SparkReceipt uses credits to pay for some AI processing. They come in two kinds:
- Monthly credits (also called renewable credits) come with your plan and reset at the start of every calendar month.
- Extra credits are bought in packs. They never expire, and they are used only once your monthly credits are gone.
Credits are pooled across your whole account, including its linked accounts, so everyone on it draws from the same balance.
Which actions use credits?
- Bank statement extraction: 1 credit per extracted transaction line. If your account has a one-time free allowance of transaction lines, that is used first. See Bank statement extraction credits.
- Document scanning beyond your monthly quota: 10 credits per document, only after your plan's monthly document allowance is used up. See Can monthly credits be used to scan more documents or receipts?
- Email history import: a fraction of a credit per processed email, after a one-time free allowance. You see the estimate before you start. See Email history extraction.
Everything else is free of credits, including:
- scanning documents while you still have monthly document quota left,
- creating reports and exports (PDF, Excel/XLSX, CSV) and downloading documents,
- matching receipts to bank transactions once the statement is extracted,
- publishing to your accounting software,
- SparkAgent chat, which has its own monthly message allowance.
When do monthly credits renew?
Monthly credits reset to your plan's full allowance on the first day of each calendar month (at midnight UTC), whatever date you subscribed or are billed on. Your monthly document allowance resets at the same moment. In the web app, the Monthly credits card on Subscription & Billing shows the date as Renews followed by the date.
Unused monthly credits don't roll over. Whatever is left at the end of the month is gone when the new month's allowance arrives. Extra credits are different: they stay in your balance until you use them, however many months pass.
Why did my credits disappear?
Usually for one of these reasons:
- A new month started. Monthly credits reset to your plan's allowance on the 1st and unused ones don't carry over. If you used fewer than your allowance, the leftover is gone, which can look as if credits vanished.
- Something used them. A bank statement extraction uses 1 credit per transaction line, and a large email history import can use many. Check recent statement uploads and history imports.
- Your balance went below zero. A task that is already running is allowed to finish even if it needs more credits than you have. The Extra credits card then shows a negative number, a temporary overdraft. To use credit features again, buy more credits or wait for the monthly renewal, which resets the overdraft.
If none of these explains it, contact support and tell us roughly when the credits went missing.
How much do extra credits cost?
The price of a credit pack is shown when you buy it, in your currency. It isn't listed in this article because it differs by currency and by where you buy (web, App Store or Google Play) and it can change. When a promotion is running, the purchase screen shows the bonus credits you get on top.
On the web: open Account settings → Subscription & Billing. On the Extra credits card, click Purchase extra credits. The checkout shows the pack and its price before you pay.
In the mobile app: open the side menu and tap Purchase credits. Each pack is listed with its size and a Purchase for button showing the price in your App Store or Google Play currency.
Who can buy credits:
- In the mobile app, only the account Owner sees Purchase credits.
- On the web, the Purchase extra credits link on the Extra credits card is shown to the Owner. Admins can also buy credits with Purchase credits in the account menu.
- Credit packs are for Pro and Elite subscribers. On the web, accounts without a paid plan see Upgrade to purchase credits instead.
Checking your balance
In the web app, Account settings → Subscription & Billing has a Usage section with Monthly credits (what's left of this month's allowance) and Extra credits (your purchased balance). In the mobile app, Purchase credits shows Renewable and Extra credits and the total remaining.
Check that screen rather than a number quoted in an article. Your allowance depends on your plan, and some accounts have custom arrangements.
Running low
Buy an extra credit pack, or wait for the monthly reset. Upgrading your plan also raises the monthly credit allowance and the document quota. See How do I upgrade to Elite or change my plan?
If you run out in the middle of something, see What happens if I run out of credits mid-task?