It's off unless you turn it on in your dashboard. You add credit, and any comparison after your plan's limit or ceiling is paid from it at one flat price per comparison, shown in your dashboard. Only comparisons that succeed are charged. Your balance stays in your wallet and carries over from month to month until you use it. When you turn the wallet on, automatic top-up is on too: if a card is saved on your subscription, we add credit to your wallet when your balance runs low, and you can change the amount, change when it happens or switch it off at any time. You can also set a spending limit for each billing cycle, and turn the wallet off whenever you like, when comparisons simply pause at the limit again.