Fees
For fintech platforms handling customer transactions or businesses with substantial balances, we provide tailored pricing. Reach out to us for more information.
Accounts
Everything you need to start building, at no cost.
Accounts and account numbers
$0
Sandbox with unlimited test data
$0
Webhooks and API access
$0
ACH
Same-day and next-day transfers, with account verification built in.
Same-day ACH transfers
$1.50
/ transaction
Next-day ACH transfers
$0.40
/ transaction
ACH return processing
$4.00
/ transaction
Unauthorized return handling
$12.00
/ transaction
Late return request processing
$20.00
/ transaction
Wires
Domestic and international wires, sent and tracked over Fedwire.
Wire transfer initiation
$12.00
/ transaction
Wire drawdown request
$12.00
/ transaction
International wire transfers
$15.00
/ transaction
Wire transfer tracking
$5.00
/ transaction
Wire recall processing
$25.00
/ request
Checks
Printed, mailed and tracked for you, from a single API call.
Check printing and mailing
$2.50
/ check
Bulk check issuing
$2.00
/ check
Certified check processing
$10.00
/ check
Stop payment request
$20.00
/ check
Questions about pricing
How fees, billing and volume discounts work.
No. You pay for what you use: per transfer, per card and per check. Accounts and account numbers are free to open.
The sandbox is free for as long as you need it, with no limits on test accounts, transfers or cards.
Network fees from the Federal Reserve and the card networks are included in the prices on this page. There are no pass through charges.
Yes. Once you move more than $10 million a month, we set custom rates for ACH, wires and card interchange. Contact sales to get a quote.
Fees are added up daily and invoiced monthly. You can pay by ACH debit from a Backspin account or from an external bank.
ACH returns are charged at the return fee on this page. Returns caused by our systems are never charged.