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There's a free plan; paid tiers are quoted.
Plastiq has one plan and no subscription fee or monthly or annual billing. There is no fixed starting price: you pay per transaction or delivery. The pricing page lists card payments at 2.99%, ACH/EFT/electronic delivery at $0.99, checks at $1.49, and domestic wires at $8.99. International wires cost $39. Short-term financing is listed at 2.75%–10.65% for registered businesses. The card fee deserves a clear business case before you route vendor payments through Plastiq.
01Every plan, line by line
| Plan | Billed annually | Billed monthly | Built for |
|---|---|---|---|
| Plastiq | — | Quote | Businesses paying vendors or accepting cards |
Add-ons and overages
- Card payments: 2.99%
- Short-term financing: 2.75%–10.65% (registered businesses only)
- ACH/EFT/electronic delivery: $0.99
- Paper check: $1.49
- Wire transfer: $8.99 domestic; $39 international
- Same/next-day payments and overnight checks: starting at 0.2%
- Accept credit cards: free
02What the plan grid doesn't tell you
Paying by card
Card payments cost 2.99%. That percentage can make the service costly for regular vendor payments.
Payment delivery
ACH/EFT/electronic delivery costs $0.99; paper checks cost $1.49. Domestic wires are $8.99 and international wires are $39.
Short-term financing
Financing costs 2.75%–10.65% and is listed for registered businesses only.
Faster payment options
Same- or next-day payments and overnight checks start at 0.2%.
03Which plan should you buy?
| If you are… | Get | Why |
|---|---|---|
| Businesses paying vendors by card | Plastiq | There is no subscription fee, but card payments cost 2.99%; use it when that fee makes sense for your business. |
| Teams managing payment approvals | Plastiq | The plan includes approval workflows, bulk payments, unlimited users, and accounting software sync. |
| Businesses accepting card payments | Plastiq | Card acceptance is listed as free, alongside payment acceptance tools and embedded options. |
04Is Plastiq worth the money?
Plastiq’s no-subscription pricing is straightforward: the plan includes unlimited users, accounting sync, bill management, payment tracking, and approval workflows. The trade-off is that costs depend on how you pay and deliver funds. A 2.99% card fee may be hard to justify for routine vendor bills, while the listed ACH and check fees are fixed. We’d compare the fee with the value card payments provide before switching payment volume to Plastiq.
Plastiq pricing FAQ
How much does Plastiq cost?
Plastiq lists no subscription or monthly or annual plan fee. Charges depend on the transaction or delivery method: card payments are 2.99%, ACH/EFT/electronic delivery is $0.99, paper checks are $1.49, and wires cost $8.99 domestically or $39 internationally.
Is Plastiq free to use?
Plastiq accounts have no subscription fee, but using the service can incur transaction or delivery charges. The pricing page lists fees for card payments, electronic delivery, checks, wires, financing, and faster payment options.
What is Plastiq’s credit card fee?
The pricing page lists card payments at 2.99%. That is a percentage-based fee, so the charge grows with the payment amount. Plastiq also lists card acceptance as free; check the applicable terms for the specific payment flow.
Does Plastiq charge for financing or faster payments?
Yes. Short-term financing is listed at 2.75%–10.65% for registered businesses. Same- or next-day payments and overnight checks start at 0.2%. The pricing details do not specify a single flat price for those faster options.