+    }
+
     const { rows } = await query(
       `INSERT INTO generation_jobs (user_id, channel_id, type, topic, rubric, status)
        VALUES ($1,$2,$3,$4,$5,'pending') RETURNING id`,
@@ -24,7 +39,7 @@ router.post('/', async (req, res) => {
 
     await generationQueue.add({ jobId, type, topic, channelId, rubric, keywords, useCritique, customPrompt });
 
-    res.json({ jobId, status: 'pending' });
+    res.json({ jobId, status: 'pending', credits_after: billingResult?.credits_after ?? null, cost: billingResult?.cost ?? 0 });
   } catch (err) {
     console.error('[Route] POST /generate', err);
     res.status(500).json({ error: err.message });
@@ -72,9 +87,17 @@ router.post('/post-image', async (req, res) => {
     const channel = await channelsSvc.getChannel(channelId, userId);
     if (!channel) return res.status(404).json({ error: 'Channel not found' });
 
+    // Списываем кредиты за картинку
+    let imgBilling = null;
+    if (userId) {
+      const ck = await billing.check(userId, 'image');
+      if (!ck.allowed) return res.status(402).json({ error: ck.reason, code: 'INSUFFICIENT_CREDITS', credits: ck.credits, cost: ck.cost });
+      imgBilling = await billing.spend(userId, 'image', { channel_id: channelId });
+    }
+
     const { generatePostImage } = require('../services/postImages');
     const result = await generatePostImage({ post, channel, style: channel.style || {} });
-    res.json(result);
+    res.json({ ...result, credits_after: imgBilling?.credits_after ?? null, cost: imgBilling?.cost ?? 0 });
   } catch (err) {
     console.error('[Route] POST /post-image', err);
     res.status(500).json({ error: err.message });
diff --git a/src/services/billing.js b/src/services/billing.js
new file mode 100644
index 0000000..72cbf16
--- /dev/null
+++ b/src/services/billing.js
@@ -0,0 +1,214 @@
+/**
+ * billing.js — сервис управления кредитами пользователей.
+ *
+ * Правила:
+ *  • Business план (credits_month = -1) — безлимит, списания не блокируются.
+ *  • При нулевом балансе блокируем ВСЁ (image, text_post, article).
+ *  • autopublish всегда бесплатен (0 кредитов).
+ */
+const { query } = require('../config/db');
+
+// Стоимость операции из credit_costs (кешируем в памяти, перезагружаем каждые 5 мин)
+let _costs = null;
+let _costsLoadedAt = 0;
+async function getCosts() {
+  if (_costs && Date.now() - _costsLoadedAt < 5 * 60 * 1000) return _costs;
+  const { rows } = await query('SELECT operation, credits FROM credit_costs');
+  _costs = Object.fromEntries(rows.map(r => [r.operation, r.credits]));
+  _costsLoadedAt = Date.now();
+  return _costs;
+}
+
+/**
+ * Получить баланс пользователя с планом.
+ */
+async function getBalance(userId) {
+  const { rows } = await query(`
+    SELECT ub.credits, ub.credits_monthly_reset, ub.reset_at,
+           p.code as plan_code, p.name as plan_name,
+           p.credits_month, p.channels_max, p.price_rub
+    FROM user_balance ub
+    LEFT JOIN user_subscriptions us ON us.user_id = ub.user_id
+      AND us.status = 'active' AND (us.expires_at IS NULL OR us.expires_at > NOW())
+    LEFT JOIN plans p ON p.id = us.plan_id
+    WHERE ub.user_id = $1
+    ORDER BY p.price_rub DESC NULLS LAST
+    LIMIT 1
+  `, [userId]);
+
+  if (!rows.length) {
+    // Новый пользователь — создаём с Free планом
+    await ensureBalance(userId);
+    return getBalance(userId);
+  }
+
+  const row = rows[0];
+  const isUnlimited = row.credits_month === -1;
+  return {
+    credits:       isUnlimited ? Infinity : row.credits,
+    plan:          row.plan_code || 'free',
+    planName:      row.plan_name || 'Free',
+    isUnlimited,
+    channelsMax:   row.channels_max || 1,
+    resetAt:       row.reset_at,
+  };
+}
+
+/**
+ * Убедиться что баланс существует. Новым — Free план + 50 кредитов.
+ */
+async function ensureBalance(userId) {
+  await query(`
+    INSERT INTO user_balance (user_id, credits, credits_monthly_reset, reset_at)
+    VALUES ($1, 50, 50, NOW() + INTERVAL '30 days')
+    ON CONFLICT (user_id) DO NOTHING
+  `, [userId]);
+}
+
+/**
+ * Проверить можно ли выполнить операцию (не списывает).
+ * Возвращает { allowed: bool, credits: int, cost: int, reason?: string }
+ */
+async function check(userId, operation) {
+  const costs = await getCosts();
+  const cost = costs[operation] ?? 0;
+
+  if (cost === 0) return { allowed: true, credits: 0, cost: 0 };
+
+  const bal = await getBalance(userId);
+  if (bal.isUnlimited) return { allowed: true, credits: Infinity, cost };
+
+  if (bal.credits < cost) {
+    return {
+      allowed: false,
