Billing and pricing
Learn about Stedi account types, pricing plans, and billing.
Account types
Every Stedi account is either a sandbox account or a production account.
Sandbox accounts
Sandbox accounts are free and limited to test mode. You can use sandbox accounts to:
- Run mock eligibility checks
- Test the claims workflow
- Build and test your Stedi integration using test API keys
Developers and coding agents can build and test their Stedi integration in a free sandbox account using test API keys. When they're ready to move to production, they can upgrade in account settings and swap in a production API key.
Production accounts
Production accounts can process unlimited real transactions with payers. All production accounts include:
- Unlimited user seats and providers
- Transaction enrollment, including the Transaction Enrollment API
- A searchable, programmatic payer list
- All transactions and APIs available on our pricing page
- The Stedi MCP server for AI agents
- Stedi Agent, an in-app AI assistant
- Real-time support over Slack, Microsoft Teams, and email
Upgrade to production
To upgrade from a sandbox account to production, click Upgrade in the navigation bar at the top of the Stedi portal. Then, follow the upgrade flow.
Pricing plans
Production accounts are available on one of two pricing plans:
Pay as you go
The pay-as-you-go plan uses prepaid credits with usage-based pricing and automatic volume-based discounts. When you upgrade to pay as you go, you add a credit card and fund an initial account balance, starting at $100.
Each transaction draws down the balance at the rate for its pricing tier. Visit our pricing page for details.
Custom
The custom plan offers discounted usage rates for customers with high transaction volume. Custom plans also include enterprise features like SSO, SCIM, and consolidated billing for integrated accounts.
To request a custom plan, contact us.
Billing
Manage your payment methods and understand how Stedi billing works for pay-as-you-go accounts.
How pay-as-you-go pricing works
The pay-as-you-go plan uses tiered pricing. For most transactions, the per-transaction rate drops as your monthly volume grows.
When you sign up for the pay-as-you-go plan, you add a credit card and fund an initial Stedi account balance, starting at $100.
Each transaction draws down the balance at the rate for its pricing tier. Visit our pricing page for an estimator and full breakdown of each tier.
Stedi automatically tops up your balance when it drops below a trigger you set. For example, you can top up your balance to $100 whenever it falls below $25, the minimum trigger.
Your balance rolls forward month to month. At the end of each month, Stedi sends an invoice that covers your monthly usage. If you send zero transactions in a month, you pay nothing.
Add or update payment method
To add or update your payment details:
- Go to your Account settings.
- Click Billing. Stedi takes you to a secure third-party payment site to enter or update your credit card information.
- Click Add payment method or Update payment method.
- Enter your payment details. You can enter either credit card details or the routing information for a United States bank account.
Once you save your changes, Stedi bills any charges to the payment information on file.