How Credits Work
- 1 credit = 1 enrichment: Each successfully enriched transaction consumes 1 credit
- Monthly allocation: Credits are included in your plan and reset each billing cycle
- No rollover: Unused credits don’t carry over to the next month
- Overages available: Continue enriching beyond your allocation with per-request billing
Credits by Plan
| Plan | Monthly Credits | Overage Cost (per 1K) |
|---|---|---|
| Free | 500 | Not available |
| Starter | 2,500 | €10 |
| Growth | 15,000 | €7 |
| Business | 75,000 | €4.50 |
| Enterprise | Custom | Custom |
Overage pricing is per 1,000 additional enrichments beyond your plan’s included credits.
When Credits Are Deducted
Credits are consumed when:An enrichment request completes successfully (
success: true)A partial enrichment succeeds (
partial: true with some valid data)- The request fails entirely (validation error, auth error, server error)
- You hit your credit limit and overages are disabled
- You query existing transactions (GET requests)
- You fetch categories or entity details
Checking Your Balance
Monitor your credit usage in the dashboard:- Current credit balance
- Usage history by day/week/month
- Overage usage (if enabled)
Overage Billing
When you exceed your monthly credit allocation:With Overages Disabled (Default)
- Enrichment requests will fail with
402 Payment Required - Error code:
insufficient_credits - You’ll need to wait for credits to reset or upgrade your plan
With Overages Enabled
- Enrichment continues without interruption
- Overage usage is tracked separately
- Billed at the end of your billing cycle
- Go to your dashboard settings
- Navigate to Billing > Overage Settings
- Toggle “Enable Overages”
Credit Reset
Credits reset at the start of each billing cycle:- Monthly plans: Reset on your subscription anniversary date
- Annual plans: Reset monthly on the same day you subscribed
- Free tier: Reset monthly on the same day you joined or your old plan expired
Monitoring Usage
The dashboard provides real-time visibility into:- Credits remaining this period
- Usage trends over time
- Overage consumption (if applicable)
Optimizing Credit Usage
Deduplicate before enriching
Deduplicate before enriching
Check if you’ve already enriched similar transactions. Transactions with the same raw title in the same country often produce identical results.
Use the playground for testing
Use the playground for testing
The playground is free and doesn’t consume credits. Use it for exploration and testing.
Batch similar transactions
Batch similar transactions
If you have many identical transactions (e.g., recurring subscriptions), enrich one and apply the result to all.
Upgrading Your Plan
If you consistently need more credits:FAQ
What counts as one credit?
What counts as one credit?
One enrichment request that returns a successful result (full or partial) consumes one credit.
Do GET requests use credits?
Do GET requests use credits?
No. Fetching transaction history, categories, or entity details does not consume credits. Only POST requests to the enrichment endpoint use credits.
What happens at partial results?
What happens at partial results?
Partial results (where some enrichers succeed) do consume credits, as you’re receiving valuable enrichment data.
Can I get a refund for unused credits?
Can I get a refund for unused credits?
Credits are non-refundable but reset monthly. Consider adjusting your plan if you consistently have excess credits.
How are overages billed?
How are overages billed?
Overage usage is calculated at the end of your billing cycle and charged to your payment method on file.