Priced like infrastructure. Pays for itself in days.
Most customers recover 10–40× the platform fee in captured early-pay discounts alone — before factoring revenue is counted. No setup fee. No data surcharge. Cancel anytime.
For finance teams validating the early-pay thesis.
- Up to 50 invoices / month processed
- 1 ERP connector (QuickBooks OR Xero)
- 2–3% early-pay detection & scoring
- Manual approval on every payment
- Email support
- Single user, single entity
For active AR & AP teams running on autopilot.
- Unlimited invoices / month
- All ERP connectors + banking API
- Autonomous negotiation (SalesGPT)
- FinRobot risk + treasury analytics
- Treasury routing rules
- Up to 10 users · 3 entities
- Priority email & chat support
For multi-entity, multi-currency treasuries.
- Unlimited everything
- SSO/SAML + dedicated VPC
- Custom agent policies & approval flows
- Dedicated FinOps engineer
- 99.99% uptime SLA
- Custom DPA · HIPAA available
Every capability, side by side.
| Feature | Starter | Growth | Enterprise |
|---|---|---|---|
| Invoices / month | 50 | Unlimited | Unlimited |
| ERP connectors | 1 | All | All + custom |
| Bank / Plaid integration | — | ✓ | ✓ |
| 2–3% early-pay detection | ✓ | ✓ | ✓ |
| Autonomous vendor negotiation | — | ✓ | ✓ |
| Multi-agent orchestration (CrewAI) | — | ✓ | ✓ |
| FinRobot risk analytics | Read-only | ✓ | ✓ |
| AgenticPay negotiation | — | ✓ | ✓ |
| AR factoring engine | — | ✓ | ✓ |
| Treasury routing | — | ✓ | ✓ |
| Custom approval policies | — | 3 rules | Unlimited |
| Multi-entity / multi-currency | — | 3 entities | Unlimited |
| Users | 1 | 10 | Unlimited |
| SSO / SAML | — | — | ✓ |
| Dedicated VPC | — | — | ✓ |
| Uptime SLA | 99.5% | 99.9% | 99.99% |
| Custom DPA / HIPAA | — | — | ✓ |
| Support | Priority email + chat | Dedicated FinOps engineer |
A worked example from a real customer cohort.
A Growth-tier customer paying $499 / month with $4.2M of qualifying annual AP. Here's what ARFactor AI captures in year one.
Figures are illustrative. Actual results depend on AP composition, ERP data quality, and the policy thresholds you set.
Common pricing questions.
Yes — 14 days, no credit card required. You get full Growth access against a sandbox of sample invoices so you can see the agent workflow before you connect a live ERP.
No per-invoice, per-API-call, or per-token charges. The monthly fee is flat. The only variable cost on Enterprise is if you want a dedicated VPC (quoted upfront).
No. We never touch the spread between the factor's advance rate and the invoice face value. Your factor relationship stays yours; ARFactor AI charges only the platform fee.
Yes. Starter and Growth are month-to-month with no commitment. Enterprise contracts are annual with a 30-day termination for cause.
Because we run on premium open-source models via serverless inference, we can offer flat pricing instead of per-token pass-through charges. The savings are passed on to you.