No hidden fees, no surprises. Pay only for what you use, with volume pricing available as your business grows. Every plan includes full API access and developer tooling.
Switch to annual billing to save 20{2bcfb57da8a407e5f86b2079ab0121d376dae471f40ca0f3ca7f1d2f2857468d} across all plans.
Pricing Plans
Start free in the sandbox, scale to production, or go fully custom — app-column grows with your team.
Starter
Free forever. No credit card required.
Perfect for exploring app-column's APIs in a sandboxed environment before going live.
Start for freeGrowth
Billed monthly. Cancel anytime.
For teams shipping production-grade financial products that need reliability and scale.
Get startedEnterprise
Volume discounts available. Annual contracts.
Purpose-built for fintechs and enterprises that require compliance, custom contracts, and white-glove service.
Contact salesAll plans include access to the app-column developer dashboard. Need a custom arrangement? Talk to our team.
No hidden limitations. Every capability is listed so your team can choose the right infrastructure from day one.
| Feature | StarterFree to start | GrowthMost popular | EnterpriseCustom pricing |
|---|---|---|---|
| Core Banking | |||
ACH TransfersSame-day and standard ACH origination & receipt | Standard only | Same-day + Standard | Same-day + Standard + Batch |
Wire TransfersDomestic & international wire origination | Domestic only | Domestic + International | Domestic + International + Priority |
Book TransfersInstant internal ledger-to-ledger transfers | |||
Virtual AccountsProgrammable virtual account creation via API | Up to 50 | Up to 5,000 | Unlimited |
| Ledger & Data | |||
Ledger APIReal-time double-entry ledger with full audit trail | |||
Transaction HistoryQueryable transaction history depth | 90 days | 2 years | Unlimited |
WebhooksReal-time event-driven notifications | 5 endpoints | 50 endpoints | Unlimited endpoints |
Data ExportsCSV, JSON, or direct database exports | |||
| Compliance & Security | |||
Compliance ToolsKYC/AML screening, OFAC checks, SAR filing | Basic KYC | KYC + AML + OFAC | Full suite + custom rules |
SOC 2 Type IICertified infrastructure security | |||
Custom Compliance RulesConfigurable transaction monitoring rules | |||
Role-Based Access ControlGranular team permissions and audit logs | 2 roles | 10 roles | Unlimited + SSO |
| Integrations & Support | |||
Custom IntegrationsBespoke ERP, CRM, or internal system connectors | |||
Support TierChannel and response time | Community + Docs | Email (24h SLA) | Dedicated engineer |
SLA GuaranteeUptime and response commitments | 99.5{2bcfb57da8a407e5f86b2079ab0121d376dae471f40ca0f3ca7f1d2f2857468d} uptime | 99.9{2bcfb57da8a407e5f86b2079ab0121d376dae471f40ca0f3ca7f1d2f2857468d} uptime | 99.99{2bcfb57da8a407e5f86b2079ab0121d376dae471f40ca0f3ca7f1d2f2857468d} + custom SLA |
Sandbox EnvironmentFull-featured test environment with mock data | |||
All plans include SSL encryption, FDIC pass-through eligibility, and a full-featured sandbox environment. Talk to our team for custom enterprise configurations.
Straightforward answers — no marketing speak, no ambiguity. If you don't find what you need here, reach out via our Contacts page.
Yes. Every new account starts with a 14-day free trial on the Growth plan — no credit card required. You get full API access, up to 500 test transactions, and access to our sandbox environment. At the end of the trial you choose a paid plan or your account moves to the free Sandbox tier with read-only production access.
A transaction is any single API call that creates, modifies, or settles a financial event — including ACH transfers, wire initiations, card authorizations, and ledger entries. Webhooks, balance reads, and GET requests do not count toward your volume. Volume resets on your monthly billing anniversary date.
Your service is never interrupted. Once you exceed your included volume, overage pricing applies automatically: $0.012 per transaction on Starter, $0.009 per transaction on Growth. You'll receive an in-dashboard alert at 80{2bcfb57da8a407e5f86b2079ab0121d376dae471f40ca0f3ca7f1d2f2857468d} and 95{2bcfb57da8a407e5f86b2079ab0121d376dae471f40ca0f3ca7f1d2f2857468d} of your limit each month. You can also set a hard cap with automatic plan upgrade to avoid unexpected charges.
Yes, plan changes take effect immediately. Upgrading prorates the difference for the current billing cycle. Downgrading takes effect at the start of your next billing cycle so you keep current-tier access until then. There are no penalties or fees for changing plans.
Yes. Verified 501(c)(3) nonprofits receive 30{2bcfb57da8a407e5f86b2079ab0121d376dae471f40ca0f3ca7f1d2f2857468d} off any self-serve plan. Early-stage startups (under $1M ARR, incorporated within the last 3 years) qualify for our Startup Program: 6 months of Growth at 50{2bcfb57da8a407e5f86b2079ab0121d376dae471f40ca0f3ca7f1d2f2857468d} off. Apply via the Contacts page with your EIN or incorporation documents — approvals typically take 2 business days.
Enterprise contracts are invoiced annually with net-30 payment terms. Pricing is based on committed monthly transaction volume, number of legal entities, and selected add-ons (dedicated support, SLA guarantees, custom compliance modules). You receive a single consolidated invoice covering all workspaces under your organization. ACH, wire, and card payments are all accepted.
Still have questions?
Our team typically responds within one business day.
The API-first banking infrastructure built for developers. Move money, hold funds, and issue cards — all through a single unified API.
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