Simple pricing for payments that settle in minutes.
Bill payments and global payouts on a single platform powered by stablecoins. Predictable subscriptions. Simple, transparent transaction fees.
Curious what your bank is actually costing you?
Calculate your annual FX and wire fee leakage, and see it stacked up against these plans.
Every plan starts with a 30-day free trial. No credit card required.
Free
For freelancers who only need invoicing.
No card needed
Includes:
- Invoicing
- Create and send unlimited invoices in stablecoins or fiat
- CSV export
- Support
- Help center and async email support
Starter
For freelancers, contractors and companies getting started.
USD per month
Includes:
- Request Business Account
- 1 virtual account, activated after self-serve KYB
- Off-ramp to bank account: 1% + fixed fees
- Payments
- Free stablecoin payouts, unlimited volume
- Unlimited fiat payouts
- Batch payments
- Payroll
- Workspace
- 1 team member, 1 entity
- CSV export
- Support
- Help center and async email support
Growth
Most popularFor recurring finance operations.
USD per month
Everything in Starter, plus:
- Request Business Account
- Up to 3 virtual accounts
- Off-ramp fee reduced to 0.5% + fixed fees
- Payments
- Approval workflows
- Accounting & Integrations
- QuickBooks Online and Xero
- Automated reconciliation
- Workspace
- Unlimited team members, 1 entity
- Support
- Priority support (live chat, median response 2h)
Pro
For structured finance teams.
USD per month
Everything in Growth, plus:
- Payments
- Expense management
- Workspace
- Up to 15 virtual accounts, up to 3 entities
- Integrations
- API access
- Support
- Dedicated senior CSM
- Slack support
Enterprise
Multi entity setups, NetSuite and custom workflows. Built around your stack, priced on request.
Transaction Pricing
Simple, flat transaction fees
Your subscription covers the platform. Transaction fees are separate, transparent, and always flat: no tiers, no surprises.
Stablecoin Payouts
Send crypto to vendors, employees, or partners directly from your treasury.
Off-ramp to your bank account
A percentage of the amount, plus a fixed fee that covers the banking rail.
Starter: 1% · Growth and above: 0.5%
Fixed fee: $10 per local transfer (ACH, SEPA, domestic rails), $30 per SWIFT transfer
Examples on Growth:
- $2,000 local transfer: $10 + $10 = $20
- $10,000 SWIFT transfer: $50 + $30 = $80
- $50,000 local transfer: $250 + $10 = $260
Stablecoin payouts: free, on every plan.
Business Account
Fees apply only when adding money to your account.
| Funding method | Fee |
|---|---|
| USDC top-up | Free |
| USDT top-up | 0.30% |
| Bank top-up (USD, local & international) | 0.30% |
| Bank top-up (EUR, BRL, MXN & GBP) | 0.60% |
Enterprise needs? Custom contracts, dedicated CSM, and tailored pricing available. Talk to sales →
Straight answers
The four questions every finance team asks us
We already have a bank account.
Banks don't do stablecoins, and they charge you 1.5-3% in FX spread plus fixed wire fees every time you pay someone abroad. Request gives you Business Accounts and stablecoin rails in one place, so you stop paying the cross-border tax without giving up the tooling.
We're not ready for crypto.
You don't have to be. Start with the Business Accounts and AP/AR alone, and switch on stablecoin payouts whenever you're ready. It's modular, and you never have to hold a digital asset to use it.
What about compliance and KYB?
KYB is required before you go live and usually takes a few days. We think that's a feature: it means your counterparties are verified too, and your auditors get a complete paper trail.
We already use Coinbase or Binance.
Those are wallets, not finance platforms. No invoicing, no approval workflows, no payroll, no accounting reconciliation, no bank payouts. Request is the layer on top.
