Getting Started
Credits & Plans
ClearStaq uses credit-based pricing: 1 credit = 1 document analyzed, no matter how many pages.
What consumes a credit
| Action | Credits |
|---|---|
| Analyzing a bank statement (any page count) | 1 |
| Analyzing a tax return | 1 |
| Reprocessing a document | 1 |
| Viewing previously analyzed documents | 0 |
| Downloading reports or original files | 0 |
| Exporting CSV / JSON / PDF reports | 0 |
| Dashboard, search, client management | 0 |
| API calls that don't trigger an analysis | 0 |
Where to see your balance
Your live credit balance shows in the sidebar and in Settings → Usage & Billing, which breaks the balance down by credit grant:
- Subscription credits — granted each billing cycle (e.g. 2,000/month on StaqScale).
- Top-up credits — purchased packs, applied when subscription credits run out.
- Promotional credits — granted by ClearStaq.
Each grant has its own expiry date; ClearStaq always draws from the grant expiring soonest. The Credit History table is an immutable ledger of every credit granted, spent, expired, or reinstated.
Never run out: Auto Top-up
In Settings → Usage & Billing → Auto Top-up Settings, set a trigger threshold and a refill amount (e.g. "when I drop below 200 credits, add 500"). Charges go through your Stripe payment method automatically — no mid-deal interruptions.
Plans
| Free Trial | StaqCore | StaqPro ⭐ | StaqScale | |
|---|---|---|---|---|
| Price | $0 | $99/mo ($74 annual) | $249/mo ($187 annual) | $699/mo ($524 annual) |
| Credits | 50 (30 days) | 150/mo | 500/mo | 2,000/mo |
| Bank statement parsing (900+ formats) | ||||
| Tax return parsing | ||||
| Structural fraud flags | ||||
| StaqGuard (2-layer AI fraud detection) | — | |||
| StaqVerify (income verification) | — | |||
| Stacking detection | — | |||
| Detailed P&L | — | |||
| Webhooks | — | |||
| Batch processing | 25 docs | — | 25 docs | 100 docs |
| API rate limit | 60/min | 60/min | 200/min | Unlimited |
| Salesforce integration | ||||
| White-label / branding | — | |||
| Custom fraud rules | — | — | — | |
| Custom model training | — | — | — | |
| Support | Email + chat | Priority | Dedicated AM + 99.9% SLA |
Upgrade, downgrade, and switch between monthly/annual billing any time in Settings → Usage & Billing → Available Plans. Annual plans are 25% cheaper and deliver the full year's credits upfront — useful if your volume is seasonal.
The free trial lock
The trial ends after 30 days or 50 credits, whichever comes first. After that the account locks until you pick a plan — but every analysis you ran stays saved and becomes available again the moment you upgrade.
FAQ
Do unused credits roll over? Monthly subscription credits don't roll over month to month. Top-up credit packs never expire while your account is active. Annual plans receive the full year's allocation upfront, valid all year.
What happens if I run out mid-month? Analyses pause until you add credits. Enable Auto Top-up or buy a credit pack — both are instant.
Is a multi-month statement one credit or several? One uploaded document = one credit. If one PDF contains three months of statements, that's one credit.
Can I change plans mid-cycle? Yes, from Settings → Usage & Billing. Upgrades take effect immediately.