Credits are drawn down by capacity pack (about $200/month per 25,000 credits) or pay-as-you-go through Azure (about $0.01/credit). A scripted answer costs roughly 1 credit, a generative answer roughly 2, a tenant-data lookup roughly 10, and an autonomous agent action 25 or more. Credits bill separately from the $30/user/month Microsoft 365 Copilot seat license that grants access to build agents in Copilot Studio.