PRICING

Two Products, One Platform

Competitive payment processing with a personal touch, plus a modern operations dashboard priced for value — not volume.

Payment Processing

Our processing rates are competitive with — and often lower than — flat-rate processors like Stripe, PayPal, and Square. But better rates are just the beginning. The real difference is the relationship.

With FinMI, you get a dedicated account manager who knows your business. When chargebacks happen, you are not filing tickets into a queue — you have a real person advocating for you.

Get a Custom Quote

Interchange-plus pricing

Transparent cost-plus model — you see exactly what the card networks charge and our margin.

Personal chargeback support

A real person helps you respond to disputes, gather evidence, and improve your win rate.

Rates that grow with you

As your volume increases, your rates improve. No renegotiation hoops to jump through.

No volume-based penalties

We never charge per-transaction fees on the platform — only standard card processing rates.

Operations Dashboard

Flat monthly pricing based on features, not transaction volume. Your costs stay predictable as your business grows.

Lite

Analytics dashboard for merchants who want real-time visibility into their payment data.

$49

per month

Get Started

1 connected merchant account

Dashboard with revenue KPIs

Transaction history & search

Customer profiles & analytics

Subscription detection

Settlement tracking

Refund management

Basic reports (3 types)

CSV data exports

1 user seat

6-month data retention

Email support

Starter

Full commerce suite — payment pages, invoicing, and products for growing merchants.

$149

per month

Get Started

Everything in Lite, plus:

5 active payment pages

25 invoices per month

3 invoice templates

Product catalog & discount codes

QR code generation

Logo + color branding

Payment & invoice webhooks

All 14 report types with PDF

3 user seats

12-month data retention

Growth

Advanced analytics, integrations, and optimization tools for scaling merchants.

$499

per month

Get Started

Everything in Starter, plus:

Unlimited payment pages & invoices

All 5 invoice templates

Full theme & font customization

Page layouts & content blocks

Tipping, embeds, iFrames

Automated reminders & late fees

Dunning & subscription recovery

Forecasting & cohort analysis

Recovery & fraud analytics

DisputeProof included

Up to 3 merchant accounts

5 user seats

24-month data retention

Priority support

Need more users, accounts, or custom features? Contact us for a custom plan.

Feature-by-Feature Comparison

See exactly what's included in each plan.

Feature	Lite — $49/mo	Starter — $149/mo	Growth — $499/moMost Popular
Merchant accounts	1	1	3
User seats	1	3	5
Dashboard & KPIs
Transactions & search
Customers & subscriptions
Settlements & refunds
Reports	3 basic	All 14 + PDF	All 14 + PDF
CSV exports
Payment pages		5 active	Unlimited
Invoicing		25/month	Unlimited
Invoice templates		3 templates	All 5 templates
Products & discount codes
Custom branding		Logo + colors	Full CSS & themes
Custom fonts & shapes
Page layouts & content blocks
Tipping & embeds
Reminders & late fees
Forecasting & cohorts
Recovery & fraud analytics
Payment & invoice webhooks
Dunning & subscription recovery
DisputeProof	$99/mo add-on	$99/mo add-on	Included
Data retention	6 months	12 months	24 months
Support	Email	Email	Priority

Lite — $49/mo

Merchant accounts1
User seats1
Dashboard & KPIs
Transactions & search
Customers & subscriptions
Settlements & refunds
Reports3 basic
CSV exports
Payment pages
Invoicing
Invoice templates
Products & discount codes
Custom branding
Custom fonts & shapes
Page layouts & content blocks
Tipping & embeds
Reminders & late fees
Forecasting & cohorts
Recovery & fraud analytics
Payment & invoice webhooks
Dunning & subscription recovery
DisputeProof$99/mo add-on
Data retention6 months
SupportEmail

Starter — $149/mo

Merchant accounts1
User seats3
Dashboard & KPIs
Transactions & search
Customers & subscriptions
Settlements & refunds
ReportsAll 14 + PDF
CSV exports
Payment pages5 active
Invoicing25/month
Invoice templates3 templates
Products & discount codes
Custom brandingLogo + colors
Custom fonts & shapes
Page layouts & content blocks
Tipping & embeds
Reminders & late fees
Forecasting & cohorts
Recovery & fraud analytics
Payment & invoice webhooks
Dunning & subscription recovery
DisputeProof$99/mo add-on
Data retention12 months
SupportEmail

