diff --git a/mcp/fake-upstream/src/index.ts b/mcp/fake-upstream/src/index.ts
index 23c5f22c68..be63bddf22 100644
--- a/mcp/fake-upstream/src/index.ts
+++ b/mcp/fake-upstream/src/index.ts
@@ -1,5 +1,6 @@
 import { Hono } from "hono";
 
+import { billingRoutes } from "./routes/billing";
 import { sessionRoutes } from "./routes/session";
 import { createStore, type FakeStore } from "./state";
 
@@ -16,6 +17,7 @@ export function createFakeUpstream(store: FakeStore = createStore()): Hono {
 
   app.get("/_status", (c) => c.json({ success: true, fake: true }));
   app.route("/", sessionRoutes(store));
+  app.route("/", billingRoutes(store));
 
   return app;
 }
diff --git a/mcp/fake-upstream/src/routes/billing.ts b/mcp/fake-upstream/src/routes/billing.ts
new file mode 100644
index 0000000000..8bc865743d
--- /dev/null
+++ b/mcp/fake-upstream/src/routes/billing.ts
@@ -0,0 +1,68 @@
+import { Hono } from "hono";
+
+import { currentUser } from "../session";
+import type { FakeStore } from "../state";
+
+/**
+ * Credits and subscription lookups — credits ported from `infra/fake-storyteller-web`
+ * (routes/billing.ts); the subscription route written from the spec, which that branch does
+ * not fake. Both are session-only upstream (cookie or `session` header), never API key.
+ */
+
+const NAMESPACES = new Set(["artcraft", "fakeyou"]);
+
+export function billingRoutes(store: FakeStore): Hono {
+  const app = new Hono();
+
+  app.get("/v1/credits/namespace/:namespace", (c) => {
+    const namespace = c.req.param("namespace");
+    if (!NAMESPACES.has(namespace)) {
+      return c.json(badInput(`unknown payments namespace: ${namespace}`), 400);
+    }
+    const user = currentUser(store, c.req.raw);
+    if (user === undefined) return c.json(NOT_AUTHORIZED, 401);
+    return c.json({
+      success: true,
+      free_credits: 0,
+      monthly_credits: user.monthlyCredits,
+      banked_credits: user.bankedCredits,
+      sum_total_credits: user.monthlyCredits + user.bankedCredits,
+    });
+  });
+
+  app.get("/v1/subscriptions/namespace/:namespace", (c) => {
+    const namespace = c.req.param("namespace");
+    if (!NAMESPACES.has(namespace)) {
+      return c.json(badInput(`unknown payments namespace: ${namespace}`), 400);
+    }
+    const user = currentUser(store, c.req.raw);
+    if (user === undefined) return c.json(NOT_AUTHORIZED, 401);
+    const subscription = user.subscription;
+    return c.json({
+      success: true,
+      active_subscription:
+        subscription === null
+          ? null
+          : {
+              subscription_token: subscription.subscriptionToken,
+              namespace,
+              product_slug: subscription.productSlug,
+              next_bill_at: subscription.nextBillAt,
+              subscription_end_at: null,
+            },
+    });
+  });
+
+  return app;
+}
+
+const NOT_AUTHORIZED = {
+  success: false,
+  error_code: 401,
+  error_code_str: "NotAuthorized",
+  message: "not authorized",
+};
+
+function badInput(message: string): Record<string, unknown> {
+  return { success: false, error_code: 400, error_code_str: "BadInput", message };
+}
diff --git a/mcp/fake-upstream/src/state.ts b/mcp/fake-upstream/src/state.ts
index 785790fce3..e6302fd135 100644
--- a/mcp/fake-upstream/src/state.ts
+++ b/mcp/fake-upstream/src/state.ts
@@ -4,12 +4,21 @@
  * isolate restarts, which is the point.
  */
 
+export interface FakeSubscription {
+  readonly subscriptionToken: string;
+  readonly productSlug: string;
+  readonly nextBillAt: string;
+}
+
 export interface FakeUser {
   readonly userToken: string;
   readonly username: string;
   readonly displayName: string;
   readonly email: string;
   readonly password: string;
+  readonly monthlyCredits: number;
+  readonly bankedCredits: number;
+  readonly subscription: FakeSubscription | null;
 }
 
 export interface FakeStore {
@@ -24,6 +33,13 @@ export const SEEDED_USER: FakeUser = {
   displayName: "Local Dev",
   email: "localdev1@example.test",
   password: "localdev1pass",
+  monthlyCredits: 500,
+  bankedCredits: 120,
+  subscription: {
+    subscriptionToken: "usub_localdev1",
+    productSlug: "artcraft_creator_monthly",
+    nextBillAt: "2026-09-24T00:00:00Z",
+  },
 };
 
 export function createStore(): FakeStore {
diff --git a/mcp/fake-upstream/test/billing.test.ts b/mcp/fake-upstream/test/billing.test.ts
new file mode 100644
index 0000000000..915cb5aa8d
--- /dev/null
+++ b/mcp/fake-upstream/test/billing.test.ts
@@ -0,0 +1,65 @@
+import { describe, expect, it } from "vitest";
+
+import { expectValid } from "../../test/helpers/contract";
+import { createFakeUpstream } from "../src/index";
+import { SEEDED_USER } from "../src/state";
+
+async function signedIn() {
+  const app = createFakeUpstream();
+  const login = await app.request("/v1/login", {
+    method: "POST",
+    headers: { "content-type": "application/json" },
+    body: JSON.stringify({
+      username_or_email: SEEDED_USER.username,
+      password: SEEDED_USER.password,
+    }),
+  });
+  const { signed_session } = await login.json<{ signed_session: string }>();
+  return { app, headers: { session: signed_session } };
+}
+
+describe("credits", () => {
+  it("returns the seeded balances in the spec shape", async () => {
+    const { app, headers } = await signedIn();
+    const response = await app.request("/v1/credits/namespace/artcraft", { headers });
+    expect(response.status).toBe(200);
+    const body = await response.json();
+    expectValid("GetSessionCreditsResponse", body);
+    expect(body).toEqual({
+      success: true,
+      free_credits: 0,
+      monthly_credits: 500,
+      banked_credits: 120,
+      sum_total_credits: 620,
+    });
+  });
+
+  it("is session-only: anonymous callers get the common 401 envelope", async () => {
+    const response = await createFakeUpstream().request("/v1/credits/namespace/artcraft");
+    expect(response.status).toBe(401);
+    expectValid("CommonWebError", await response.json());
+  });
+
+  it("rejects an unknown namespace", async () => {
+    const { app, headers } = await signedIn();
+    const response = await app.request("/v1/credits/namespace/nope", { headers });
+    expect(response.status).toBe(400);
+    expectValid("CommonWebError", await response.json());
+  });
+});
+
+describe("subscription", () => {
+  it("returns the seeded subscription in the spec shape", async () => {
+    const { app, headers } = await signedIn();
+    const response = await app.request("/v1/subscriptions/namespace/artcraft", { headers });
+    expect(response.status).toBe(200);
+    const body = await response.json<{ active_subscription: { product_slug: string } | null }>();
+    expectValid("GetSessionSubscriptionResponse", body);
+    expect(body.active_subscription?.product_slug).toBe("artcraft_creator_monthly");
+  });
+
+  it("is session-only too", async () => {
+    const response = await createFakeUpstream().request("/v1/subscriptions/namespace/artcraft");
+    expect(response.status).toBe(401);
+  });
+});