Credits & Wallet

Credits are a prepaid balance for experts. You spend them to unlock exclusive invites and to post public replies beyond the quota included in your subscription, with no need to enter your card every time. This is an expert feature, so you'll see it once you have an expert account.

:::note Not the same as referral credits The credits on this page are bought or come with your plan. The credits you earn by inviting people are separate and can be withdrawn. See Referral Program. :::

The two kinds of credits

• Credits included with your subscription: included each month with your plan. They expire at the end of each month and don't roll over.
• Purchased or gifted credits (partnerships, etc.): valid for 1 year from when they're added to your account.

When you spend, the credits included with your subscription are used first (since they expire at month's end), then purchased or partnership credits.

note

Credits included with your subscription reset at the end of each month; any leftover doesn't roll over. Purchased or partnership credits stay valid for 1 year from when they're added.

Buying credits

1. Open your credits balance and choose Add credits.
2. Pick an amount. The minimum top-up is €100.
3. Larger top-ups earn a bonus: the more you add at once, the more bonus credits you get (up to 20% extra).
4. Pay by card. VAT (20%) is added at checkout; the credits added to your balance are the pre-VAT amount plus any bonus.

Your balance updates as soon as the payment succeeds.

Auto-recharge

To avoid running out mid-task, turn on auto-recharge:

1. Set a threshold: when your balance drops to or below it,
2. a top-up of your chosen amount is charged automatically to your saved card.

There's a short cooldown between automatic top-ups so you're never charged twice in a row. If no card is saved, auto-recharge quietly skips and you'll need to top up manually.

Spending credits

Credits are spent on:

• Exclusive invites: unlocking a direct contact channel with the claimant. Your credits cover the fee first; only what's left over is charged to your card.
• Public replies beyond the quota: your subscription includes 30 public replies per month. Beyond that quota, each extra reply costs €1 to €3 depending on the dispute tier. Once you've replied to a given dispute, your further replies on that same dispute carry no extra fee.

If your balance can't cover a spend, you'll be prompted to add credits.

Your balance & history

Your credits view shows:

• Credits included with your subscription available this month.
• Purchased or partnership credits available (valid 1 year).
• A history of grants, purchases, spends, and refunds.

Good to know

• Spending always uses subscription credits first, then purchased or partnership ones.
• Subscription credits expire at the end of each month; purchased or partnership credits are valid for 1 year.
• Credits are spend-only: they can't be withdrawn as cash. (Referral rewards can: that's a different balance.)
• If an exclusive payment fails after credits were reserved, those credits are refunded to your balance.

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:::caution Informational purposes only This documentation is provided for explanatory purposes only and does not constitute a contractual clause. Errors may be present, or some content may not be up to date. We strive to keep it regularly maintained.

Last updated: June 30, 2026 :::