What Saifuro costs
A monthly platform fee, a small charge per decision above the included volume, and a fee on money that settles through Saifuro. Rail and network fees pass through at cost. Nothing is ever deducted from a payment.
Fees are invoiced monthly, not taken out of the payment. A refused payment carries no settlement fee.
How we price
Decisions carry a small fixed price. Money your agents pay out carries a fee capped at $25 per payment. Money you receive carries a graduated rate that falls as volume grows.
Fees are invoiced monthly. Nothing is deducted from a payment. We hold no float, take no custody, and have no share of interchange.
No setup fee, no per-agent or per-seat charge, no charge for exports or verification, and no settlement fee on a refused payment. Rail and network fees appear on the invoice at cost.
Every change is dated on this page and announced 30 days ahead. Prices in a signed contract hold until renewal.
Plans
Evaluation
For deciding whether Saifuro earns the authority to block. It starts with a technical call; there is no signup form.
Production
MOST TEAMSFor agents spending or earning in production.
Enterprise
For serious volume and the audits that come with it.
Fee schedule
$1,000 per month
Production. Enterprise is annual, from $5,000 per month.
500,000 per month included, then $0.10 per 1,000
Every evaluated request, any verdict, either side.
0.75% to 0.30%, graduated
0.75% on the first $250,000 settled in a month · 0.50% from $250,000 to $1,000,000 · 0.30% above $1,000,000. Payments you receive that Saifuro metered, billed, or settled.
0.25%, capped at $25 per payment
Payments your agents make that Saifuro routed to a provider.
0.25% of the escrowed amount on release, minimum $1 per deal
Charged to the customer that created the escrow. Nothing on refund or expiry.
At cost
Itemized on the invoice. No markup.
How we count
Four months, worked
Procurement agents
Cards and bank transfers. Money out $60,000: one $40,000 vendor payment and 239 smaller payments totaling $20,000. 3,100 decisions.
Agents buying data and APIs
Over x402. 2,400,000 requests at about $0.01 each; $24,000 routed out.
An API selling to agents
6,000,000 metered requests; $180,000 received.
1.6% of revenue, before rail fees at cost
Agent-to-agent marketplace
$400,000 settled between agents on one platform; $150,000 of it through escrow in fifteen $10,000 deals, $140,000 released and one $10,000 deal refunded. 90,000 decisions.
What we do not charge for
Setup or implementation on Production · agents, seats, or mandates · settlement on refused payments, or on payments rejected in review · verification of a signed verdict · exports and webhooks · policy versions, revocations, and mandate changes · observe mode during evaluation · an escrow that refunds or expires · float, custody, or interchange, because we have none
Billing terms
Effective 2 September 2026.
Changes
September 2026. Replaced the Build, Team, and Enterprise plans and the single 0.75% rate on all settled volume with a platform fee, a per-decision charge above an included volume, and separate rates for money in and money out. The old model charged 0.75% in both directions with no cap and no per-decision component. It priced a policy check on a large payment far above the work involved, priced high-volume micropayments below the cost of recording them, and could charge both sides of an agent-to-agent payment. This version fixes all three.
Pricing questions
Why is there a platform fee?+
Because most of what Saifuro does is not proportional to the money. The policy engine, signed verdicts, the append-only log, and a person who answers cost the same whether an agent moves $100 or $100,000. The platform fee pays for that. The settlement fees pay for routing, adapters, receipts, metering, and reconciliation on money that actually settles through us.
Why do denied decisions cost the same as approvals?+
Evaluating a request costs the same whatever the verdict, and a control system should not earn more by saying yes. Pricing every decision the same removes that incentive. A denial still costs nothing in settlement fees, and at $0.10 per thousand the decision fee is a rounding error next to what a wrong approval costs.
Why are money in and money out priced differently?+
They are different amounts of work. On money you receive, Saifuro meters each request, applies your pricing, bills, settles through your provider, and handles refunds and disputes. On money your agents pay, it authorizes, routes, and records. The lower rate and the $25 cap reflect that.
Why is money out capped and money in not?+
Money out is capped because a policy check on an $80,000 vendor payment is worth about what a policy check on an $8,000 one is worth, and a percentage without a cap would say otherwise. Money in is graduated instead, because metering and billing scale with request volume, and the rate falls as volume grows. A cap there would also invite batching purely to reach it.
Do I pay anything during evaluation?+
No. Observe mode runs on your production traffic for about thirty days and nothing is invoiced. It can be extended by agreement. The report at the end shows your decision counts and settlement mix, which is why your first invoice is not a surprise.
What do I pay in detective mode?+
Decisions only. In detective mode payment credentials stay in your environment, Saifuro evaluates and records, and the payment settles through your provider without passing through us. There is no settled volume to charge.
How are agent-to-agent payments charged?+
Once. When both sides are Saifuro customers, or both are agents of the same customer, the receiving side pays the money-in rate and the paying side pays no settlement fee on that payment.
What counts as a decision on the sell side?+
Each paid request Saifuro metered. A batch that settles ten thousand requests in one transaction is ten thousand decisions and one payment.
Are there per-agent charges?+
No, and deliberately. Credentials are issued per agent so that a mandate attaches to an identity. Charging per agent would push teams to share credentials across agents, which is exactly what the threat model exists to prevent.
Is there a minimum term or a setup fee?+
Production is monthly with 30 days' notice and no setup fee. Enterprise is annual, and implementation is scoped in the contract.
What happens above $5M settled per month?+
Rates are set in an Enterprise contract. The published schedule already falls to 0.30% above $1M; contracts above $5M set their own numbers on your volume.
Do rail and network fees change what I pay you?+
No. Card networks, providers, and chains charge their own fees. They appear on the invoice at cost and Saifuro adds nothing to them.
What if a payment is refunded?+
A payment reversed in full within 30 days comes out of settled volume, so its settlement fee is not charged. The decisions behind it stand.
Will these prices change?+
When they do, the change is dated on this page and announced 30 days in advance. Prices in a signed contract hold until renewal.
Is there a cheaper plan for small volumes?+
No. The platform fee is the honest cost of a control plane with named people behind it. If your agents move a few thousand dollars a month on one rail, a card limit is probably still enough, and the free evaluation is a cheap way to find out.
Price it on your numbers
Bring your expected volumes to the demo and we will put the fees next to them, or run the evaluation and let the report do it.