TIO語音精靈

• 新帳戶預設預付制；開通付費層＝綁計費帳戶＋至少預付 US$5（或等值當地幣）；預付餘額上限 US$5,000；新制 2026-03-23 生效。過渡期新帳戶可能先被指派後付、之後再切預付（官方用語是 might be required），實際以帳戶設定畫面為準 官方
  官方原文

  Upgrading from the Free Tier to the Paid Tier means linking a billing account and prepaying to add a minimum of $5 (or equivalent in other currencies) of credits to your account. … The minimum purchase is $5. The maximum amount of credits you can prepay for is $5,000. … New users default to the Prepay billing plan.
• 預付點數自購買日起 12 個月到期，到期沒收、不可退款；官方同一頁另寫「切換成後付帳戶時例外」，但 FAQ 又說不支援從預付切到後付，兩處互相矛盾，實務上請當成不可退款 官方
  官方原文

  After credits are purchased, unused credits expire after 12 months and are non-refundable, except after switching to a Postpay account. … Purchased credits expire after 1 year. After expiration, credits are forfeited and can't be retrieved. … Can I switch from Prepay to Postpay billing? No, switching from a Prepay billing plan to a Postpay billing plan is not supported.
• Tier 1 每月 US$250 是「用量上限（spend cap）」：以計費帳戶為單位加總所有專案當月花費，達到即暫停所有掛該帳戶的專案，下月 1 日恢復；可填表申請提高。它不是費用、不是要先儲的錢、與儲值金額無關 官方
  官方原文

  Each tier has a maximum monthly spend limit: … Tier 1 | $250 … Monthly usage caps are enforced for the Gemini API at the billing account level. … Total spend is aggregated across all linked projects that have the Gemini API service enabled. After the cumulative account total reaches the tier limit, service is paused for all projects linked to that billing account until the start of the next billing cycle (the 1st of each month).
• 另有滾動 10 分鐘窗口的花費速率限制：Tier 1 每 10 分鐘 US$10，超過回 429；是否套用取決於帳戶付款紀錄與狀態，不是每個帳戶都必然適用 官方
  官方原文

  These limits are evaluated on a rolling 10-minute window. … Whether these limits apply to your account depends on your billing history and account standing. … Tier 1 | $10
• Tier 升級自動、免申請：Tier 1＝綁有效計費帳戶（上限 US$250）；Tier 2＝累計付款 US$100＋首次成功付款滿 3 天（US$2,000）；Tier 3＝累計 US$1,000＋30 天（US$20,000–100,000+）。累計金額算該計費帳戶在所有 Google Cloud 服務的花費；Free→Tier 1 通常立即生效，其後約 10 分鐘內；官方保留少數情況拒絕升級的權利 官方
  官方原文

  Tier 1 | Set up and link an active billing account | $250 ／ Tier 2 | Paid $100 + 3 days from first successful payment | $2,000 ／ Tier 3 | Paid $1,000 + 30 days from first successful payment | $20,000 - $100,000+ … The qualifications for Tiers 2 and 3 are based on the total cumulative spending on Google Cloud services (including, but not limited to, the Gemini API) … Tier upgrades from the Free to Tier 1 will typically take effect instantly, and subsequent tier upgrades will take effect within 10 minutes.
• 預付餘額歸零→同計費帳戶所有專案所有金鑰同時停；不自動降免費層；約 10 分鐘計費延遲可能超扣成負數並從下次購買扣除；可設自動儲值與每月自動儲值上限；同帳戶其他 Google Cloud 服務欠費或卡片失效也會停 Gemini API 官方
  官方原文

  When your Prepay credit balance on the billing account hits $0, all API keys in all projects linked to that billing account will stop working simultaneously. … Your projects aren't automatically downgraded to the Free Tier. … Prepay billing is subject to overages during the approximately 10 minute billing pipeline latency.
• 沒有月費、年約：全部按用量計（輸入／輸出／快取 token、快取儲存時間，另有 Grounding 等按用量項目），定價頁自述 prepaid then pay-as-you-go；400／500 失敗請求不計費。門檻是每次儲值最少 US$5，12 個月內沒用完會被沒收 官方
  官方原文

