Transparent & Flexible

Straightforward Pricing. No Surprises.

Choose the plan that fits your scale. All plans include FDIC-backed infrastructure, core API access, and dedicated onboarding support.

Monthly
AnnualSave 20{3f4cd377fe25a7e84ab3993f5d00e9cc8ba900feaacaf9edb702c1a6ec258e9f}

Transparent Pricing

Plans That Scale With Your Business

No hidden fees. No surprise overages. Each plan lists exactly what's included — and what isn't — so your finance team can plan with confidence.

Starter

$499/month

For fintechs launching their first card program.

What's Included

  • Up to 5,000 active cards
  • ACH transfers (push & pull)
  • Push-to-card disbursements
  • Standard KYC identity verification
  • Sandbox & testing environment
  • REST API access with documentation
  • Email support (48h response SLA)
  • Basic spend controls & velocity rules

Not Included

  • Virtual card issuance — Growth plan only
  • AML transaction monitoring — Growth & above
  • Advanced KYB for business accounts — Growth & above
  • BaaS deposit accounts — Enterprise only
  • Dedicated compliance team — Enterprise only
  • Custom SLA uptime guarantees — Enterprise only
Get Started
Most Popular

Growth

$1,999/month

For scaling businesses with growing card volumes.

What's Included

  • Up to 50,000 active cards
  • Virtual card issuance (on-demand)
  • ACH transfers (push & pull)
  • Push-to-card disbursements
  • Advanced KYC identity verification
  • KYB for business account onboarding
  • AML transaction monitoring & alerts
  • Custom card controls & spending rules
  • Priority support (4h response SLA)
  • Dedicated onboarding specialist

Not Included

  • BaaS deposit accounts — Enterprise only
  • Commercial lending integration — Enterprise only
  • Dedicated compliance team — Enterprise only
  • Named account manager — Enterprise only
  • 99.99{3f4cd377fe25a7e84ab3993f5d00e9cc8ba900feaacaf9edb702c1a6ec258e9f} uptime SLA — Enterprise only
Start Free Trial

Enterprise

Custom pricing

For institutions demanding full infrastructure control.

What's Included

  • Unlimited active cards
  • BaaS deposit account infrastructure
  • Commercial lending integration
  • Virtual & physical card issuance
  • Full KYC / KYB / AML compliance suite
  • Dedicated compliance team
  • Named account manager
  • 99.99{3f4cd377fe25a7e84ab3993f5d00e9cc8ba900feaacaf9edb702c1a6ec258e9f} uptime SLA with penalties
  • Custom API rate limits & throughput
  • Co-branded white-label capability
  • On-premise or private cloud deployment
  • Quarterly business reviews

Not Included

  • All features are included — pricing varies by usage volume and custom integrations. Contact sales for a tailored quote.
Talk to Sales

All plans billed monthly. Annual billing available with up to 20{3f4cd377fe25a7e84ab3993f5d00e9cc8ba900feaacaf9edb702c1a6ec258e9f} savings — ask us. Contact sales to discuss volume pricing or regulatory requirements.

Pricing FAQ

Clear answers to common pricing questions

No hidden fees, no fine print surprises. Everything you need to know about how pehtwand billing and plan management works.

There are no setup or onboarding fees for our Starter and Growth plans — you pay only the monthly subscription and any applicable per-transaction costs. Enterprise plans may include a one-time implementation fee depending on the complexity of your integration, which is disclosed upfront in your custom quote. We believe in full pricing transparency before you commit.

All plans are billed monthly in advance for the base subscription fee, with per-transaction charges applied in arrears based on your actual usage during that billing cycle. You'll receive a detailed invoice at the start of each month showing both components clearly. Annual prepayment is also available at a discounted rate — contact our team for details.

Yes, you can upgrade your plan at any time and the change takes effect immediately, with a pro-rated charge applied for the remainder of your billing cycle. Downgrades take effect at the start of your next billing cycle, so you retain full access to your current plan's features until then. There are no penalties or fees for changing plans.

An active card is any virtual or physical card that has been issued and has recorded at least one transaction — whether an authorization, capture, or refund — within the current billing month. Cards that have been issued but remain unused do not count toward your active card limit. Cards that are suspended or permanently closed are also excluded from the count.

We offer a 14-day sandbox environment at no cost, giving you full access to our API, card issuance simulator, and developer documentation so you can evaluate pehtwand before committing to a paid plan. No credit card is required to access the sandbox. When you're ready to go live, you choose the plan that fits your scale.

Standard API calls — including card creation, balance reads, and transaction queries — are included within your plan's monthly allocation and do not incur additional charges. High-volume or specialized endpoints, such as bulk card issuance or real-time webhook streams, may count against a separate API call quota depending on your plan tier. Your dashboard provides real-time usage monitoring so you're never caught off guard.

If you exceed your plan's active card limit, additional cards are automatically enabled at our published overage rate — currently $0.15 per additional active card per month — so your operations are never interrupted. You'll receive an email notification when you reach 80{3f4cd377fe25a7e84ab3993f5d00e9cc8ba900feaacaf9edb702c1a6ec258e9f} and 100{3f4cd377fe25a7e84ab3993f5d00e9cc8ba900feaacaf9edb702c1a6ec258e9f} of your card limit. We recommend upgrading your plan if you regularly approach your limit to benefit from lower blended per-card rates.

Reach out to our enterprise sales team via the Contacts page or by emailing [email protected] with a brief description of your expected card volume, geographic markets, and any specific compliance or integration requirements. We typically respond within one business day and can arrange a scoping call to understand your needs before preparing a tailored proposal. Enterprise agreements include dedicated support, custom SLAs, and volume-based pricing.

Still have questions? Our team is ready to help.

Talk to our sales team
pehtwand

Banking Infrastructure Built for What's Next. Powering the financial products of tomorrow, today.

Financial insights to your inbox

Industry trends, product updates, and regulatory guidance — delivered monthly.

pehtwand Financial Services | [email protected] | +1 (800) 734-9826 | 350 N. LaSalle St, Suite 800, Chicago, IL 60654
© 2026 pehtwand. All rights reserved.

pehtwand is not a bank. Banking services are provided by partner FDIC-insured institutions. All product names, logos, and brands are property of their respective owners.