> For the complete documentation index, see [llms.txt](https://help.fixfolio.ai/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://help.fixfolio.ai/en/billing/overview.md).

# Overview

## Payment method

FIXFOLIO's payments are offered in the following two ways.

### (1) Monthly subscription plan

A recurring payment method that provides a fixed amount of credits each month. We recommend a subscription plan if you need to produce banners continuously.

* **Automatic payment and automatic subscription credit recharge on the monthly billing date until subscription cancellation**
* **Change plan**(Upgrade / Downgrade) **Available**
* **Provided subscription credits can be used for one month from the billing date&#x20;**<mark style="background-color:blue;">**(Unused credits are not carried over.)**</mark>

For more details about the monthly subscription plan, [**\[Pricing information page\]**](/en/billing/pricing.md)please refer to.

### (2) Credit top-up

A method where you purchase as many credits as you need and use them. Suitable when subscription credits are insufficient or when you want to produce only as needed without regular recharges.

* **Select desired credit amount (100/300/500/1,000) and then pay**
* **No automatic payment**
* <mark style="background-color:blue;">**Top-up credits valid for 5 years**</mark>
* **Can be used freely when needed**

For detailed credit top-up instructions, [**\[Top-up credits page\]**](/en/billing/credit.md)please refer to.

## How credits are used

If you hold subscription credits, top-up credits, and promotional credits together, credits will be deducted in the following order.

1. <mark style="background-color:blue;">**Use promotional credits**</mark>
2. <mark style="background-color:blue;">**Use subscription credits**</mark>
3. <mark style="background-color:blue;">**Use top-up credits**</mark>

## Refund policy information

<mark style="background-color:blue;">**A full refund is available if unused within 7 days after payment.**</mark> Refunds are not available if credits have been used or 7 days have passed.

For detailed refund instructions, [**\[Refund page\]**](/en/billing/refund.md)please refer to.


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