> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fyatu.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Pricing

> FYATU CaaS fee schedule — card issuance, funding, transaction fees, and subscription pricing.

# CaaS Pricing

FYATU CaaS pricing is program-specific. Base rates are shown below. Your final rates are configured when your program is set up and are visible in the portal under **Programs → Fee Schedule**.

<Info>
  All fees listed are indicative. Your actual rates may vary based on your agreement, card network, currency, and region. Contact your FYATU account manager for a custom quote at [platform.fyatu.com](https://platform.fyatu.com).
</Info>

## Monthly Subscription

| Tier       | Monthly Fee | Included Cardholders | Included Cards |
| ---------- | ----------- | -------------------- | -------------- |
| Starter    | \$199/mo    | Up to 500            | Up to 500      |
| Growth     | \$499/mo    | Up to 2,500          | Up to 2,500    |
| Scale      | \$999/mo    | Up to 10,000         | Up to 10,000   |
| Enterprise | Custom      | Unlimited            | Unlimited      |

Monthly fees are invoiced at the start of each billing cycle. A `billing.invoice_created` webhook fires when a new invoice is generated.

## Card Issuance

| Fee Type              | Rate                                        |
| --------------------- | ------------------------------------------- |
| Virtual card issuance | $0.00 – $1.00 per card (program-specific)   |
| KYC verification      | Included for SANDBOX; per-check fee in LIVE |

## Transaction Fees

| Fee Type                  | Rate                                 |
| ------------------------- | ------------------------------------ |
| Domestic purchase         | 0% – 0.5% of transaction amount      |
| Cross-border purchase     | 1.0% – 2.0% of transaction amount    |
| International decline fee | $0.05 – $0.25 per declined attempt   |
| Currency conversion       | Mid-market rate + 0.5% – 1.5% spread |

## Funding Fees

| Fee Type                        | Rate                                     |
| ------------------------------- | ---------------------------------------- |
| Card load (from program ledger) | $0.00 – $0.50 per load                   |
| Card unload                     | \$0.00                                   |
| Program ledger deposit (crypto) | 0% – 1.0% depending on asset and network |

## Webhook Delivery

Webhook delivery is included in all subscription tiers at no additional cost.

## Overage Fees

Cardholders and cards beyond the plan's included quantity are billed monthly:

| Item                   | Rate                               |
| ---------------------- | ---------------------------------- |
| Additional cardholders | $0.10 – $0.25 per cardholder/month |
| Additional cards       | $0.10 – $0.25 per card/month       |

***

## Understanding Amounts in the API

All amounts in API **responses** are in **cents** (integer). Amounts in API **requests** are in **full currency units** (decimal):

```json Request body — full units theme={null}
{ "amount": 50.00 }    // = $50.00
```

```json Response body — cents theme={null}
{ "amountCents": 5000 }  // = $50.00
```

***

## Questions?

Contact your account manager or reach out via the FYATU portal at [platform.fyatu.com](https://platform.fyatu.com) for a custom pricing discussion.