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Paid plans start at $2.50/mo.
Finix pricing starts at $2.50 per active sub-merchant per month for Platforms - Standard, plus $5 onboarding and card transaction fees. Direct merchants processing under $1 million annually start at $250 per month, with subscription pricing that varies by transaction volume. Above $1 million, pricing is custom. There is no free plan, and annual prices are not published. Before signing, check which payment methods and add-ons you need: several carry separate fees, and the pricing details include an account-updater rate with inconsistent units.
01Every plan, line by line
| Plan | Billed annually | Billed monthly | Built for |
|---|---|---|---|
| Direct Merchants - Standard | — | $250 | Merchants processing under $1M annually |
| Direct Merchants - Custom | — | Quote | Merchants processing over $1M annually |
| Platforms - Standard | — | $2.50 | Platforms and marketplaces |
| Payouts | — | Quote | Businesses needing payout services |
Add-ons and overages
- Direct merchant card-present: $0.08 or 0.00% + $0.15
- Direct merchant card-not-present: $0.15
- Amex processing: 0.30% per transaction, or 0.30% + $0.15
- Account updater: $0.55/update (also listed as 0.55 cents)
- Card network tokenization: 0.15 cents/update
- Subscription billing: 0.4%
- ACH: 1% same-day ($1 minimum, $10 maximum); standard 1.00% + $0.25 (maximum $10); two-day 1.20% + $0.25
- ACH validation: $0.55; Plaid integration/validation: $3.00
- ACH returns: $5 each; ACH notice of change: $3.00
- ACH instant payout: 1.5%; card and ACH disputes: $30
- Cash App: 2.90% + $0.30; Afterpay: 6.00% + $0.30
- PCI non-compliance: $35/month until remediated
- Optional Cybersource gateway: $25/month
02What the plan grid doesn't tell you
Transaction and onboarding fees
Platforms - Standard adds $5 per sub-merchant onboarding and card transactions at 0.30% + $0.15, on top of the $2.50 monthly fee.
Payment method charges
ACH rates vary by speed: same-day is 1% with a $1 minimum and $10 maximum; standard is 1.00% + $0.25, capped at $10.
Compliance and gateway fees
PCI non-compliance costs $35/month until remediated. The optional Cybersource gateway is listed at $25/month.
Add-on and account fees
Disputes cost $30 each, and subscription billing is 0.4%. Account updater is listed as $0.55/update and also as 0.55 cents.
03Which plan should you buy?
| If you are… | Get | Why |
|---|---|---|
| Direct merchants under $1M | Direct Merchants - Standard | Starts at $250/month, but the subscription price varies with transaction volume. |
| Direct merchants over $1M | Direct Merchants - Custom | Built for more than $1M in annual processing; pricing is custom and requires contacting sales. |
| Platforms and marketplaces | Platforms - Standard | Costs $2.50 per active sub-merchant monthly, plus $5 onboarding and card transaction fees. |
04Is Finix worth the money?
Finix may fit businesses that need payment acceptance, billing or payouts in one platform, but the listed price is not the whole cost. Direct merchants need to account for a volume-dependent subscription and payment-method fees; platforms pay per active sub-merchant, plus onboarding and transaction charges. Payouts pricing is custom, and annual rates are not published. We would ask sales for a written breakdown based on payment mix and expected volume before comparing Finix with alternatives.
Finix pricing FAQ
What is the cheapest Finix plan?
The lowest listed starting price is Platforms - Standard at $2.50 per active sub-merchant per month. It also lists $5 per sub-merchant onboarding and card transactions at 0.30% + $0.15. Direct Merchants - Standard starts at $250 per month.
Does Finix offer a free plan or trial?
Finix does not list a free plan. A free trial is not published on the vendor's site, so ask Finix whether a trial or evaluation period is available before committing.
Does Finix offer annual billing?
Annual billing prices are not published. The listed Direct Merchants - Standard subscription is monthly at a starting price of $250, with pricing that varies by transaction volume. Custom pricing is available through sales for some plans.
What extra fees should I budget for?
Budget for fees beyond the base subscription or per-sub-merchant price. Listed charges include onboarding, card and ACH transactions, disputes, and optional services. PCI non-compliance is $35/month until remediated, and the optional Cybersource gateway is $25/month.