XTK pricing, your trial, and what read-only mode means

XTK is one plan: $59 USD a month for your whole practice, every feature included, after a 30-day free trial that needs no credit card. The trial starts when you verify your email address, and if it ends without a subscription the practice becomes read-only — everyone can still browse and download, but nothing can be created or changed until an Admin subscribes. This guide covers what you pay for, how an Admin upgrades and manages the subscription, and exactly what read-only does and doesn't block.

XTK is an independent product and is not affiliated with or endorsed by Xero Limited.

What does XTK cost, and what does the trial include?

• One plan, one price: $59 USD per month, billed in advance. No tiers, no per-seat charges, no features held back — the same price for a practice of two or twenty.
• The subscription belongs to the practice. One Admin pays and everyone you invite works under it, so adding a team member costs nothing extra.
• The trial is 30 days of the full product with no credit card: e-signatures, the client portal, document requests, templates, all of it.
• Nothing is charged automatically. XTK holds no card during the trial, so there is no silent conversion at day 30 — you subscribe deliberately, or the practice goes read-only.
• The clock starts at email verification, not registration, and only runs forward: it never pauses or resets.

How do I tell where my trial stands?

By the bar XTK adds across the top of Practice Manager. While the trial runs it reads “Trial — 12 days left”, re-drawing every half minute so the number is current without a reload; in the final day it switches to hours. If you are the Admin the bar carries one action, “Upgrade”; Members see the message with no button. Once you subscribe the bar disappears — no banner is XTK's way of saying all is well.

How do I upgrade to a paid subscription?

What's on the Billing & Subscription tab?

How do I change our card, get invoices, or cancel?

All three happen in Stripe's billing portal, which “Manage Subscription” opens in a new tab as a one-off, expiring session — no second password to remember, and nothing sensitive kept in XTK. There you can update the card, download every invoice, and cancel.

Cancelling takes effect at the end of the period you have already paid for, so you keep full access until then; after that the practice becomes read-only. Fees are billed in advance and are generally non-refundable, because the trial exists to let you evaluate XTK before paying — the “Refund & cancellation policy”, linked at the end of this guide, gives the full terms. If the button answers “No active subscription found for this Practice.”, the practice has never paid, so Stripe has nothing to manage yet.

What happens if a payment fails?

Nothing stops working. A declined card puts the practice into a grace state where the banner reads “Payment failed — manage your subscription” for the Admin, or “Payment failed — your Admin needs to update billing” for everyone else, while Stripe retries in the background and access stays completely full. Your clients notice nothing. Only if Stripe eventually gives up does the subscription end and read-only begin — so fix the card while the banner is still asking nicely.

What does read-only mode actually mean?

Read-only is XTK's answer to a lapsed account: everything stays visible, nothing changes. It is enforced on XTK's servers rather than merely greyed out in the interface, and it applies to two states — a trial that ended without a subscription, and a cancelled subscription.

What still works in read-only

• Signing in, for everyone. Read-only is about the practice, not about people: nobody is locked out and no session is revoked.
• Browsing and searching every client's documents, opening files in Google's or Microsoft's viewer, and downloading — single files and multi-file zips alike.
• Reading your history: the Signatures tab, document-request tracking, notification dialogs, your connections and your team list.
• The three exits, kept open deliberately: billing, so an Admin can upgrade; signing out; and “Help & Support”.

What read-only blocks

Anything that would change something. In the Documents tab the “Create” menu is disabled outright — no uploads, no new folders, no documents or folders from templates, no document requests — along with move, copy, rename, delete, convert to PDF, merge PDFs, “Send for signature” and “Change storage folder”. Elsewhere you can't invite or remove a team member, or write a template. Hover any of them and XTK explains itself: “Mutations are unavailable in this access state”. If a write does reach the server it is refused there too, and XTK says “Your Practice is read-only. Reactivate your subscription to make changes.”

How do we get back to full access?

The same way you would have subscribed in the first place. The banner keeps its “Upgrade” action for the Admin in both read-only states, leading to the same Stripe checkout — there is no separate reactivation path to hunt for. Pay, return to Practice Manager, reload, and every disabled control is live again.

Nothing was lost while you waited. Your documents never belonged to XTK — they live in your practice's own Google Drive, OneDrive or SharePoint throughout — and every signature request, document request, portal contact, share and template is where you left it. Read-only pauses your practice; it doesn't unpick it.

Where next

If XTK isn't set up yet, the getting-started guide covers registration, verification and the trial's first hour. The team guide explains who the Admin is and how to hand that role — and with it billing — to someone else. The data guide answers the question that usually follows this one: what XTK holds, and what happens to it if you leave.