Pricing

Aligned with your growth.

We don't charge per API call, per virtual account, or per KYB submission. We take a small basis-point fee on transaction volume flowing through our rails — so when your platform processes more, both of us do better.

Model

Revenue share, not API metering.

Most infrastructure software charges per unit of use — per API call, per record, per seat. We don't. We charge a small basis-point fee on transaction volume routed through our rails: 15 basis points (0.15%) on Launch, 10 basis points (0.10%) on Growth. Your platform earns a rev-share on that same volume through interchange and network fee participation. Both incentives point in the same direction: grow GMV. The more your platform processes, the more both sides earn — and the more our fees drop as a percentage of your revenue.

Tiers

Three tiers, no surprises.

Launch

$0/mo

No platform fee to start.

0.15% rev share on volume

  • Virtual accounts (up to 500 sub-accounts)
  • ACH Standard (2–3 day) rails
  • KYB onboarding (up to 200 businesses/mo)
  • Sub-ledger engine
  • Sandbox environment
  • Email support
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Growth

$499/mo

Platform fee + rev share savings

0.10% rev share on volume (up to $5M/mo)

  • Virtual accounts (up to 5,000 sub-accounts)
  • ACH Same-Day + RTP rails
  • KYB onboarding (up to 2,000 businesses/mo)
  • FBO account structure management
  • Reg E dispute handling
  • Webhook event streams
  • Dedicated Slack channel
  • Priority support
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Scale

Custom

Negotiated for high-volume platforms.

Rev share negotiated

  • Unlimited virtual accounts
  • ACH Same-Day + RTP + FedNow rails
  • Custom KYB workflows
  • BSA/AML program support
  • Custom sub-ledger schemas
  • SLA guarantees
  • Dedicated integration engineer
  • Quarterly business reviews
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Add-ons

Optional capabilities, priced separately.

FedNow Rail Access

$200/mo add-on to Launch or Growth

Add FedNow instant payment capability to your existing tier.

Extended KYB Volume

$0.50 per KYB submission over tier limit

Scale KYB onboarding volume beyond your tier's monthly cap.

White-Label Onboarding Flow

One-time setup fee — contact for pricing

Custom-branded KYB collection UI embedded in your SaaS product.

Pricing questions

Transaction volume is the total dollar amount of payments initiated through the Mainstreetspine API in a calendar month — ACH debits, ACH credits, RTP, and FedNow transfers all count. Failed or returned payments are excluded from volume calculation.
Your platform earns a share of transaction revenue (via interchange and network fee participation). Mainstreetspine charges you a small percentage of total volume as our infrastructure fee. The exact split depends on your tier and negotiated terms — but both percentages come from the same transaction economics, so we're both incentivized to grow your GMV.
Launch tier has no minimum commitment — you pay only on volume. Growth tier requires a 12-month platform fee commitment. Scale is structured per the negotiated agreement, typically 12–24 months with volume commitments.
We'll reach out before you hit the Launch cap ($500K/month) and discuss upgrading to Growth. Payments continue to process without interruption during the transition. We don't cut off service at arbitrary thresholds.
Yes. Sandbox access is included in all tiers. You can develop and test without any live payment volume. When you're ready for production, we activate live credentials and your rev-share clock starts on actual processed volume.

Ready to talk specifics?

We'll walk through your expected monthly ACH and RTP volume, your KYB onboarding cadence, and the virtual account count you'll need. We'll show you exactly what the basis-point math looks like for your platform before you commit to anything.

Request a Pilot