Let customers prepay with credits

Customer buys credits -> Credits are added
Feature use           -> Credits are debited
Balance reaches zero  -> Access is blocked until they buy more
const checkout = await accend.checkout.createSession({
  mode: "credits",
  customerId: "cus_123",
  amount: "50.00",
  currency: "USDC"
});

const access = await accend.access.check({
  customerId: "cus_123",
  meterId: "meter_123",
  quantity: 1
});

if (!access.data.allowed && access.data.reason === "insufficient_credits") {
  return { error: "not_enough_credits", buyMoreUrl: access.data.paymentUrl };
}