Magnific credits last a year with no monthly reset: Sume top-ups too?

Yes, Magnific credits last longer than a month. Its pricing page, read 2026-10-12, states that credits are valid for one year with no monthly resets. Sume's wallet works on a similar horizon for money you add yourself: a top-up credited to the wallet is stored with an expiry 365 days after it is credited. Plan prices are listed below so you can compare what each commits you to.

What does Magnific's page say?

Magnific's plans are priced per month or per month billed annually, and credits are quoted as annual totals. The page also says no model training on your data.

Because the credits are quoted per year, a month of light use does not waste anything: unused credits stay for the year. That is different from plans that reset a monthly allowance and drop the rest.

How does a Sume balance expire?

Sume bills generation and API calls in dollars at each model's published rate, drawn from one balance across video generation, Sume Agent, Formats and the API. Teams can add funds with on-demand purchases from $10 to $1,000. In the billing code, each top-up creates a credit lot with an expiry 365 days after it is credited, so the clock starts at purchase, not at the start of a calendar month.

Sume plans have their own fee: Free $0, Pro $40, Startup $120 and Scale $400 a month. The plan sets concurrency (1, 4, 8 and 20 jobs at once). It does not set how many credits a month you may spend.

What is the practical difference?

Both avoid the monthly use-it-or-lose-it pattern for money you add. The units differ. Magnific counts credits whose dollar value depends on the plan and the model. Sume counts dollars, so a balance of $50 means $50 at the listed rate for whatever model you pick.

If your volume is irregular, such as a launch week and then a quiet month, a one-year validity period works in your favor on either side. If your volume is steady, the plan fee and concurrency matter more than the expiry.

What should you check before buying?

Read the line about refunds and expiry in each vendor's terms, because a pricing grid rarely shows what happens to unused balance on cancellation. On Sume, the dashboard subscription page shows your plan and balance; on Magnific, check the account page after you buy.

• Note the purchase date; the one-year clock runs from then.
• Keep one wallet rather than several so the balance is easy to track.
• Re-check both pricing pages before renewing, since plans change.