specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Chimoney
providerId: chimoney
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Payouts
- Disbursements
- Payments
- Fintech
- Plans
description: >-
  Chimoney is a self-serve developer platform: you sign up at the developer
  dashboard (dash.chimoney.io/developers), get a sandbox API key immediately for
  testing against the sandbox host, and enable production access after account
  verification (KYB / compliance). There is no published subscription price list
  for API access itself - Chimoney monetizes on a transaction basis. Costs are
  driven by per-payout fees and FX spread that vary by rail (bank, mobile money,
  airtime, gift card, Chimoney wallet, Interledger) and by destination country,
  plus wallet funding. Chimoney-wallet-to-wallet transfers are generally the
  cheapest / free path, while external rails carry a payout fee. Higher-volume
  and enterprise arrangements are negotiated with Chimoney sales / via "Book a
  Demo". Exact per-transaction rates are NOT reconciled here.
notes: >-
  No public numeric price table was available at the review date; the pricing
  page presents Monthly/Yearly toggles and a "Book a Demo" CTA rather than
  published rates. Chimoney is MSB-licensed and PSP-licensed (Canada). Verify
  current fees, FX spread, and any minimums directly with Chimoney during
  reconciliation. Fees for a given payout can be estimated at request time via
  the Info endpoints (exchange rates and currency conversion) and transfer
  quotes.
sources:
- https://chimoney.io/pricing/
- https://chimoney.io/developers-api/
- https://chimoney.readme.io/reference/authentication
- https://dash.chimoney.io/developers
plans:
- id: chimoney-sandbox
  name: Sandbox (Free)
  type: free
  description: >-
    Free self-serve sandbox environment for building and testing against the
    full API surface (payouts, wallets, sub-accounts, redeem, info, payments)
    using test funds on the sandbox host. No live money moves.
  entries:
  - label: Sandbox Access
    name: sandbox_access
    type: usage
    metric: requests
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: free (sandbox; test funds only)
    userMultiplied: false
  elements:
  - name: Full API Surface
  - name: Sandbox Host
  - name: API Key from Dashboard
- id: chimoney-production
  name: Production (Pay-Per-Transaction)
  type: usage
  description: >-
    Live production access enabled after account verification. Billed on a
    transaction basis - per-payout fees plus FX spread that vary by rail and
    destination country - drawn against your funded Chimoney wallet balance.
    There is no separate published subscription fee for API access.
  entries:
  - label: Payout Fee
    name: payout_fee
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: per-transaction fee varies by rail and country (not published; see sales)
    userMultiplied: false
  - label: FX Spread
    name: fx_spread
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: currency-conversion spread applied on cross-currency payouts (not published)
    userMultiplied: false
  elements:
  - name: Live Payouts (130+ countries)
  - name: Multicurrency Wallets
  - name: Sub-Accounts
  - name: Webhooks
- id: chimoney-enterprise
  name: Enterprise / Custom
  type: enterprise
  description: >-
    Negotiated pricing for high-volume disbursement, mass payouts, custom rails,
    dedicated support, and compliance/SLAs. Arranged via Chimoney sales / "Book a
    Demo".
  entries:
  - label: Enterprise Agreement
    name: enterprise
    type: flat
    metric: contract
    limit: -1
    timeFrame: year
    geo: global
    unit: 1
    price: contact sales
    userMultiplied: false
  elements:
  - name: Volume Pricing
  - name: Dedicated Support
  - name: Custom Rails and SLAs
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com