# Provenance stamped 2026-10-07 (roadmap#943): written by an API Evangelist sweep (dated 2026-05-23 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: '2026-05-23'
apiCommonsPlansVersion: '0.1'
provider:
  id: jack-henry
  name: Jack Henry & Associates
  url: https://www.jackhenry.com/

description: |
  Jack Henry's commercial surface is enterprise-only: pricing is negotiated
  per institution as part of a master services agreement that bundles the
  chosen core platform (SilverLake, CIF 20/20, Symitar, or the cloud-native
  Digital Core), digital banking (Banno), payments rails (ACH, Wire, Bill
  Pay, RDC, Cards, Zelle, RTP, Payments Orchestrator), lending, and fraud
  technology. Jack Henry does NOT publish per-API list prices, per-call
  pricing, or self-serve plan tiers on the developer portal. The Fintech
  Integration Network (FIN) provides certified-integration tiers for
  third-party fintechs, but pricing remains contract-driven.

  Public IR disclosures (FY2025) document the segment mix and overall
  revenue model rather than per-API pricing.

modified: '2026-05-23'

plans:
  - id: enterprise
    name: Enterprise Master Services Agreement
    audience: Financial institution (bank or credit union)
    surfaces:
      - jXchange (REST + SOAP)
      - SymXchange
      - Digital Core
      - Banno Consumer API
      - Banno Admin API
      - Banno Plugin Framework
      - Banno Authentication Framework
      - Jack Henry Payments (ACH, Wire, Bill Pay, RDC, Cards, P2P, Orchestrator)
      - Enterprise Event System
      - Operational Data Integration (ODI)
      - Data Hub
    pricingModel: contract
    pricingDescription: |
      Negotiated per institution. Typical structure: implementation +
      conversion fees, monthly recurring core-license fees, per-account
      digital-banking fees, per-transaction payments-rail fees, and
      revenue-share on interchange where applicable.
    contact:
      url: https://www.jackhenry.com/contact-us
    publishedPrice: false

  - id: fintech-integration-network
    name: Fintech Integration Network (FIN)
    audience: Fintech / ISV partners building plugins or integrations
    surfaces:
      - Banno Plugin Framework
      - Banno Consumer API
      - Banno Admin API
    pricingModel: contract
    pricingDescription: |
      Certification + program fees plus institution-paid integration fees;
      individual plugin/marketplace economics negotiated case by case.
    contact:
      url: https://jackhenry.dev/
    publishedPrice: false

caveats:
  - No public per-API list prices.
  - No self-serve developer plan (sandbox access requires a developer-portal account through the FIN program or an institution sponsor).
  - No published per-call pricing for the Payments rails on the public developer portal.

sources:
  - https://www.jackhenry.com/
  - https://jackhenry.dev/
  - https://ir.jackhenry.com/news-releases
  - https://ir.jackhenry.com/news-releases/news-release-details/jack-henry-associates-inc-reports-fourth-quarter-and-full-year-1
x-canonical:
  generated: '2026-10-08'
  vocabulary: all/0-working/economics/plans-canonical.yml
  models: []
  units: []
  plans:
  - name: Enterprise Master Services Agreement
    access: other
    model: unstated
    model_how: derived
    units: []
    periods: []
  - name: Fintech Integration Network (FIN)
    access: other
    model: unstated
    model_how: derived
    units: []
    periods: []