How much does each document check cost?
Every check costs one credit, whether it runs from the web app or the API — both draw from the same balance.
You can fund that balance three ways: a monthly subscription (Starter $15/mo for 30 credits, Growth $149/mo for 350, Pro $499/mo for 1,500, Enterprise custom), a one-time pack ($5 for 8 credits, $15 for 25 credits, no subscription required), or the 5 free credits every new account gets on signup. They spend in that order — subscription balance first, then packs, then welcome credits.
Credits don’t expire while your account stays active, and test API keys are free and unlimited — they never draw from your balance.
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3 answers
Verifying Specific Documents
Yes — this is the primary use case for lending teams. HTPBE? detects edited bank statements at the file structure level: multiple xref tables indicating post-export editing, producer field showing Excel or a consumer PDF tool instead of a banking system, and modification timestamps that differ from creation timestamps.
See the fake bank statement detection guide for integration details.
Pricing & API
Yes. Test keys (htpbe_test_...) are available on all plans including before you subscribe. They return deterministic synthetic results for integration testing and do not consume monthly quota.
Test keys only accept test URLs — they cannot be used to analyze real documents.
A credit is the unit HTPBE? bills in. Right now the rate is fixed: one check costs one credit, whether the check runs from the web app or the API.
Credits exist because web uploads and API calls draw from a single shared balance instead of two separate quotas. That balance can come from three places: a monthly subscription allowance, a one-time credit pack, or the 5 free credits every new account gets on signup. All three land in the same pool and spend in that order — subscription balance first, since it resets each billing period, then packs, then welcome credits, held back as a reserve.
Credits don’t expire while your account stays active; they’re only forfeited after 12 months with no login, upload, or API call. Test API keys are free and unlimited and never draw from your balance — use them to integrate before you spend a real credit.