The number on this page is the number on your invoice, on day one and year five. No volume tiers. No platform fee. No renegotiation. Developer access is free, with no expiration.
Apply for Dev AccessCore pricing
No platform fee. No per-API-call charges. No monthly minimum.
No volume tiers. No surprises. What you read here is what you pay.
Add-on services
These capabilities are available on top of core pricing. You're billed per use. Nothing is on by default. Processor availability varies for all services except Account Updater; contact us to confirm support for your destination before building.
| Service | Cost | Processor coverage |
|---|---|---|
|
Account Updater
Automatically refreshes stored card data when a card is reissued, replaced, or expired, before a charge fails. Billed only when a card is actually updated. No charge if the card is current.
|
$0.25/update |
All processors |
|
Network Tokens
Visa/Mastercard-issued tokens that stay valid through card reissues and fraud replacements. When the card network updates a token, no Account Updater call is needed. The token self-updates. Billed per lifecycle event.1
|
$0.05/event |
Select processors |
|
3DS Authentication
Strong customer authentication for card-not-present transactions. Required for 3RI recurring billing.
|
$0.10/call |
Select processors |
|
3RI Recurring Indicator
Server-to-server authentication for subsequent subscription charges. See below for full details.
|
$0.10/call |
Select processors |
|
Apple Pay
Native wallet acceptance for Apple devices.
|
Included |
Select processors |
|
Google Pay
Native wallet acceptance for Android and Chrome.
|
Included |
Select processors |
|
Card Data Enhancement
BIN-level intelligence on every stored card: brand, type, category, issuer, country, prepaid flag, and Durbin regulated status, returned on request via
?expand=true. See below for details. |
Included |
All processors |
1 Network Token lifecycle events include: load, token update (network-initiated card update, no Account Updater call required), and cryptogram fetch. Cold storage and transaction use are not billed.
3RI (3DS Recurring Indicator) handles server-to-server authentication for subsequent charges in a subscription series. Cardholders complete one 3DS challenge at signup. 3RI ensures that follow-on recurring charges are properly authenticated without requiring the cardholder to act again on every billing cycle. $0.10/call. Requires 3DS at subscription initiation. Processor availability varies. Contact us to confirm support for your destination.
Every stored card can be expanded to return BIN-level intelligence at no cost. Pass expand=true on any card GET to receive the full enriched payload.
Use it to make smarter decisions before a charge ever runs: detect prepaid cards before a subscription billing cycle, identify non-regulated debit for routing optimization, flag international cards, or display the correct card brand logo at checkout.
// Request
GET /v1/cards/card_abc123?expand=true
// Response — issuer_details object
{
"id": "card_abc123",
// ... card fields ...
"issuer_details": {
"bin": "407212",
"first_four_bin": "4072",
"card_brand": "VISA",
"card_type": "DEBIT",
"card_category": "PREPAID",
"cardholder_type": "PERSONAL",
"regulated_flag": "N",
"issuing_organization": "MetaBank",
"issuing_country_name": "UNITED STATES",
"issuing_country_iso_a2": "US",
"issuing_country_iso_a3": "USA",
"issuing_country_iso_number": "840",
"pan_length": 16,
"issuing_org_website": "https://www.metabank.com/",
"issuing_org_phone": "1.866.550.6382"
}
}Fields in issuer_details: card_brand, card_type (DEBIT / CREDIT / CHARGE CARD), card_category (PREPAID / BUSINESS / CLASSIC / etc.), cardholder_type (PERSONAL / COMMERCIAL), regulated_flag ("Y" / "N"), issuing_organization, country fields (ISO name / A2 / A3 / numeric), pan_length.
What you're not paying for
Common questions
No. Value.IO charges $0.05 per card on file and $0.05 per live transaction. There is no monthly platform fee, no setup fee, and no minimum spend.
A live transaction is any charge, authorization, or payment processed through the gateway to a processor. Sandbox and test transactions are not billed. Developer access is free with no expiration.
No. Pricing is flat. You pay $0.05 per card and $0.05 per transaction whether you process 100 transactions or 10 million. There are no volume tiers, no escalation clauses, and no renegotiation triggers.
No. Add-ons (Account Updater, Network Tokens, 3DS, 3RI) are opt-in and billed per use. Nothing is on by default. Card Data Enhancement, Apple Pay, and Google Pay are included at no additional cost.
Card Data Enhancement is included at no additional cost. Pass expand=true on any GET /v1/cards/{id} request to receive the full issuer_details object: card brand, type, category, cardholder type, Durbin regulated flag, issuing organization, country of issuance, and PAN length.
More questions? See the full FAQ →
Value.IO Instant is the vertical-focused ISV product for US merchants. Pricing is based on merchant vertical and bank underwriting requirements, and varies accordingly.
Talk to the TeamThe infrastructure is priced. The docs are free. There's nothing to negotiate before you can start.