> ## Documentation Index
> Fetch the complete documentation index at: https://test-docs.upayments.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Tiers & Billing

> Subscription plans, feature limits, and add-ons

# Tiers & Billing

FinMI uses flat monthly pricing based on features, not transaction volume.

## Plans

|                    | Lite     | Starter   | Growth    | Scale     |
| ------------------ | -------- | --------- | --------- | --------- |
| **Price**          | \$49/mo  | \$149/mo  | \$499/mo  | \$799/mo  |
| **Users**          | 1        | 3         | 5         | 10        |
| **NMI Accounts**   | 1        | 1         | 3         | 5         |
| **Data Retention** | 6 months | 12 months | 24 months | 36 months |

### Lite — \$49/month

Dashboard analytics only. Perfect for solo operators who want visibility into their NMI data.

* Dashboard, transactions, customers, subscriptions, settlements, refunds
* 3 basic report types with CSV export
* Subscription detection from transaction patterns

### Starter — \$149/month

Full commerce suite. Add payment pages, invoicing, and products.

* Everything in Lite
* 5 active payment pages, 25 invoices/month
* Product catalog and discount codes
* All 14 report types with PDF export
* QR codes, logo + color branding

### Growth — \$499/month

Advanced analytics and integrations. Scale your operations.

* Everything in Starter
* Unlimited payment pages and invoices
* Forecasting, recovery, and fraud analytics
* Webhooks with HMAC-SHA256
* Integrations marketplace
* Full CSS customization

### Scale — \$799/month

Enterprise infrastructure. White-label, SSO, and dedicated support.

* Everything in Growth
* White-label branding and custom domains
* SSO (SAML) and IP whitelist
* Multi-MID smart routing
* Full audit logs
* Slack Bot and SMS alerts
* DisputeProof included

## Add-Ons

| Add-On                  | Price                          |
| ----------------------- | ------------------------------ |
| Additional user seats   | \$15/user/month                |
| Additional NMI accounts | \$49/account/month             |
| DisputeProof            | \$99/month (included in Scale) |

## How Feature Gating Works

Features locked behind a higher tier show a **blurred preview** with an upgrade button. This lets users see what's available and understand the value before upgrading.

## Billing

Billing is managed through your account settings. Plans are month-to-month with no long-term contracts. Upgrade or downgrade at any time.