When you upload a bank or credit card statement, SparkReceipt extracts the individual transactions from it so they can be matched against your receipts and invoices. That extraction is what costs credits.
What it costs
1 credit per extracted transaction line — not per statement, and not per page. A statement with 120 transactions on it costs 120 credits to extract.
Before any credits are touched, every account gets a one-time free allowance of 3,000 transaction lines. That allowance is a lifetime total rather than a monthly one: it doesn't reset each month, and once it's used up, extraction starts drawing on your credits.
The charge is for the extraction itself. Once transactions are extracted, matching them to receipts and turning them into documents costs nothing further.
Which credits get used
Extraction spends your renewable credits first — the ones included with your plan, which renew every month — and only then any extra credits you've purchased. Extra credits never expire.
Your balance and your plan's allowance are both shown in the web app under Subscription & Billing. Allowances vary by plan, so that page is the authoritative view for your own account. See How does the monthly credit system work? for the full picture of what credits are spent on.
If you run out partway through
The extraction pauses rather than failing, keeps everything it already extracted, and emails you. It resumes automatically once you have credits again — either when you buy a pack or when your monthly credits reset. See What happens if I run out of credits mid-task?.
Related
- Bank statement extraction guide — the end-to-end walkthrough
- How to match receipts to bank or credit card statements