Pricing

Pay for what moves, not for seats

A flat platform fee plus a small per-payment rate that shrinks as your volume grows. No seat licenses, no implementation invoices, no surprises in March.

MonthlyAnnual–20%

Annual billing takes 20% off platform fees. Payment fees are always billed on actual volume.

Estimate your payment fees

Drag to your monthly outbound volume and each plan below updates its estimate.

Monthly payment volume$250K

Growth

For teams getting their first global flows live.

$0/mo platform fee

billed monthly, cancel anytime

~$625/mo estimated payment feesat $250K volume · 0.25% per payment
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  • Up to 5 connected bank accounts
  • Payments in 40+ currencies
  • FX at mid-market +0.40%
  • 5 corporate cards with 1% cash back
  • Single-step payment approvals
  • Email support
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Scale

For finance teams running real volume every week.

$499/mo platform fee

billed monthly, cancel anytime

~$375/mo estimated payment feesat $250K volume · 0.15% per payment
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Everything in Growth, plus

  • Up to 25 accounts across 3 entities
  • FX at mid-market +0.20%
  • Batch payments and multi-step approvals
  • 100 cards with budgets and 1.5% cash back
  • Cash forecasting and 4.1% yield on idle cash
  • Priority support with a 4-hour response

Enterprise

For global, multi-entity organizations.

Custom

Annual agreements with negotiated terms

Volume-based payment ratesmodeled with you at $250K+ volume
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Everything in Scale, plus

  • Unlimited accounts and entities
  • Custom FX routing and negotiated rates
  • Credit lines up to $20M
  • Unlimited cards with custom controls
  • Dedicated finance operations manager
  • 99.99% uptime SLA, SSO, and audit exports

Compare

Every plan, side by side

Click a group header to collapse it and focus on what matters to your team.

FeaturesGrowthScaleEnterprise
Domestic transfers
International payments40+ currencies40+ currencies40+ currencies
FX margin over mid-market0.40%0.20%Custom
Batch payments—
Approval workflowsSingle-stepMulti-stepCustom
Payments API access
Connected bank accountsUp to 5Up to 25Unlimited
Legal entities13Unlimited
Cash forecasting—
Yield on idle cash—4.1% APY4.3% APY
Auto-sweep rules—
Corporate cards5100Unlimited
Cash back on spend1.0%1.5%Custom
Budgets with auto-lock—
Virtual cards
Receipt capture and auto-coding
Email support
Priority response (4 hours)—
Dedicated finance ops manager——
OnboardingSelf-serveGuidedWhite-glove
Uptime SLA——99.99%

All plans include the payments API, audit logs, and unlimited users at no extra cost.

FAQ

Pricing questions, answered

Volume is the total value of outbound payments you send through Keelstone in a calendar month — wires, local rails, and FX conversions each count once. Incoming funds and transfers between your own Keelstone balances are free and never count toward volume.
Annual billing takes 20% off the platform fee, paid up front for the year. Per-payment fees are always billed monthly on the volume you actually moved, so a quiet month costs you less — there is no minimum commitment on volume.
Yes. Upgrades take effect immediately and we prorate the difference to the day. Downgrades apply at your next renewal so you never lose features mid-month. Growth has no contract at all — you can leave whenever you like and export everything.
No. FX is priced at the mid-market rate plus the margin shown on your plan, locked before you confirm any transfer. Where a correspondent bank charges a fee on an international wire, we show it before you hit send — never after.

Moving more than $5M a month, or something unusual on your books?

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