# Provenance stamped 2026-10-07 (roadmap#943): written by an API Evangelist sweep (dated 2026-05-25 by the file itself), not
# harvested from the provider. `method: generated` so the economics campaign may replace it with a
# dated, verbatim transcription; every figure below is unverified until it does.
method: generated
generated: '2026-05-25'
specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Bud Financial
providerId: bud-co
created: '2026-05-25'
modified: '2026-05-25'
reconciled: false
tags:
- Open Banking
- Enrichment
- Affordability
- Payments
- Plans
description: Bud Financial uses an enterprise-only commercial engagement model. Pricing is not published on
  the public site; commercial terms are negotiated per customer based on product mix (Connect, Intelligence,
  Pay, Check, Assess), call volume, customer counts, enrichment usage, and contract length. The plans below
  capture the product surface that is offered as a paid service, but unit prices are marked as redacted until
  reconciled with a Bud sales contact.
sources:
- https://bud.co
- https://docs.thisisbud.com
- https://www.thisisbud.com/developers
plans:
- id: bud-connect
  name: Bud Connect
  type: enterprise
  description: Open Banking aggregation - access to the Bud Connect gateway, native authorisation flow,
    refresh, consent management, and ASPSP connection management across UK and EU providers.
  entries:
  - label: Open Banking calls
    name: open-banking-calls
    type: metered
    metric: requests
    limit: -1
    timeFrame: month
    geo: UK+EU
    unit: 1
    price: redacted
    userMultiplied: false
  - label: Active connected customers
    name: connected-customers
    type: metered
    metric: customers
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: redacted
    userMultiplied: false
- id: bud-intelligence
  name: Bud Intelligence
  type: enterprise
  description: Transaction enrichment, categorization, merchant identification, insights, recurring-payment
    detection, income finder, characteristics, and intelligent search.
  entries:
  - label: Enriched transactions
    name: enriched-transactions
    type: metered
    metric: transactions
    limit: -1
    timeFrame: month
    geo: global
    unit: 1000
    price: redacted
    userMultiplied: false
- id: bud-assess
  name: Bud Assess
  type: enterprise
  description: Affordability reports, lender-grade income and expenditure breakdowns, risk insights, and
    customer-application management for lending decisions.
  entries:
  - label: Affordability reports
    name: affordability-reports
    type: metered
    metric: reports
    limit: -1
    timeFrame: month
    geo: UK
    unit: 1
    price: redacted
    userMultiplied: false
- id: bud-pay
  name: Bud Pay
  type: enterprise
  description: PISP payment initiation - single payments, scheduled payments, and standing orders via the
    Bud-hosted Bud Pay URL or native API flow.
  entries:
  - label: Payment initiations
    name: payment-initiations
    type: metered
    metric: payments
    limit: -1
    timeFrame: month
    geo: UK+EU
    unit: 1
    price: redacted
    userMultiplied: false
- id: bud-check
  name: Bud Check
  type: enterprise
  description: KYC and verification services performed against businesses and customers.
  entries:
  - label: KYC checks
    name: kyc-checks
    type: metered
    metric: checks
    limit: -1
    timeFrame: month
    geo: UK
    unit: 1
    price: redacted
    userMultiplied: false
freeTier:
  description: Free sandbox access to the Bud Developer Console at console.thisisbud.com for evaluation.
    Sandbox uses dummy data. Production usage requires a commercial agreement.
contact:
  url: https://bud.co
  email: help@thisisbud.com
x-canonical:
  generated: '2026-10-08'
  vocabulary: all/0-working/economics/plans-canonical.yml
  models:
  - metered
  units:
  - object
  - request
  - transaction
  plans:
  - name: Bud Connect
    access: enterprise
    model: metered
    model_how: derived
    units:
    - other
    - request
    periods:
    - month
  - name: Bud Intelligence
    access: enterprise
    model: metered
    model_how: derived
    units:
    - transaction
    periods:
    - month
  - name: Bud Assess
    access: enterprise
    model: metered
    model_how: derived
    units:
    - object
    periods:
    - month
  - name: Bud Pay
    access: enterprise
    model: metered
    model_how: derived
    units:
    - transaction
    periods:
    - month
  - name: Bud Check
    access: enterprise
    model: metered
    model_how: derived
    units:
    - request
    periods:
    - month