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I have an Adobe Stock account where I am charged $31.88 every month to receive 10 images a month.
At the end of a year, I will have paid $382.56 (12 x $31.88) and will have 120 images in my library.
But, if I don't want to pay a monthly fee, I would need to buy a credit pack instead. To get close to the 120 images a year I currently enjoy, I would need to buy either an 80 credit pack or 150 credit pack.
Under this arrangement, 80 credits would cost $669.99 or 150 credits would cost $1,200.
So my choice is to pay $382.56 (12 x $31.88) or pay a one-time fee of $1,200. What a deal! It sounds like something created by the United States Congress.
EVERY other service I used in 2023 that charged my credit card each month has offered an opportunity to pay an annual fee for less money, like a 10% discount or two months free.
I would even be okay with paying Adobe a one-time fee of $382.56 just to avoid being charged every month.
But, apparrently, Adobe would rather pay credit card processing fees every month instead of a one-time charge. The company would rather have subscription money trickle in every month, instead of get it all at once so Adobe can make more money by saving it or investing it.
Like I said in the title, Adobe Stock's billing makes no sense.
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Credit packs are more valuable, as you can also licence 4k video or premium assets or extended licences.
And you do not know the processing fees, Adobe pays.