Pricing for B2B SaaS

No. PAI'D's transaction fee is one flat schedule on every plan: 1% per transaction, plus $0.10 only on payments over $20.00. Starter is $0/mo; Growth adds a flat $499/mo subscription. No minimum volume commitment, no setup fee, no platform fee on subscription revenue. Your payment provider's own fees (e.g. Stripe) are separate and additional — we never hide them inside our rate.

PAI'D's fee is 1% + $0.10 on payments over $20 — charged in addition to your provider's own fees. If you settle via Stripe (2.9% + 30¢ per card, their published rate), a $100 card payment costs $2.90 + $0.30 to Stripe plus $1.10 to PAI'D — $4.30 all-in. Card-only volume is not cheaper than raw Stripe — the value is multi-rail orchestration and the compliance layer. Source: stripe.com/us/pricing, verified 2026-07-10.

Same flat schedule as every rail: PAI'D charges 1% + $0.10 on payments over $20, in addition to the ACH provider's own fee (e.g. Stripe's 0.8% capped at $5). We don't add a platform fee on subscription revenue, and we don't gate evidence exports, status pages, or signed webhooks behind an upcharge.

Yes — switch in the billing portal at any time. Annual to Monthly prorates the unused annual credit forward. Monthly to Annual applies the two-months-free discount on the next renewal.

Upgrades take effect immediately with a prorated charge. Downgrades take effect at the end of the current billing cycle so you don't lose access mid-month. Enterprise contracts are negotiated — talk to us before downgrading.

Three triggers, usually: (1) you cross $5M ARR, (2) procurement requires single-tenant or multi-region deployment, or (3) compliance requires a redlined MSA or DPA. If any apply, email [email protected] directly.

Dispute tracking is included on every tier — no per-dispute add-on. NACHA return-code handling and mandate capture are live on the platform ACH rail; ACH auto-debit for recurring subscriptions is on the roadmap (Phase 1B). Visa CE 3.0 evidence auto-assembly is on the roadmap; today we track and surface disputes but you assemble the evidence pack. Card-network chargeback fees ($15 per dispute, set by the networks) are passed through at cost — we never mark them up.

Yes. Starter cancels instantly with no contract. Growth cancels at the end of the current billing cycle — annual contracts are non-refundable for the unused balance, but you keep access through the paid-through date. Enterprise follows the MSA.