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AutoEntry Credits Explained: What 100 Credits Actually Gets You

Sheece Gardezi pricingautoentrycomparison

AutoEntry's pricing page makes the credit model look simple: buy a bundle of credits each month, spend them as you capture documents. And for a while, it is simple, right up until you learn that a line-item invoice costs two credits and a bank statement page costs three, at which point "100 credits" stops meaning "100 documents" and starts meaning "somewhere between 33 and 100 documents, depending on your mix." This post does the arithmetic out loud, with three realistic scenarios, so you can see what a 100-credit plan actually buys, and how the same workloads price out on a flat per-document plan like SnapReceipt Pro.

We build SnapReceipt, so we are obviously not neutral here. That is exactly why every number below comes from AutoEntry's published credit costs and plan prices. No invented figures, no strawmen. You can check each line of arithmetic yourself with a calculator.

How AutoEntry credits work

AutoEntry sells monthly plans that include a pool of credits. The two entry tiers relevant to small firms:

Credits are the currency, and different document types cost different amounts of it. AutoEntry's published credit costs:

Two more properties of the model matter as much as the rates:

  1. Credits do not roll over. Use them or lose them within the month.
  2. Overage charges apply if you burn through the pool before the month ends.

So a "100 credit" plan is not a "100 document" plan. It is a 100-credit budget, and the documents you process have prices attached. Whether that is good or bad for you depends entirely on your document mix, which is the whole point of the arithmetic below.

What 100 credits actually buys: three scenarios

The honest way to compare pricing models is to take a real workload, cost it on both, and write down the intermediate steps. Here are three.

Scenario A: solo bookkeeper, 40 plain receipts a month

A solo bookkeeper doing expense capture for a couple of clients, with no line-item extraction and no bank statements:

40 receipts × 1 credit = 40 credits

40 credits fits inside the 50-credit plan at $17/month. Effective cost: $0.43 per receipt (17 ÷ 40), with 10 credits of headroom that expire at the end of the month.

This is the scenario the credit model is designed around, and it works fine. The document mix is all 1-credit documents, so the pool is predictable and cheap. If this is your workload, credit pricing is not a problem you need to solve.

Scenario B: small firm, 30 line-item invoices + 10 bank statement pages

Now a small bookkeeping firm doing supplier-bill capture where line items matter (inventory clients, job costing, detailed expense coding), plus some bank-statement work at month end:

30 line-item invoices × 2 credits = 60 credits
10 bank statement pages × 3 credits = 30 credits
Total: 60 + 30 = 90 credits

90 credits barely fits the 100-credit plan at $23/month, with 10 credits of headroom, which is five plain receipts, five fewer line-item invoices, or three bank statement pages. Effective cost: about $0.58 per document (23 ÷ 40 documents), and the price of growth is immediate: one more busy week tips you into overage charges.

Notice what the multipliers did: the firm processed 40 documents, fewer documents than scenario A, and consumed more than twice the credits. The workload did not get bigger; it got more expensive per unit, because line items and bank statements are exactly the documents the credit model prices at 2× and 3×.

Scenario C: the same firm on flat per-document pricing

Same workload, 30 line-item invoices and 10 bank statement pages, on SnapReceipt Pro:

40 documents × $0 marginal cost = $12/month flat

SnapReceipt Pro is US$12/month flat with unlimited extractions, and line items are included at no multiplier. A line-item invoice costs the same as a plain receipt, because there is no credit schedule in the first place. Effective cost in this scenario: $0.30 per document (12 ÷ 40), and the number does not change if the firm doubles its volume next month.

Two comparisons worth stating plainly:

If line items are your primary workload, that difference compounds every single month. We wrote a separate post on why line-item extraction matters for bookkeeping workflows. The short version: header-only capture is where data entry goes to hide, and it is also exactly where credit multipliers bite hardest.

The rollover trap

The multipliers get the attention, but the rollover policy is what makes the credit model quietly expensive. Credits expire monthly, so your real cost is not the plan price. It is the plan price divided by the credits you actually used:

A flat rate absorbs both directions of variance. December costs $12. July costs $12. The per-document economics get better when you are busy and stay bounded when you are quiet, because the denominator (your fee) never moves.