  What am I billed for? Gemini API pricing is based on the following: - Input token count - Output token count - Cached token count - Cached token storage duration ／ Start building free of charge with generous limits, then scale up with prepaid then pay-as-you-go pricing ／ If your request fails with a 400 or 500 error, you won't be charged for the tokens used.
• 台灣可開付費層（18 歲以上）；台灣帳戶以 TWD 計價、只能用信用卡／簽帳金融卡（無銀行帳戶選項）；最低預付金額由設定畫面依地區顯示 官方
  官方原文

  Taiwan | TWD | credit/debit card ／ the UI will provide the minimum pre-purchase amount that is required for your region and tier level
• 「Invoiced（Offline）帳戶」是須向 Google 申請核准、以支票或匯款付款的月結型帳戶，這類帳戶不能用預付制、也沒有用量上限；一般刷卡開的自助（Self-serve／Online）帳戶可以預付、有用量上限，且會產生對帳單、收據與稅務發票。與台灣「開發票」無關 官方
  官方原文

  The documents generated for self-serve accounts include statements, payment receipts, and tax invoices. ／ Payment instrument can be check or wire transfer… You must be eligible for invoiced billing ／ Note that Prepay is not available for Invoiced (or Offline) accounts. … spend caps are not available for Invoiced (or Offline) accounts.
• 2026-03-02 之後開的帳戶，Google Cloud US$300 歡迎額度不能用於 Gemini API／AI Studio；有預付餘額後，符合資格的其他 Google Cloud 促銷點數（不含 US$300）會先於預付餘額被消耗 官方
  官方原文

  If you opened your account after March 2, 2026, you can't use these credits to pay for Gemini API and AI Studio usage … starting March 2026, Gemini API usage costs are specifically excluded from the $300 Google Cloud Free Trial program.
• 付費層資料處理（中性描述）：不用提示與回應改進產品；依 Google 為資料處理者的 DPA 處理；為偵測濫用短期記錄提示與回應；資料可能在 Google 或其代理商設有設施的任何國家暫存或快取。條款只在免費層明寫人工審閱者可能讀取，付費層未提及，也未明文承諾「無人工審閱」 官方
  官方原文

  When you use Paid Services, including, for example, the paid quota of the Gemini API, Google doesn't use your prompts … or responses to improve our products, and will process your prompts and responses in accordance with the Data Processing Addendum for Products Where Google is a Data Processor. For Paid Services, Google logs prompts and responses for a limited period of time, solely for detecting and preventing violations of the Prohibited Use Policy … This data may be stored transiently or cached in any country in which Google or its agents maintain facilities.
• 台灣帳單地址的 Gemini API 付費服務，簽約主體是 Google Asia Pacific Pte. Ltd.（新加坡）；資料暫存地點見上一條服務條款 官方
  官方原文

  APAC except Australia, India, Indonesia, Japan, New Zealand, and South Korea … Google Asia Pacific Pte. Ltd.
• 官方混合估價：Gemini 3.5 Transcribe ≈ US$0.005／分（≈US$0.30／小時）；Transcribe Live ≈ US$0.009／分（≈US$0.54／小時）；前提是 25 audio tokens／秒、175 text tokens／分。TIO 的影音檔轉逐字稿要跑兩趟 Transcribe（繁中＋講者分離），加上 gemini-3.5-flash 對齊呼叫，本頁用每小時約 NT$20（估算） 官方
  官方原文

  Gemini 3.5 Transcribe … Input price | $2.00 or $0.003/min (audio) | Output price | $12.00 or $0.002/min (text) … effective blended rate of ~$0.005 per min for Transcribe. ／ Gemini 3.5 Transcribe Live … $3.50 or $0.005/min (audio) … $21.00 or $0.004/min (text) … effective blended rate of ~$0.009 per min for Live Transcribe.

引用版本日期（皆 UTC）：billing 2026-09-03、rate-limits 2026-09-02、pricing 2026-09-16、terms 2026-04-28（Effective 2026-03-23）、available-regions 2026-04-28、Cloud Billing currency 2026-09-16；查詢日 2026-09-19（UTC+8）。全部取自官方文件的原始 markdown 版（網址加 .md.txt）。定價頁 2026-10-03 再核對，本頁用到的模型單價沒有變動。