Synctera Labs pricing
$60K/year
Regular program $240K
Only $5K/month, billed annually · No usage minimums · Pay as you go
First programs expected to launch in February 2027.
What it costs
Platform fee, reserve and usage as you go
✓Platform fee: $60K/year $240K, prepaid annually
✓Fraud-loss reserve: $10K, prefunded and topped up monthly
✓Usage billed monthly as you go, at the rates below
✓A verified bank account for ACH auto-debit is required before activation
Ledgers & accounts
Ledger
Per account per month
$1.50
Fraud monitoring
Per transaction or money movement event
$0.01
KYC & KYB
KYC
Per accept, review or decline outcome, no charge for errors
$3.20
KYC document verification
Per document reviewed
$2.00
KYB
Per accept, review or decline outcome, no charge for errors
$11.00
KYB compliance and risk monitoring
Per business per month
$2.10
Card issuing
Card fulfillment
Per card, plus shipping
$7.042
Card processing
Per transaction
$0.10
Virtual card creation
Per virtual card
$0.50
Chargebacks
Per chargeback
$50
3DS authentication
Per authentication request
$0.08
3DS SMS
Per SMS
$0.02
Card network fees
Passed through with no markup
At cost
ACH
ACH standard
Per origination
$0.35
ACH same day
Per origination
$0.425
ACH return
Per return
$1.00
Compliance cases
Compliance case, non-AML
Per case
$15 consumer · $20 business
Compliance case, AML
Per case
$30
Other
External account verification: authentication
Per successful request
$2.20
External account verification: identity
Per successful request
$2.20
External account verification: balance
Per successful request
$0.10
External account transactions: ongoing
Per connected account per month
$0.45
External account transactions: refresh
Per successful request
$0.12
Implementation consultation
First 3 hours
Included
Additional consultation
Per 10-hour block
$2,500
What you make
About half of gross interchange
Subject to program terms · A regular program starts at 70%
Program limits
Program limits on the standard configuration
Every Synctera Labs program runs on the same standard configuration for U.S. customers 18+
Limit
Business programs
Consumer programs
Customers
100 businesses
1,000 consumers
Accounts
1 per business
1 per consumer
Cards
10 virtual + 1 physical per business
1 virtual + 1 physical per consumer
Card spend per customer
$2,500 per transaction, $10,000 per day
$500 per transaction, $2,000 per day
ACH per customer
$5,000 per day
$2,000 per day
Compare
Synctera Labs vs a regular program
Synctera Labs is the better place to start
Compare
Synctera Labs
Regular program
Platform fee
$60K/year
$120K–$240K/year
Commitment
No usage minimums, pay as you go
Fixed platform fee + $50K implementation
ACH standard
$0.35
$0.20
ACH same day
$0.425
$0.30
ACH return
$1.00
$0.40
KYC
$3.20
$1.60
Other usage fees
Rates above
About 50% lower
Interchange you keep
About half
From 70%
Per-unit costs are higher than a regular program
Trade minimums for pay as you go to learn
Graduate to a full program when you're ready: more customization, better economics
Ready to build for real?
Launch your idea with real customers, real money and less up front
Join the waitlistFirst programs expected to launch in February 2027.
Not sure yet? Tell us about your idea
Want more customization and better economics as you grow? Custom programs are available
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