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How does CoinAPI’s credit system work? Do I need to preload credits, and how fast are charges reflected?

Yes, to use credit-based services like Flat Files or REST API access, you must preload usage credits to your account. Here's how it works:

Preloading Credits

  • Once you link your credit card, you’ll need to manually add credits through the Billing > Add Usage Credits section in the Customer Portal.
  • Optionally, you can enable Auto Recharge, which automatically tops up your credits once your balance falls below a defined threshold.

How Charges Work

  • Credits are prepaid, meaning you load your account before downloading data.
  • The cost of your activity (e.g., API calls, Flat File access) is deducted from your available credit balance.

Processing Time

  • Credit top-ups are processed in near real-time. (Delays may still occur. You may reach out to Support to verify the status)
  • Your available balance updates almost immediately after the credit card is charged.
  • Only exception: crypto payments may have a short delay (up to 1 hour) due to blockchain confirmation times.

Usage Credits Documentation