There is also a subtler cost that does not show up on any invoice: someone has to track the credit burn. "Do we have enough credits left to process these statements this month, or should they wait for the next pool?" is a real decision credit-plan users make, and it is a decision flat-rate users never see.

When AutoEntry's model genuinely works

Fairness check: the credit model exists because it serves real use cases, and pretending otherwise would make this post a worse guide:

  1. Uneven volume where you want to pay less in quiet months. If your practice is seasonal and you would rather have a cheap month than a predictable one, a small credit plan during the off-season is legitimately cheaper than a flat fee you barely use.
  2. Mixed document types in one pool. Receipts, invoices, and bank statements all draw from the same credits. If your mix shifts month to month (receipts one month, statements the next) one pool covers all of it without juggling separate plans.
  3. Sage-integrated firms. AutoEntry is owned by Sage, and if your practice runs on Sage products, that integration depth is a real, practical reason to stay in the ecosystem regardless of the pricing math.

None of those are edge cases. If they describe your firm, credit pricing may be the right model for you, and this post's arithmetic still helps. You just use it to pick the right-sized pool.

When flat per-document pricing wins

Flip the lens. A flat plan like SnapReceipt Pro is the better fit when:

  1. Predictable costs matter. Firms that bill clients a fixed monthly fee need their own costs to be fixed too. A credit pool that behaves differently every month makes your own pricing harder to hold.
  2. Line items are the primary workload. If most of what you capture needs line-item detail, a 2× multiplier is not a surcharge on the exception. It is the base rate of your entire workflow, and it quietly doubles your cost of capture.
  3. You do not want to track credit burn. No mental ledger, no end-of-month rationing, no "should this statement wait until next month's pool." You capture the document when it arrives, which is also what good bookkeeping hygiene looks like.

SnapReceipt's extraction also self-checks its arithmetic on every result (items against subtotal, subtotal plus tax against total) and flags failures for human review, which you can see on our proof section. That is orthogonal to pricing, but it is the same philosophy: the numbers should be checkable, not taken on faith.

Run the arithmetic on your own workload

The takeaway is not "credits bad, flat good." It is that a credit count is not a document count, and the exchange rate between the two depends on your mix. Take your last three months, count your documents by type, multiply by the credit costs (1× plain, 2× line items, 3× per statement page) and compare the monthly totals against a flat $12. Whichever model wins for your real workload is the one to buy.

If you want to test the flat side of that comparison on your own documents, SnapReceipt gives you 10 free extractions at app.snapreceipt.dev, no credit card, with line items included, because we do not have a multiplier to charge you.

FAQ

How many credits does AutoEntry charge per document?

One credit for a standard receipt or invoice, two credits for an invoice with line-item extraction, and three credits per sheet for bank statements. These are AutoEntry's published credit costs.

How much is an AutoEntry credit worth in dollars?

On the entry plans, roughly $0.34 per credit at $17 for 50 credits, or $0.23 per credit at $23 for 100 credits. But the more useful unit is the per-document cost, which depends on your mix. A line-item invoice at the $23 tier effectively costs $0.46; a bank statement page costs $0.69.

Do AutoEntry credits roll over?

No. Unused credits expire at the end of each month, and if you exceed your pool before the month ends, overage charges apply.

Is SnapReceipt really unlimited?

SnapReceipt Pro is US$12/month flat with unlimited AI receipt extraction on our proprietary in-house pipeline, and line items are included at no multiplier; there is no credit pool to exhaust. The free tier includes 10 lifetime extractions so you can test extraction quality on your own documents first.

When should I choose credit pricing over flat pricing?

If your volume is genuinely seasonal and you would rather pay less in quiet months, or if you process mixed document types and want one shared pool, credit pricing can win. If your workload is steady, line-item-heavy, or you simply want a number that never moves, flat pricing is usually cheaper and always simpler to budget.

Try SnapReceipt on your own receipts. Free tier, no card required.

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