Simple, transparent pricing

Low platform fees to start, better transaction economics as you grow. No hidden costs, no surprises.

Compare plans

Starter

For early-stage companies getting started

Free
Transaction fee:1–1.5%
  • Parallel account (USD + USDC)
  • Basic payment acceptance
  • USD ↔ USDC conversion
  • Simple dashboard & reporting
  • Standard settlement
Most popular

Growth

For scaling companies with higher volume

$299–$499/month
Transaction fee:0.5–0.75%
  • Everything in Starter
  • Advanced analytics & insights
  • Treasury management tools
  • AP / AR workflows
  • Faster settlement
  • Multi-user access

Enterprise

For established businesses with custom needs

$1k+/month
Transaction fee:0.25–0.4%
  • Everything in Growth
  • Custom settlement & limits
  • Advanced treasury & liquidity tools
  • API access & integrations
  • Dedicated support & SLAs
  • Compliance & audit tooling

Transaction fees vary by payment method, volume, and risk profile. Final pricing subject to underwriting.

How pricing works

Our pricing is designed to be straightforward. Here's what you need to know.

1

Monthly fee = platform access + features

Your monthly fee unlocks the Parallel platform and all features included in your tier. Starter is free—upgrade when you need more.

2

Transaction fee = payments you accept

Transaction fees apply to customer payments processed through Parallel checkout and payment rails. This is how you accept payments—cards, ACH, or USDC—from your customers.

3

Settlement speed scales with your plan

Starter includes standard settlement (2–3 days). Growth unlocks faster settlement. Enterprise can negotiate custom terms for same-day or real-time settlement.

4

Upgrade = lower fees + more control

As you grow, upgrading unlocks significantly lower transaction fees plus advanced treasury, analytics, and compliance tools. The math works in your favor at scale.

Keep more of what you earn

Traditional payment processing is expensive—often 2.9% + $0.30 per transaction. Parallel uses modern payment rails to dramatically reduce processing costs, so more of each transaction stays in your account.

With Parallel, you can

Save up to 2%

on payment processing fees

Savings vary by payment method and volume.

Frequently asked questions

Everything you need to know about Parallel pricing.

Ready to modernize banking and payments?

Open accounts, optimize treasury, and reduce processing fees—without complexity.

Parallel is a fintech company, not a bank. Banking services provided by our partner banks, members FDIC.