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Paid plans start at $250/mo.
Finix lists no free plan or free trial, and its homepage does not offer an open-source option to run instead. Direct Merchants - Standard starts at $250 monthly for merchants processing under $1 million annually. Platforms - Standard charges per active sub-merchant, while larger direct merchants need a custom quote. The total can include transaction charges, onboarding, payment-method fees and operational add-ons. Annual-billing prices are not published, so use the monthly terms as the available starting point and confirm a complete quote with Finix.
01Every plan, line by line
| Plan | Billed annually | Billed monthly | Built for |
|---|---|---|---|
| Direct Merchants - Standard | — | $250 | Individual merchants processing under $1M annually |
| Direct Merchants - Custom | — | Quote | Merchants processing over $1M annually |
| Platforms - Standard | — | $2.50 | Platforms and marketplaces |
Add-ons and overages
- Amex processing: 0.30% per transaction, or 0.30% + $0.15
- Account updater: $0.55 per update
- Card network tokenization: 0.15 cents per update
- Subscription billing: 0.4%
- ACH same-day: 1%, $1 minimum and $10 maximum
- Standard ACH: 1% + $0.25, $10 maximum; two-day ACH: 1.20% + $0.25
- ACH validation: $0.55; Plaid integration/validation: $3
- ACH returns: $5 each; ACH notice of change: $3
- 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 monthly until remediated
- Optional Cybersource gateway: $25 monthly
02What the plan grid doesn't tell you
Sub-merchant onboarding
Platforms - Standard lists $5 per sub-merchant onboarding, in addition to $2.50 per active sub-merchant monthly.
Disputes and PCI
Card and ACH disputes cost $30 each. PCI non-compliance costs $35 monthly until remediated.
ACH charges
ACH fees vary by service: same-day is 1% with a $1 minimum and $10 maximum; returns cost $5 each.
Optional services
The listed optional Cybersource gateway costs $25 monthly. Account updater is $0.55 per update.
03Which plan should you buy?
| If you are… | Get | Why |
|---|---|---|
| Merchant under $1M annually | Direct Merchants - Standard | Starts at $250 monthly and lists processing terms for card-present and card-not-present payments. |
| Merchant over $1M annually | Direct Merchants - Custom | Finix quotes custom pricing; processing rates are not published, so request a volume-specific proposal. |
| Platform or marketplace | Platforms - Standard | Charges $2.50 per active sub-merchant monthly, $5 onboarding, and 0.30% + $0.15 per card transaction. |
04Is Finix worth the money?
Finix can make sense for merchants and platforms that need payment acceptance alongside billing, payouts and transaction management. The $250 monthly starting price and paid transaction and service charges make it a poor match for a side project or a team shopping for a free way to prototype. There is no listed free tier or self-hosted alternative to keep costs down. Ask Finix for a quote based on payment mix, volume, active sub-merchants and add-ons, and compare the full monthly cost with your current processor.
Finix pricing FAQ
Does Finix have a free plan?
Finix lists no free plan or free trial. Direct Merchants - Standard starts at $250 monthly. Ask Finix whether it offers sandbox access for development and whether any sandbox usage has separate fees.
What does Direct Merchants - Standard cost?
Direct Merchants - Standard starts at $250 monthly for merchants processing under $1 million annually. Listed terms include 0% markup on interchange and card network fees, plus separate card-present and card-not-present processing charges.
How does Finix charge platforms?
Platforms - Standard costs $2.50 per active sub-merchant per month and $5 per sub-merchant onboarding. Card transactions are listed at 0.30% + $0.15. Add payment methods and other services to your quote when estimating total costs.
Does Finix publish annual pricing?
Annual-billing prices are not published. The listed prices are monthly. Ask Finix for a written quote covering your payment mix, expected volume, add-ons and any contract terms before budgeting.