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Account balance

Where your credits are shown, how checkout always spends them first, and what happens when the balance does not cover an order.

Your account balance is the pool of credits on your account. Every order you place is paid from it first, automatically; only what the balance does not cover is paid online. This page explains the Billing tab and the rows you see when you pay for an order.

The Billing tab

Select Settings in the top bar and then Billing — or simply select the balance in the top bar, for example 16 credits. The page is headed Balance:

  • Account balance, then the number of credits in large type with its dollar value beside it, for example 16 credits ≈ US$128.00. The dollar figure is what the credits are worth at US$8.00 each.
  • The line A credit is the pricing unit for our editing work. One credit is US$8.00, and larger packages come at a discount.
  • Buy credits. See Buy credits.

On the right is the Redeem a gift card panel, and below everything the Coupons and gift cards table. Those are covered in Gift cards and Coupons. Your past top-ups are on the next tab, Billing history.

Credits are always used first

The balance is not one payment method among several. On the Pay step of an order, your credits are applied first, and only what is left over becomes an amount in US dollars:

  • If your credits cover the whole order, Total Due is US$0.00 and you place the order with Complete Purchase.
  • If they do not, the shortfall is priced at US$8.00 per credit and paid online, with PayPal or a card, on the same page.

Two consequences are worth knowing before you plan a large order:

  • You cannot keep your credits and pay in cash instead. There is no option to skip the balance.
  • A coupon never reduces credits. It only reduces the dollar amount left after your balance, so when your credits cover the order there is no coupon field at all. See Coupons.
One balance, two checkouts
Balance
Account balance
16credits≈ US$128.00
A credit is the pricing unit for our editing work. One credit is US$8.00, and larger packages come at a discount.
Buy credits
Redeem a gift card
Gift cards turn into credits on your balance right away. Coupon codes are different — those apply at checkout.
Gift card code
E.G. GFT4K9QX
Redeem
Coupons and gift cards1
CodeValueWhat you getExpiresStatus
SPRING10CouponUS$10US$10 OFF new orderDec 31, 2026Available
New order#a8k2mPhotos & instructionsReview3Pay
Order summary
Editing levelPhotosCredits
Editing photos1212
Initial chargeBefore your balance and any coupon12 credits
Account balanceAvailable now — spent first16 credits
Estimated turnaround24 hours
Total DueUS$0.00

Nothing to pay online — this order uses your account balance.

Your account balance of 16 credits covers this order — nothing more to pay.
We start editing as soon as the order is placed.
Total Due US$0.00·Est. delivery 24 hoursBack to ConfirmComplete Purchase
New order#c4r7tPhotos & instructionsReview3Pay
Order summary
Editing levelPhotosCredits
Editing photos2020
Initial chargeBefore your balance and any coupon20 credits
Account balanceAvailable now — spent first16 credits
SubtotalWhat is left after your balance · US$8.00 per credit4 credits · US$32.00
Estimated turnaround2 days
Total DueUS$32.00

Paid online, after your balance and coupon. This is the real amount.

Have a coupon code?
Payment
We will use your 16 credits balance first. The remaining US$32.00 needs to be paid online.
Pay US$32.00 with PayPalPay US$32.00 with card
Total Due US$32.00·Est. delivery 2 daysPay the remaining US$32.00 with PayPal or card — see Payment.Back to Confirm

The rows on the Pay step

When you have credits on your account, the Order summary on the Pay step adds these rows:

Row What it means
Initial charge What this order costs in credits — Before your balance and any coupon.
Account balance The credits you have right now — Available now — spent first.
Subtotal Only when there is a shortfall: the credits your balance does not cover, and what they cost in dollars — What is left after your balance, at US$8.00 per credit.
Discount Only when a coupon is applied.

On the right, Total Due is the real amount you pay online, in US dollars, after your balance and any coupon. It reads either Nothing to pay online — this order uses your account balance. or Paid online, after your balance and coupon. This is the real amount.

When your balance does not cover the order

You pay the rest on the same page. The Payment section says, for example, We will use your 16 credits balance first. The remaining US$32.00 needs to be paid online. and offers Pay US$32.00 with PayPal and Pay US$32.00 with card. Either button takes you to PayPal’s or Stripe’s own secure page; when you come back, the order is placed and your balance has been used. See Review and pay.

If you would rather top up first, buy credits and come back: when your balance now covers the order, the page tells you Your balance now covers this order and offers Complete Purchase instead.

Team members and the balance

Team members spend the same studio balance. A member whose Can pay with balance switch is on can place an order the balance covers. Members cannot pay online: if the balance falls short, their checkout reads Insufficient balance. Please contact your account owner to top up.

Rules and limits

  • One credit is US$8.00. Each photo to edit costs 1 credit, reference images are free; business accounts pay their agreed rate.
  • Credits are applied first, always, and coupons never reduce credits.
  • The Initial charge and Account balance rows appear only when you have credits on the account.
  • If the estimated delivery time changes while you are on the Pay step, the purchase stops with Delivery estimate has been updated and the summary refreshes — check the new turnaround and try again.
  • Canceling an order within 15 minutes of placing it returns its credits to the balance at once — including the part you paid online, which comes back as credits rather than to your card or PayPal. See Refunds.