specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Unit
providerId: unit-co
created: '2026-07-02'
modified: '2026-07-02'
reconciled: false
tags:
- FinTech
- BaaS
- Banking
- Card Issuing
- ACH
- Plans
description: >-
  Unit does not publish public pricing plans or tiers. The Sandbox
  environment (https://api.s.unit.sh) is free and self-serve for building and
  testing an integration end-to-end with synthetic data and simulation
  endpoints. Production access requires signing a Banking-as-a-Service
  agreement with Unit and its partner bank(s), after which Unit bills under a
  negotiated contract: a recurring platform/minimum fee, per-transaction and
  per-card fees, ACH/wire pass-through fees, and a revenue share on
  interchange and/or interest earned on customer balances. Exact rates are
  not publicly reconciled and vary by program type (deposit, credit, cards)
  and volume.
notes: >-
  Confirm current commercial terms with a Unit solution engineer; nothing in
  this file should be treated as a quoted or guaranteed price. The interchange
  revenue-share model (Interchange Revenue = Interchange Share x (Gross
  Interchange - Network Fees + Processor Fees)) is documented publicly for
  card programs; other fee lines are contract-specific.
sources:
- https://www.unit.co/
- https://www.unit.co/docs/api/
- https://www.unit.co/docs/cards/interchange/
- https://www.unit.co/docs/api/fees/overview/
plans:
- id: unit-sandbox
  name: Sandbox
  type: free
  description: >-
    Free, self-serve sandbox at https://api.s.unit.sh with synthetic
    applications, accounts, cards, and sandbox-only simulation endpoints
    (ATM deposits, card activation, incoming ACH/received payments).
  entries:
  - label: Sandbox API Access
    name: sandbox_access
    type: included
    metric: api_calls
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: '0'
    userMultiplied: false
  elements:
  - name: All Sandbox APIs
  - name: Simulation Endpoints
  - name: Synthetic Test Data
- id: unit-production-baas
  name: Production BaaS Agreement (Custom)
  type: enterprise
  description: >-
    Negotiated contract to launch on Unit's production infrastructure
    through Unit's partner bank network. Combines a platform/minimum fee
    with usage-based transaction, card, and payment-rail fees, plus revenue
    share on interchange and account interest.
  entries:
  - label: Platform / Minimum Fee
    name: platform_fee
    type: flat
    metric: subscription
    limit: 1
    timeFrame: month
    geo: global
    unit: 1
    price: negotiated
    userMultiplied: false
  - label: Per-Transaction Fee
    name: transaction_fee
    type: metered
    metric: transaction
    limit: -1
    timeFrame: usage
    geo: global
    unit: 1
    price: negotiated
    userMultiplied: false
  - label: Per-Card Fee
    name: card_fee
    type: metered
    metric: active_card
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: negotiated
    userMultiplied: false
  - label: ACH / Wire Pass-Through
    name: ach_wire_fee
    type: metered
    metric: transfer
    limit: -1
    timeFrame: usage
    geo: global
    unit: 1
    price: negotiated (network and processor pass-through)
    userMultiplied: false
  - label: Interchange Revenue Share
    name: interchange_share
    type: revshare
    metric: interchange_dollars
    limit: -1
    timeFrame: month
    geo: global
    unit: 1
    price: 'contractual share of (Gross Interchange - Network Fees + Processor Fees)'
    userMultiplied: false
  elements:
  - name: Partner Bank Sponsorship
  - name: All Production APIs
  - name: PCI DSS Validated Card Issuing
  - name: SOC 1 / SOC 2 Reports
  - name: Compliance and Risk Support
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com