The biggest difference between the two pricing structures is the features! With the monthly plans, you get additional features such as the recipient portal, which is the personalized URL you will create upon registering [https://yourcompany.simplecert.net]. This URL is where all your recipients can go to create a free account and download all their certificates from you in one place. This allows them to access their certifications from either the notification emails that you send, or from the Recipient Portal. In addition to added features, each monthly account also provides a set number of credits per month. This allows you to select the needed features and the number of credits you need. Monthly Plan credits replenish every month (on day of sign-up).
Bulk Credits are simply a purchase of credits, to reside within your free account. Bulk Credits never expire. If you do not need any of the added features available within the Monthly plans, then you can just purchase the number of credits you need for your project. You are able to purchase Bulk Credits in the Purchase Options menu in your account, directly underneath the monthly subscription plans. Simply choose from the available credit amounts to complete your purchase.
You can also purchase Bulk Credits to be within your account in addition to a Monthly Plan. This is often a great solution for times when you have large projects that you need to send out, but do not wish to change from your monthly subscription level.