Pricing
Pricing built for payment operations, not vanity tiers.
Start on PAYG, upgrade when the numbers justify it, and keep customer payment flows running while your billing state catches up.
Upgrades activate after payment
Businesses start on PAYG by default. When a team moves to a paid plan, the new plan activates only after the billing invoice is settled.
Renewals can fall back to PAYG
If a paid cycle invoice is not renewed by the end of the grace window, the subscription automatically drops back to PAYG.
Receiving stays open
Plan status does not block the core payment flow. Teams can continue receiving customer payments while billing is regularized.
PAYG
Pay as you go
$0
/month
Start free and pay only when you process.
1.0% per invoice
$0.10 minimum invoice fee
$0.00 linked payout fee
No free linked payout quota
$0.08 standalone withdrawal fee
Applies when funds move outside a linked invoice payout path.
- No monthly commitment
- Best for early-stage volume
- Upgrade only when the economics justify it
GROWTH
Growth
$99
/month
$49/month for your first 3 billing cycles.
0.65% per invoice
$0.05 minimum invoice fee
500 free linked payouts, then $0.01 each
Built for teams with repeat operational flow
$0.03 standalone withdrawal fee
Applies when funds move outside a linked invoice payout path.
- Lower processing cost at steady volume
- Cheaper operational withdrawals
- Better economics for recurring customer collections
Enterprise
Enterprise
$299+
/month
Custom commercial terms for large-scale teams.
0.25%–0.45% negotiated invoice fee
$0.05 minimum invoice fee
Up to 1,000,000 linked payouts included in the template
Commercial customization and contract-based support
$0.00 standalone withdrawal fee
Applies when funds move outside a linked invoice payout path.
- Volume pricing bands
- Custom treasury and payout terms
- Designed for high-throughput finance operations
Billing model
Designed to scale with transaction reality.
Invoice fee floor is enforced
PAYG uses a $0.10 invoice fee floor. Growth and Enterprise move that down to $0.05 while keeping lower percentage rates.
Gas remains pass-through
Network gas is not hidden inside marketing prices. The platform fee model stays explicit so finance teams can reconcile precisely.
Best fit depends on operational mix
If you mostly receive invoices, Growth lowers your effective rate. If you need custom treasury and payout terms, Enterprise is the right negotiation path.
Compare plans
What changes as volume grows.
FAQ
The operational questions teams ask before they go live.
What plan does a new business start on?
Every new business starts on PAYG. That keeps onboarding simple and lets teams process before committing to a monthly subscription.
Do I need to pay before upgrading?
Yes. A paid-plan upgrade creates a billing invoice. The new plan is applied only after that invoice is paid.
What happens if I miss a renewal?
At the end of the grace period, the account drops back to PAYG automatically. It does not need a fresh signup flow.
Are gas and network costs included?
Network gas remains pass-through. The pricing page reflects PayChainHQ platform fees and the operational fee model around invoices and payouts.