specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Sila
providerId: sila-money
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Embedded Finance
- Banking as a Service
- Payments
- ACH
- Fintech
- Plans
description: >-
  Sila does not publish a self-serve, public per-seat price list on its docs. Access
  follows an embedded-finance / BaaS commercial model: a free sandbox for building
  and testing against https://sandbox.silamoney.com/0.2, and a contracted production
  agreement (contact sales / onboarding) with per-transaction pricing for live ACH
  money movement, identity verification (KYC/KYB), and virtual accounts. The plan
  entries below are MODELED from Sila's documented product structure, not reproduced
  from a published rate card - all numeric pricing must be reconciled with Sila
  directly.
notes: >-
  reconciled:false. Sila's real production pricing is negotiated per program and was
  not published on the pages reviewed. Verify sandbox terms, minimums, per-ACH and
  per-KYC fees, and virtual-account pricing with Sila sales during onboarding.
sources:
- https://www.silamoney.com/
- https://docs.silamoney.com/docs/get-started
- https://www.silamoney.com/virtual-accounts
plans:
- id: sila-sandbox
  name: Sandbox
  type: free
  description: >-
    Free sandbox environment at https://sandbox.silamoney.com/0.2 for integrating
    and testing the full API surface (registration, KYC/KYB, wallets, linked
    accounts, issue/transfer/redeem) with simulated money movement. No live funds.
  entries:
  - label: Sandbox Access
    name: sandbox_access
    type: flat
    metric: environment
    limit: -1
    timeFrame: month
    geo: us
    unit: 1
    price: free
    userMultiplied: false
  elements:
  - name: Full API Surface
  - name: Simulated ACH / KYC
  - name: SDKs and Postman Signer
- id: sila-production
  name: Production
  type: paid
  description: >-
    Contracted production access with live ACH money movement, real KYC/KYB, and
    virtual accounts. Priced per transaction / per verification under a negotiated
    agreement. Contact Sila to onboard.
  entries:
  - label: Production Access
    name: production_access
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: us
    unit: 1
    price: contact sales (per-transaction; not published)
    userMultiplied: false
  elements:
  - name: Live ACH Money Movement
  - name: KYC / KYB Verification
  - name: Virtual Accounts
  - name: Debit Card Linking
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com