+      credits: bal.credits,
+      cost,
+      reason: `Недостаточно кредитов: нужно ${cost}, есть ${bal.credits}`,
+    };
+  }
+  return { allowed: true, credits: bal.credits, cost };
+}
+
+/**
+ * Списать кредиты за операцию.
+ * Возвращает { ok: bool, credits_after: int, cost: int } или бросает при нехватке.
+ */
+async function spend(userId, operation, meta = {}) {
+  const costs = await getCosts();
+  const cost = costs[operation] ?? 0;
+  if (cost === 0) return { ok: true, credits_after: null, cost: 0 };
+
+  const bal = await getBalance(userId);
+  if (bal.isUnlimited) {
+    // Пишем транзакцию но не уменьшаем баланс
+    await query(`
+      INSERT INTO user_transactions (user_id, type, amount, balance_after, description, meta)
+      VALUES ($1, $2, $3, -1, $4, $5)
+    `, [userId, `spend_${operation}`, -cost, descriptionFor(operation, meta), JSON.stringify(meta)]);
+    return { ok: true, credits_after: Infinity, cost };
+  }
+
+  // Атомарное списание
+  const { rows } = await query(`
+    UPDATE user_balance
+    SET credits = credits - $2, updated_at = NOW()
+    WHERE user_id = $1 AND credits >= $2
+    RETURNING credits
+  `, [userId, cost]);
+
+  if (!rows.length) {
+    const cur = await getBalance(userId);
+    throw Object.assign(new Error(`Недостаточно кредитов: нужно ${cost}, есть ${cur.credits}`), {
+      code: 'INSUFFICIENT_CREDITS', needed: cost, have: cur.credits,
+    });
+  }
+
+  const balanceAfter = rows[0].credits;
+  await query(`
+    INSERT INTO user_transactions (user_id, type, amount, balance_after, description, meta)
+    VALUES ($1, $2, $3, $4, $5, $6)
+  `, [userId, `spend_${operation}`, -cost, balanceAfter, descriptionFor(operation, meta), JSON.stringify(meta)]);
+
+  return { ok: true, credits_after: balanceAfter, cost };
+}
+
+/**
+ * Начислить кредиты (пополнение, бонус, план).
+ */
+async function credit(userId, amount, type = 'topup', description = '', meta = {}) {
+  await ensureBalance(userId);
+  const { rows } = await query(`
+    UPDATE user_balance
+    SET credits = credits + $2, updated_at = NOW()
+    WHERE user_id = $1
+    RETURNING credits
+  `, [userId, amount]);
+
+  const balanceAfter = rows[0].credits;
+  await query(`
+    INSERT INTO user_transactions (user_id, type, amount, balance_after, description, meta)
+    VALUES ($1, $2, $3, $4, $5, $6)
+  `, [userId, type, amount, balanceAfter, description, JSON.stringify(meta)]);
+
+  return { credits_after: balanceAfter };
+}
+
+/**
+ * Ежемесячный сброс кредитов по тарифу.
+ * Вызывается cron-джобом раз в сутки — начисляет тем, у кого reset_at прошёл.
+ */
+async function processMonthlyResets() {
+  const { rows } = await query(`
+    SELECT ub.user_id, ub.credits_monthly_reset, p.credits_month, p.code as plan_code
+    FROM user_balance ub
+    JOIN user_subscriptions us ON us.user_id = ub.user_id
+      AND us.status = 'active' AND (us.expires_at IS NULL OR us.expires_at > NOW())
+    JOIN plans p ON p.id = us.plan_id
+    WHERE ub.reset_at <= NOW() AND p.credits_month > 0
+  `);
+
+  let processed = 0;
+  for (const row of rows) {
+    const newCredits = row.credits_month;
+    await query(`
+      UPDATE user_balance
+      SET credits = $2, credits_monthly_reset = $2,
+          reset_at = NOW() + INTERVAL '30 days', updated_at = NOW()
+      WHERE user_id = $1
+    `, [row.user_id, newCredits]);
+    await query(`
+      INSERT INTO user_transactions (user_id, type, amount, balance_after, description)
+      VALUES ($1, 'plan_credit', $2, $2, $3)
+    `, [row.user_id, newCredits, `Ежемесячное пополнение по тарифу ${row.plan_code}`]);
+    processed++;
+  }
+  return processed;
+}
+
+/**
+ * История транзакций пользователя.
+ */
+async function getTransactions(userId, { limit = 50, offset = 0 } = {}) {
+  const { rows } = await query(`
+    SELECT id, type, amount, balance_after, description, meta, created_at
+    FROM user_transactions
+    WHERE user_id = $1
+    ORDER BY created_at DESC
+    LIMIT $2 OFFSET $3
+  `, [userId, limit, offset]);
+  return rows;
+}
+
+function descriptionFor(operation, meta) {
+  const labels = {
+    image:     'Генерация картинки',
+    text_post: 'Генерация поста',
+    article:   'Генерация статьи',
+  };
+  const base = labels[operation] || operation;
+  if (meta.channel_name) return `${base} — ${meta.channel_name}`;
+  if (meta.channel_id)   return `${base} — канал #${meta.channel_id}`;
+  return base;
+}
+
+module.exports = { getBalance, check, spend, credit, ensureBalance, getTransactions, processMonthlyResets };