specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Spinwheel
providerId: spinwheel
created: '2026-06-20'
modified: '2026-06-20'
reconciled: false
tags:
- Fintech
- Credit Data
- Debt
- Liabilities
- Payments
- Embedded Finance
- Plans
description: >-
  Spinwheel sells its embedded credit and debt platform through a sales-led,
  contract-based model. There is no public self-serve price list. Partners
  provision sandbox keys from the developer portal for evaluation, then engage
  Spinwheel sales to scope production access, which is typically priced per
  enabled module (user connect, credit data / debt profile, liability refresh,
  payments) with usage components such as per credit-report pull, per refresh,
  and per payment / transaction. Specific rates are not published and are not
  reconciled in this artifact.
notes: >-
  No public pricing page exists; pricing is quoted by Spinwheel sales per
  partner. Reconcile module bundling and per-unit usage rates directly with
  Spinwheel during a commercial engagement.
sources:
- https://spinwheel.io/
- https://docs.spinwheel.io/docs/getting-started-1
- https://developer.spinwheel.io
plans:
- id: spinwheel-sandbox
  name: Sandbox
  type: free
  description: >-
    Free sandbox access provisioned from the developer portal for evaluating
    the user-connect, debt-profile, liability, and payment flows against
    Spinwheel test data.
  entries:
  - label: Sandbox Access
    name: sandbox
    type: free
    metric: access
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: $0
    userMultiplied: false
  elements:
  - name: User Connect
  - name: Debt Profile (sandbox)
  - name: Liability Refresh (sandbox)
  - name: Payments (sandbox)
- id: spinwheel-partner
  name: Partner (Production)
  type: enterprise
  description: >-
    Sales-led production agreement. Access is scoped per enabled module with
    usage-based components (credit report pulls, liability refreshes, payments
    and transactions). Pricing is negotiated per partner; contact Spinwheel.
  entries:
  - label: Partner Agreement
    name: partner
    type: flat
    metric: contract
    limit: -1
    timeFrame: year
    geo: global
    unit: 1
    price: contact sales
    userMultiplied: false
  - label: Credit Report / Debt Profile Pull
    name: credit_report_pull
    type: usage
    metric: requests
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: contact sales
    userMultiplied: false
  - label: Liability Refresh
    name: liability_refresh
    type: usage
    metric: requests
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: contact sales
    userMultiplied: false
  - label: Payment / Transaction
    name: payment_transaction
    type: usage
    metric: transactions
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: contact sales
    userMultiplied: false
  elements:
  - name: User Connect (SMS / KBA / Phone / Network Token)
  - name: Credit Data / Debt Profile
  - name: Liabilities & Refresh Subscriptions
  - name: Embedded Payments
  - name: Webhooks
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com