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Finowl uses one simple unit: 1 credit = 1 lookup. The price does not change with the result. An identified prediction, an unknown prediction, a breached email and a clean email all cost the same.

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Where credits come from

Monthly free credits

Every account gets 1,000 free credits per calendar month. They reset at 00:00 UTC on the 1st and do not roll over. Free credits are always used first.

Credit packs

When the monthly credits run out, Finowl draws from purchased credits. Purchased credits never expire. See pricing.
Buy credits from Billing in the dashboard. Credits are shared by every API key on your account.

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When a request is charged

Finowl reserves credits before running the lookup, and keeps them whatever the outcome. That means: The rule of thumb: if Finowl rejected your request before doing any work, it is free. If the lookup was attempted, it is charged. This is why validating inputs on your side and not retrying blindly matter.

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Running out of credits

When your balance cannot cover a request, the API returns:
For a batch, every item must be covered. A 50-item batch with 49 credits left is rejected as a whole and costs nothing. Send a smaller batch or top up.
quota_exceeded will not fix itself in 60 seconds unless your monthly credits are about to reset. Alert your team on this code instead of retrying it in a loop.

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Tracking usage

The dashboard overview shows requests, credits used, successes and failures for the current month, broken down by endpoint and by day. The Logs page lists individual requests with their status and duration.