Product → Pricing → About → 中文 → Apply for access
Pricing

Custom pricing for
each business.

Cross-border payment volume varies widely by business model. Tier names below describe stage, not price. We design pricing per customer and quote on a 30-minute intro call.

Starter

Just shipped your first product

For founders before $250K/month volume. You want simple, fast onboarding and predictable fees.

  • All 4 platform blocks included
  • 20+ currency wallets
  • Email + chat support
  • CSV reconciliation export
Apply →
Most common
Growth

Scaling past $250K/month

For teams hitting real volume across multiple corridors. Pricing tightens as volume grows.

  • Everything in Starter
  • Accounting-ready exports
  • Team access controls
  • Priority support · WhatsApp
  • Volume discounts auto-applied
Apply →
Scale

Eight-figure annual volume

For businesses processing $5M+/month or with complex routing, treasury, or compliance needs.

  • Everything in Growth
  • Dedicated solutions engineer
  • Custom acquirer routing
  • Founder access — Telegram / WhatsApp
  • Quarterly business reviews
Talk to us →

Tier names map to volume stage, not fixed pricing. We quote real numbers on a 30-minute call after looking at your actual flow.

Quick estimate

What cross-border payments typically cost at your volume

A rough monthly estimate based on industry-typical fees, not Settlefi pricing. Settlefi quotes typically land tighter — we earn margin from volume, not each transaction.

Monthly volume $500,000
$10K$10M
Share via card vs. local methods 60% card · 40% local
FX volume (converted between currencies) 25% of volume
Industry-typical cost
$13,500/month
Platform fee$499
Card processing$7,200
Local methods$2,800
FX spread$313
Estimate is rounded and reflects what most providers charge at this volume. Settlefi pricing is set after a 30-minute call — typically tighter than this estimate.

Want a custom Settlefi quote? Apply now →
Included on every plan

No tier-locked tax on the basics.

All 4 platform blocks
Formation, Acquire, Hold & Convert, Operate — every account.
20+ currency wallets
Named virtual accounts, IBANs, local rails.
Reconciliation exports
CSV / Excel with fee + FX breakdown, on demand.
PCI scope handled
Hosted checkout option requires zero PCI work from your team.
Webhook + API
Every transaction, balance, and event readable programmatically.
Founder-direct support
WhatsApp / WeChat / Telegram, in the channel you actually use.
No exit penalty
Cancel any time. You keep your balances. We don't hold money hostage.
Audit log
Every action by every team member, queryable for compliance.
Early customer offer

If you're one of our first 50, this is your deal.

Available to the first 50 customers who onboard. Apply now to secure your spot.

  • $0 monthly platform fee — for life, not just year one
  • Volume-based transaction pricing, set on your actual mix
  • Premium support — founder-direct, no tier required
  • Roadmap input — early customers shape what we ship next
Apply for early access
FAQ

Questions we get a lot.

Because exact rates depend on your card mix, chargeback profile, refund rate, ticket size, and which corridors you're flowing through. Published "starting at X%" numbers always mislead someone. We quote real pricing on a 30-minute call after seeing your actual flow.
No hard floor. We onboard pre-revenue founders on Starter, and we work with $10M+/month merchants on Scale. The 30-minute intro call helps us match the plan to your stage.
Our quoted spread above the mid-market rate. No hidden settlement markup, no second markup at withdrawal. The interbank rate plus our declared spread — that's the rate you get.
Yes — formation has a one-time fee plus state filing costs (which we pass through at cost). Indicative: ~$499 for the Settlefi side, plus the state's filing fee. We don't make margin on registered agent renewals either; those are at cost.
No setup fee on Starter or Growth. Scale plans may include onboarding services billed per scope.
Card network fees pass through at cost — typically $15 per chargeback. We don't add platform markup on dispute fees. We do help you build evidence and prevention.
Yes. Plans aren't contracts — they're starting points. As your volume changes, we re-quote. You never get worse pricing on an upgrade.

See exact pricing for your business.

Apply now — we'll send a quote within 48 hours, no obligation.

Apply for access →