Your purchased credit points are saved in your account like your money is saved in your bank account. Every time you consume an XC service the cost of the service will be deducted from your account, and you will be notified to buy more credits if you are trying to consume services with value higher than your account balance. You are in control of your credit points.

You can purchase credit points (or xCoins) in small chunks of USD10. Refunds of cash are not available. We encourage our customers to buy credit points just in the amount they plan to consume. Your balance will remain in your account for any XC service until you use it or decide to close your account. 

The credit points are purchased individually with a secure and personal form of payment. Credit transfers to another user is not allowed due to security reasons. We encourage companies to enroll into our multi-user Tiered subscriptions to take advantage of higher credit point levels that could be consumed by permitted users in that account. See Pricing options.

xCircular works with partners to host, process and store users' production data. Hi-res files require more storage space, they apply a higher load on our production servers, which may slowdown the overall performance of our system. In order to keep the high quality of service with all sizes of files we have to charge differential rates for hi- and low-res file handling.