# Pricing options for every scale

## Business Account

Our dashboard products come with transparent pricing and no hidden fees.

- Cards
- Bill Pay
- Expense Management

[See below](https://reap.global/resources/info/pricing#below)

## Embedded Finance

Based on your product usage, we can discuss a customised package for the following:

- Card Issuing
- Payments
- Payments

[Contact Sales](https://meetings.hubspot.com/reap/api-solutions-discovery-call)

### Cards

We offer our Reap Cards and a Card Issuing solution.

To launch your own card program, chat with our team for a personalised proposal.

Our Reap Cards are secured corporate credit cards with flexible bill repayment in fiat or digital currencies, advanced spend control, easy access, and additional perks.

|                       |                       |
|-----------------------|-----------------------|
| **Physical & virtual card** | **FREE**               |
| **Annual fee**         | **FREE**               |
| **Monthly bill repayment with** | **Fiat currency FREE**  |
| **Stablecoins**        | **FREE**               |
| **Late fee may apply** |                         |
| **ATM withdrawal**     | **2%**                 |
| **FX fee**            | **2%**                 |
| **Available card currencies** | **USD, HKD**   |
| **Collateral**         | **1:1 ratio**          |
| **Your credit limit is 100% of your collateral** |   |
| **Mobile app**       | **FREE**               |
| **Issue your branded card via API** | **[Contact Sales](https://meetings.hubspot.com/reap/payment-api-discovery-call?__hstc=114584472.87fba23ca72bf617f7699070db0a2c46.1739170925843.1763967653111.1763972907074.269&__hssc=114584472.40.1763972907074&__hsfp=2053492540)** |

### Global Payouts

Payout in fiat internationally or locally using your preferred currencies and funding methods.

For automated payments using our API, chat with our team for a customised proposal.

For manual payments with Reap Bill Pay, we offer transparent pricing with no hidden fees.

|                                   |                       |
|-----------------------------------|-----------------------|
| **Bank transfers**                 | **0.5%**              |
| **Variable based on volume**     |                       |
| **Cross-border payment fee**      | **25 USD**            |
| **Local payment fee**             | **0-5 USD**          |
| **Varies per local rail**         |                       |
| **FX fee**                        | **Variable rate**     |
| **Calculated at the time of payment processing** |  |
| **T+1 day payouts**               | **No extra fee**      |
| **Payments via API**              | **[Contact Sales](https://meetings.hubspot.com/reap/card-issuance-discovery-call)** |

### Spend Control & Team Management

Manage team access, rights, and spend control effectively.

- Card-level spend controls: FREE
- Team-level spend controls: FREE
- Team members: Unlimited
- Multi-entity management: FREE

### Expense Management

Easily track spending in real-time and make data-driven business decisions.

- Real-time spend analytics: **FREE**
- Xero integration: Reconcile your expenses with Xero: **FREE**
- Receipt collection: Capture and upload receipts for your transactions via the mobile app: **FREE**
- Receipt auto-matching: Retrieve and auto-match receipt information to streamline reimbursements: **FREE**

## Are you a high-volume user? Reach out for a tailored plan

If your business processes high-volume payments or you are interested in multiple products, please reach out to our team to discuss a tailored plan suitable for you.

[TALK TO US](https://reap.global/contact-us)

Join our Agentic Accelerator Program [Learn more](https://reap.global/agentic-accelerator-program-waitlist)