Free | Starter | Growth | Pro | |
|---|---|---|---|---|
| Start free trial | ||||
| Start free trial | Get started for free | Start free trial | Start free trial | Start free trial |
Request Business Account | ||||
| Virtual accounts | - | 1 | Up to 3 | Up to 15 |
| Self-serve KYB activation | Not included in Free | Included in Starter | Included in Growth | Included in Pro |
| Off-ramp fee | - | 1% + $10 local / $30 SWIFT | 0.5% + $10 local / $30 SWIFT | 0.5% + $10 local / $30 SWIFT |
Payments | ||||
| Invoicing | Included in Free | Included in Starter | Included in Growth | Included in Pro |
| Free stablecoin payouts | Not included in Free | Included in Starter | Included in Growth | Included in Pro |
| Outgoing bank transfers | - | Unlimited | Unlimited | Unlimited |
| Batch payments | Not included in Free | Included in Starter | Included in Growth | Included in Pro |
| Payroll | Not included in Free | Included in Starter | Included in Growth | Included in Pro |
| Approval workflows | Not included in Free | Not included in Starter | Included in Growth | Included in Pro |
| Expense management | Not included in Free | Not included in Starter | Not included in Growth | Included in Pro |
Accounting & Integrations | ||||
| QuickBooks Online and Xero | Not included in Free | Not included in Starter | Included in Growth | Included in Pro |
| Automated reconciliation | Not included in Free | Not included in Starter | Included in Growth | Included in Pro |
| NetSuite integration | Not included in Free | Not included in Starter | Not included in Growth | Not included in Pro |
| API access | Not included in Free | Not included in Starter | Not included in Growth | Included in Pro |
Workspace | ||||
| Team members | 1 | 1 | Unlimited | Unlimited |
| Entities | 1 | 1 | 1 | Up to 3 |
| CSV export | Included in Free | Included in Starter | Included in Growth | Included in Pro |
Operations | ||||
| Priority routing on all payouts | Not included in Free | Not included in Starter | Not included in Growth | Not included in Pro |
| Custom development available | Not included in Free | Not included in Starter | Not included in Growth | Not included in Pro |
Support | ||||
| Support level | Help center and async email | Help center and async email | Priority support (live chat, median response 2h) | Dedicated senior CSM + Slack |
| Help center and async email support | Included in Free | Included in Starter | Included in Growth | Included in Pro |
| Priority support (live chat, median response 2h) | Not included in Free | Not included in Starter | Included in Growth | Included in Pro |
| Dedicated senior CSM | Not included in Free | Not included in Starter | Not included in Growth | Included in Pro |
| Slack support | Not included in Free | Not included in Starter | Not included in Growth | Included in Pro |
| White-glove onboarding | Not included in Free | Not included in Starter | Not included in Growth | Not included in Pro |
Request Finance has improved the security of our stablecoin payment processes.
David Norris
Head of Finance, Near Protocol
Frequently asked questions
Your questions answered.
Is there a free plan?
Yes. The Free plan lets you create and send unlimited invoices in stablecoins or fiat, with no card needed. Upgrade to Starter when you need a business account and payouts.
Do you offer a free trial?
Yes. Every paid plan comes with a 30-day free trial, with no commitments. You get full access to all features so you can see the value before you pay. If you decide it's not for you, you can cancel anytime during the trial.
How does the pricing work? What do I pay for?
Your pricing has two parts: a monthly subscription that covers the platform (invoicing, payouts, approvals, reconciliation, and more), and transaction fees that apply only when you move money off-ramp to a bank. Fees are flat and simple: stablecoin payouts are always free; bank off-ramps are 1% on Starter and 0.5% on Growth and Pro, plus $10 local / $30 SWIFT per transfer.
How are transaction fees calculated?
Each off-ramp to a bank account costs a percentage of the amount, 1% on Starter and 0.5% on Growth and Pro, plus a fixed fee per transfer: $10 for local rails (ACH, SEPA, domestic) and $30 for SWIFT. The fixed fee covers the cost of the banking network. For example, a $10,000 SWIFT transfer on Growth costs $50 + $30 = $80. Stablecoin payouts are free on every plan. Batch payments and payroll are included from Starter up.
What are funding fees?
Funding fees are a small, one-time cost that applies only when you add money to your Business Account. USDC top-ups are free, USDT top-ups are 0.30%, and USD bank top-ups are 0.30%. These are not recurring: you only pay when you fund your account.
Do you have a yearly payment option?
Yes. Yearly plans include two months free compared to paying monthly.
What payment rails and currencies do you support?
Request Finance supports ACH, SEPA, SWIFT, local fast payment rails, and stablecoin wallets. Send and receive in 25+ currencies with virtual IBANs, including USDC and USDT, and pay vendors in 190+ countries. For your subscription, you can pay with USDC, USDT, or DAI on Ethereum, Polygon, Avalanche, or BSC.
Can I switch plans later?
Absolutely. You can upgrade or downgrade your plan at any time. Changes take effect at your next billing cycle. API access is included from Pro. If you need NetSuite, multi-entity setups beyond Pro, or custom workflows, talk to sales about Enterprise.