Arcads MCP out of credits vs Sume 402 insufficient_credits
Arcads says generation fails without credits. Sume answers 402 insufficient_credits before provider work, and an MCP agent can preview cost with dry_run first.
The Arcads MCP article says that without an active subscription, or after you run out of credits, generation requests will fail. On Sume the failure is a specific error: 402 with code insufficient_credits, returned at submit time. An agent can check first with dry_run=true, which previews admission and cost without submitting the job.
Arcads facts are from its MCP help article (June 26, 2026); Sume facts from Errors and rate limits and MCP tools and gates, read 2026-10-01.
What exactly does Sume return when the balance is short?
Status 402, code insufficient_credits: the balance is not sufficient for the requested generation. The admission docs say the submit fails before provider work starts. Error bodies carry a request id that is safe to share with support.
How can an agent check before it submits?
| Gate | Meaning |
|---|---|
idempotency_key | Required on write and paid tools |
dry_run=true | Optional; admission and cost preview only, the job is not submitted |
max_spend_usd | Optional; enforced only when provided |
Will a top-up fix a queue or concurrency error?
No. The admission docs say prepaid top-ups do not raise the processing concurrency limit, which is plan-only. A 429 queue_full is a different error from 402.
What should I do when I get a 402?
The admission docs list the fixes as upgrading the plan, waiting for included Gen$, or submitting a cheaper request. See insufficient credits 402 for the fix path.
Sources
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Written by Sume