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Pricing

Pricing that gets cheaper as you get smarter

Pyncht charges two ways and only two ways: a per-transaction rate when we move the money, and a flat monthly subscription for the intelligence that keeps driving that rate down.

The subscription: what the intelligence costs

Every plan starts with the same free analysis of the processor you already use. Paid plans are what happens after it finds something.

Prices in USD, billed monthly. Processing rates are charged separately and are the same on every plan.
Plan Monthly What you get Get started
Starter Read-only $0 /mo

Savings analysis on the processor you already use. Pyncht reads; nothing moves.

  • Monthly cost breakdown to the basis point
  • Opportunity list, ranked by annual value
  • 12 months of history, re-priced
  • One connected processor
 Run the analysis No card required
Growth Recommended $299 /mo

Everything in Starter, plus the optimisation engine that acts on what the analysis finds.

  • Network tokens and account updater
  • Level 3 data on qualifying commercial cards
  • Issuer-aware retries on soft declines
  • Dispute deflection with evidence assembly
  • The AI assistant, on your own cost data
 Start with the analysis Turn Growth on after you see the number
Enterprise Annual Custom

Everything in Growth, plus the controls a finance and security team has to sign off on.

  • Multi-entity and multi-processor analysis
  • Custom routing rules and approval workflow
  • SSO and SCIM provisioning
  • Audit logging with scheduled export
  • Named implementation team
 Talk to sales Scoped in a 30-minute review

Pyncht is a working product prototype. These plans describe the pricing model as designed; they are not yet a live commercial offer.

The processing rate: what moving the money costs

Two ways to be priced. The first is simpler, the second is usually cheaper once you have volume, and the analysis tells you which one you are on the right side of.

Standard

2.9% plus 30¢

per successful domestic card charge

One rate for every card brand, priced the same whether the customer pays with a debit card or a rewards card. No setup fee, no monthly minimum, no PCI compliance fee.

Interchange plus

Interchange plus 0.25%

plus 10¢ per successful charge

The network's own interchange and scheme fees are passed through at cost, itemised per charge, with Pyncht's margin stated separately. Most businesses above roughly $80,000 a month pay less here than on the standard rate.

You do not have to guess which side of that line you are on. The free analysis re-prices your last twelve months both ways and shows the difference in dollars before anything changes. Run the analysis

Everything else, and only when it applies

Additional Pyncht fees charged on top of the per-transaction processing rate
Fee When it applies Rate
International cards Card issued outside the United States +1.5%
Currency conversion Charge settles in a currency other than the one presented +1%
Instant payouts Payout to a debit card in minutes instead of two days 1.5%
Chargebacks Per dispute, refunded in full if you win it $15.00
ACH debits Per successful bank debit, capped at $5.00 0.8%

Refunds return the full amount to the customer. The original processing fee on a refunded charge is not returned to you — that money has already gone to the network — and Pyncht counts it in your effective rate rather than leaving it out of the calculation.

Sample analysis

Growth cost $3,588 a year. It found $110,463.

This is one worked example, run end to end on a synthetic merchant so the arithmetic can be checked rather than believed: a $3.2M-a-year B2B SaaS business taking $269,269 a month across 1,425 charges.

Effective rate
2.49% falls to 2.06%
Change
−43 bps
Authorisation rate
91.88%

This is a sample, not an average and not a promise. What Pyncht finds in your account depends on your card mix, your ticket size, how much of your volume is commercial, and how your current processor prices you. Some accounts are already well priced and the honest answer there is that there is nothing to recover.

Twelve months, as costed
Growth subscription$299 × 12 months
−$3,588
Fee savings identified
$13,901
Revenue recovered from declines
$96,561
Total impact
$110,463
Net of the subscription
$106,875

The subscription is 3.2% of what the analysis found — about 30× return on this sample.

Questions people ask before they sign anything

Nothing in the subscription is metered, so the answer only matters on the processing side. There, a transaction is a successful charge: an authorisation that captures. Failed authorisations, retries that never succeed, and charges your own rules block are not charged for.

A refunded charge keeps its original processing fee — that money has already gone to the network. Pyncht counts it in your effective rate rather than leaving it out of the calculation, which is why the rate we show you is usually higher than the one on your processor's marketing page.

Not to see the analysis. Starter connects read-only to the processor you already use, reads twelve months of history, and gives you the cost breakdown and the opportunity list without touching a single charge.

Acting on some of those opportunities does need the charge to run through Pyncht — network tokens, Level 3 data and issuer-aware retries are decisions made at authorisation time, and nobody can make them from the outside. Others, like fixing descriptors or moving a charge to the right card type, are advice you can apply wherever your volume sits today.

Then you stay on Starter, you pay nothing, and you have a costed twelve months you did not have before. That is a real outcome: some accounts are already priced well, already tokenised, and already retrying properly, and the useful thing we can tell you is to leave it alone.

Turning Growth on is a separate, deliberate decision you make after the number is in front of you. We would rather lose the subscription than sell one that cannot pay for itself.

Growth is $299 a month, charged in advance to a card or by ACH, per Pyncht account. It is a flat fee: it does not move with your volume, your number of charges, or how much the engine saves you, so the price never punishes a good month.

If you process through Pyncht, processing fees are netted out of your payouts and itemised on the same statement, so there is one place to reconcile rather than two.

No minimum term and no volume commitment on Starter or Growth. Cancel Growth and it stops at the end of the month you have paid for; the analysis, the history and the exports stay available on Starter.

Enterprise agreements are annual, because the implementation work and the security review on both sides only make sense over a year.

Four things, in roughly this order: how many legal entities and processors have to be analysed together; how complex the routing rules are; what the security and procurement review requires; and how much implementation work sits on our side of the line.

Volume affects the processing rate rather than the subscription. Both are quoted in writing after a scoping call, and neither is priced as a share of what we save you.

Still deciding? Ask us the awkward version of the question — or read how the analysis works in the documentation.

Start with the number, not the plan

Connect your current processor read-only and see twelve months re-priced. If there is nothing to recover, Starter stays free and we will say so.

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