Growth — $499/moMost Popular

Merchant accounts3
User seats5
Dashboard & KPIs
Transactions & search
Customers & subscriptions
Settlements & refunds
ReportsAll 14 + PDF
CSV exports
Payment pagesUnlimited
InvoicingUnlimited
Invoice templatesAll 5 templates
Products & discount codes
Custom brandingFull CSS & themes
Custom fonts & shapes
Page layouts & content blocks
Tipping & embeds
Reminders & late fees
Forecasting & cohorts
Recovery & fraud analytics
Payment & invoice webhooks
Dunning & subscription recovery
DisputeProofIncluded
Data retention24 months
SupportPriority

What Goes Into the Price

Our flat subscription covers everything — no surprises on your monthly bill.

Infrastructure

Hosting, databases, CDN, and real-time sync with your payment gateway — all managed for you.

Security

Encryption at rest, tokenization through our PCI Level 1 certified gateway (NMI), and 24/7 monitoring.

Updates

Continuous feature releases, bug fixes, and performance improvements at no extra cost.

Support

US-based support team included with every plan. Priority support on Growth+.

Now Available

DisputeProof — Recover Lost Revenue

End-to-end dispute workflow: reason-code-aligned evidence recommendations with per-document reasoning, pre-submission audit, objective rebuttal drafts, and a submission-ready response packet and combined evidence PDF.

Reason-code-aligned evidence package

Reason-code aligned checklists

Pre-submission audit + document preview

Dedicated dispute support from your manager

$99/mo

Lite & Starter add-on

Included in Growth & Scale

Optional Add-ons

Expand your platform with high-value add-ons. Available on any dashboard plan.

Additional user seats$15 / user / mo

Additional merchant accounts$49 / account / mo

DisputeProof$99 / mo (included in Growth)

Frequently Asked Questions

Have a question not listed here? Contact us.

How is FinMI different from Stripe, Square, or PayPal?

Unlike self-serve platforms where you are just a number, FinMI gives you a dedicated payment processing relationship with real people. You get a personal account manager, customized rates, and hands-on support when you need it — especially when it matters most, like during chargebacks and disputes.

Why are processing rates not listed?

Processing rates depend on your industry, average ticket size, and volume. We offer competitive interchange-plus pricing that is often lower than flat-rate processors like Stripe or Square. Contact us for a custom quote — we will beat your current rates or match them with better service.

Are there any setup fees or monthly minimums?

No setup fees for any dashboard plan. Processing accounts have no monthly minimums. Enterprise dashboard plans may have custom terms based on your requirements.

Can I use the dashboard without switching processors?

Yes. FinMI connects to your existing merchant account through our enterprise gateway partner. If you are already set up on a compatible gateway, you can connect your account and start using the dashboard immediately — no processor migration required.

Does the dashboard plan include payment processing?

Dashboard plans and payment processing are priced separately. You can use our competitive interchange-plus rates alongside the dashboard, or connect an existing merchant account. Bundling both often comes with preferred pricing and a single point of contact.

How does FinMI recover failed subscription payments?

Every recurring invoice and subscription can opt into autopay against a vaulted card. When a charge fails, the dunning engine retries on your configured schedule and emails the customer a branded, signed update-payment link. The customer updates their card in a hosted flow (no login required), we refresh the vault, and the charge retries automatically. Recovery rate, queue, and per-case timeline are visible in the dashboard.

What is DisputeProof?

DisputeProof is our guided dispute workspace. For every case, it recommends the specific evidence that wins under the relevant reason code, runs a pre-submission audit, generates objective rebuttal narratives with version history, and assembles a submission-ready response packet plus combined evidence PDF. It is included in the Growth plan and available as an add-on for Lite and Starter at $99/mo.

Can I switch dashboard plans later?

Yes, you can upgrade or downgrade at any time. When you upgrade, you get immediate access to all new features. Dashboard plans are month-to-month with no long-term contracts.

Is there a contract or commitment?

Dashboard plans are month-to-month. Processing agreements may have terms, but we keep them merchant-friendly. We earn your loyalty through service, not lock-in.

Ready to Simplify Your Payment Operations?

Tell us about your business and we'll put together a processing + dashboard package that fits your needs.