---
title: How does the monthly transaction credit work?
description: "Learn how the easyAML $220/$440 monthly credit works: applied across the whole monthly bill (not per-transaction), with unused credit rolling over within the term."
---

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# How does the monthly transaction credit work?

## The $220 (Professional) or $440 (Enterprise) monthly credit applies across the whole monthly bill.

The monthly transaction credit ($220 on Professional, $440 on Enterprise) is **applied across the monthly bill** - not against the first transactions individually until you reach the credit limit.

So a customer using $300 of KYC/KYB activity in a month on Professional sees the bill as $300 less $220 credit = $80 transaction charge, plus the subscription. A customer using only $150 in a month sees zero transaction charge that month and the unused $70 credit rolls over.

Key mechanics:

- **Roll-over.** Unused credit rolls over month-to-month for up to **6 months** before expiring. So credit accrued in January 2027 expires at the end of July 2027 if not used.
- **GST-exclusive.** The credit applies to net transaction value before GST. GST is added on top of the net charge after the credit.
- **Doesn't apply to set-up fees** or one-off bespoke services - only standard KYC/KYB transactions.

Most firms find the credit covers only a portion of their typical monthly usage with some buffer. Where activity is highly seasonal (e.g. a real estate office with peak Q4 transactions), the roll-over absorbs the seasonality nicely.

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