Pricing

Pay only for the dollars you move.

No seat licenses. No contract minimums. No hidden FX spread. Turn modules on or off any time. Enterprise? Let's talk — most high-volume customers land below Scale pricing.

Start

Build

$0/ month

For startups, developers, and teams moving under $250k / month. Get a sandbox, live keys, and full platform access — pay only per transaction.

No seats · No minimums · Cancel anytime
Start free
  • All platform modules
  • 5 team members
  • 1 company / entity
  • Up to $250k / mo volume
  • Standard support · 24h
  • All rails · pay per txn ↓
Most popular
Scale

Grow

$2,400/ month base

For scaling AP/AR teams moving $250k – $25M / month. Includes 2,000 payouts, AP automation, all integrations, and a dedicated CSM.

+ rail fees after 2,000 included payouts
Start 30-day trial
  • 2,000 payouts / mo included
  • Unlimited team members
  • Up to 5 entities
  • AP + AR automation + factoring
  • NetSuite, QBO, Xero, SAP sync
  • Digital Employee (2 agents)
  • Dedicated CSM · 4h SLA
Enterprise

Run

Custom

For companies moving $25M+ / month, with complex approvals, multi-entity, and audited controls. Custom pricing, committed volume discounts, and a named team.

Typical blended rate: $0.12–$0.48 / txn
Talk to sales
  • Unlimited payouts & volume
  • Unlimited entities & users
  • SSO, SCIM, custom roles
  • Dedicated support + DRI
  • SOC 2 + ISO 27001 attestations
  • Private cloud / VPC options
  • 99.99% uptime SLA + indemnification
Per-transaction rail fees

Wholesale rates. No markup on FX.

You pay what we pay the rails, plus a transparent platform fee. Conversions at interbank mid-market plus a flat 0.4% spread.

RailStartScaleSpeedReach
ACHACH (US)$0.35$0.181–2 daysUS
RTPRTP / FedNow$0.85$0.42InstantUS
WIRDomestic wire$8.50$4.80Same dayUS
SEPSEPA€0.45€0.221 dayEU/EEA
SEPSEPA Instant€0.85€0.42InstantEU/EEA
FPSFaster Payments (UK)£0.35£0.18InstantUK
SWISWIFT wire$24.00$14.001–3 daysGlobal
PIXPIXR$0.42R$0.22InstantBrazil
UPIUPI / IMPS₹2.50₹1.20InstantIndia
FXConversion (any pair)mid + 0.6%mid + 0.4%Live rate40 pairs

Enterprise rates typically 30–60% lower than Scale · Full rail matrix (26 rails, 140 countries) available on request

Platform fees · Transparent

Usage-based on the things that cost us money.

Vendor onboarding + KYB
Full KYB, ownership, sanctions, TIN match
$12 / vendor
Individual KYC
ID, selfie, document verification
$2.40 / person
1099 e-filing
NEC, MISC, K · filed to IRS
$1.80 / form
Factoring advances
Non-recourse, vendor-paid fee
1.0–3.0% of advance
Card issuance
Virtual free · physical $5 shipping
0.8% interchange share
Agent identities
Per active DID per month
$4 / agent
Digital Employee seats
Each named AI employee (Iris, Kai, etc.)
$800 / mo / agent
Always included · $0

The things you shouldn't pay extra for.

  • API & SDKs
  • MCP server
  • Webhooks + events
  • Sandbox environment
  • Role-based access
  • Audit logs (7y)
  • Dashboard + mobile app
  • Slack + email alerts
  • Plaid bank verify
  • Approval workflows
  • Custom reports
  • GL sync
  • SSO (Scale+)
  • SCIM (Enterprise)
What you get, tier by tier

Everything, side by side.

FeatureStartScaleEnterprise
Platform
Global accounts (currencies)520All 40+
Entities / companies15Unlimited
Team members5UnlimitedUnlimited
Monthly volume$250k$25MUnlimited
Automation
AP automation
AR automation
Factoring
Digital Employee1 agent2 agentsAll 6
Custom approval workflowsLinearConditionalVisual builder
Integrations
NetSuite / QBO / Xero
SAP, Oracle, WorkdaySAPAll
SSO (SAML / OIDC)
SCIM provisioning
Compliance & security
SOC 2 Type II report
Data residency (EU / US / APAC)USUS/EUChoose
Private cloud / VPC deployment
Uptime SLA99.9%99.95%99.99%
Support
Email & chat support24h4h1h
Dedicated CSM
Implementation engineer
FAQ

The small print, in plain English.

Are there any contract minimums?

No. Start and Scale are month-to-month. Enterprise agreements are typically annual with committed volume, but we don't lock you in — cancel with 30 days' notice.

What's the markup on FX?

0.4% on Scale, 0.6% on Start, and negotiable on Enterprise (most customers land between 0.15–0.25%). We quote against the live mid-market rate shown in your dashboard, not against a markup-loaded rate.

Do I need to pay for the sandbox?

No. Sandbox is free for everyone, forever. Full platform parity, unlimited test transactions, fake money that doesn't move.

How does factoring pricing work?

Your vendor pays 1.0–3.0% of the advance amount, priced by their risk score. You pay nothing. We take the risk — non-recourse, fully off your books.

Are agent identities free while I'm testing?

Yes. The first 5 active agents are free on any tier. You're only billed for the 6th and beyond at $4/mo each.

What happens if I exceed my tier's volume?

Nothing breaks. You keep transacting. We bill the overage at the next tier's per-transaction rate — no retroactive penalty, no surprise invoice.

Can I see pricing for my exact mix?

Yes — our pricing tool models your mix of rails, countries, volumes, and modules. Upload a CSV of last month's payouts and we'll return a custom estimate in 60 seconds.

Is there a nonprofit discount?

Registered 501(c)(3) and equivalents get 40% off all platform fees on Scale and Enterprise. Just send us your EIN.

Model your exact mix in 60 seconds.

Upload last month's payout CSV. We'll return pricing across Start, Scale, and a custom Enterprise quote — with the rail, FX, and platform breakdown in writing.

Get custom estimate Talk to sales