Pricing

Growth. Trust. Transparency.

Pricing that reflects all three. Unlimited users, on a tiered model built around your transaction volumes, payment complexity and deployment needs.

14 days

Median time to first reconciled close

99.98%

Auto-match rate across live accounts

Unlimited

Users, viewers and approvers on every plan

Reconciliation run · 12 Aug Live
PSPAdyen · settlement batch
482,119.40
BankChase · MT940 statement
482,119.40
ERPNetSuite · GL 1120
481,742.05
Transactions matched2,481 / 2,483
Unexplained variance$377.35

Fee Validation: interchange overcharge on 2 items

Illustrative run. Your sources, your ledger, your close calendar.

1,000,000

Transactions ingested in the last 60 seconds

0+

Pre-built processor, bank and ERP connectors

$0M

Fee errors recovered for customers last year

SOC 2 · PCI DSS

Type II audited, PCI DSS Level 1 certified

Plans

Three plans. Four pillars.

Every plan runs the same platform and is billed on monthly transaction volume. What the plan changes is how much of the payment lifecycle is automated: reconciliation, cost of payments, ledgering and financial close.

Control & visibility

Foundation

For teams replacing reconciliation spreadsheets and gaining visibility into payment costs.

Priced on your monthly transaction volume. Talk to sales to confirm your tier.

Contact sales
Up to 5 data sources
Enterprise cloud
  • ReconciliationCoreData Fusion, configurable transaction matching, exception identification and reconciliation reporting.
  • Cost of PaymentsCoreFee validation, effective rates, authorization and processor performance, standard cost dashboards.
  • LedgeringNot includedAvailable on Velocity and Infinity.
  • Financial CloseNot includedAvailable on Infinity.

End-to-end financial operations

Infinity

For global enterprises automating payment financial operations from transaction through financial close.

Priced on your monthly transaction volume. Talk to sales to confirm your tier.

Contact sales
Unlimited data sources
Private cloud, single tenant
  • ReconciliationEnterpriseUnlimited reconciliation sets and sources, multi-entity, multi-currency and cross-entity reconciliation, AI-assisted exception investigation.
  • Cost of PaymentsEnterprise optimizationGlobal payment-cost intelligence, network and acquirer benchmarking, cross-market analysis, contract scenario modelling, executive savings dashboards.
  • LedgeringAdvancedMulti-entity and multi-currency accounting, custom policies, accrual and adjustment workflows, journal approvals, full transaction-to-GL lineage.
  • Financial CloseIncludedAccount reconciliation, close orchestration, certification, adjustments and audit-ready evidence.

Every plan includes unlimited users and is metered on monthly reconciled transaction volume, never on connectors, entities or seats. Sales will confirm your tier and send a written quote after a 30-minute scoping call.

Pricing model

How your price is calculated

Three things shape your number: how many transactions you reconcile, how complex your payment estate is, and where the platform runs. Users are never one of them.

Transaction volume: the meter
Reconciled transactions per month, in tiers. This is the number that moves as you grow, and the only input that is metered.
Payment complexity: the plan
How many sources you fuse, up to five, up to ten, or unlimited, and how far across the four pillars you need to go: reconciliation, cost of payments, ledgering and financial close. That picks your plan. There is no per-connector or per-entity charge underneath it.
Deployment: where it runs
Enterprise cloud with dedicated tenancy, or single-tenant private cloud in your own region or VPC.
No per-seat feesNo per-connector feesNo overage penaltiesNo hidden line itemsContact sales

Capabilities

Four pillars, one platform

Optimus follows the payment from the transaction through its economics, its accounting treatment and the financial close. One data model underneath, no bolt-on products.

PaymentSettlementReconciliationPayment economicsLedgerClose

Reconciliation

Ingest, normalize and match every transaction, then work the exceptions that matter.

  • Data Fusion across processors, banks, settlement, POS and internal data
  • Configurable transaction-level matching
  • AI reconciliation agents and N-way matching
  • Exception identification, management and resolution workflows
  • Root-cause analysis
  • Controls and certification

All plans, deepening by tier

Cost of Payments

Know what every payment actually costs, then take the cost down.

  • Fee validation against processor and scheme rates
  • Contract and rate validation
  • Cost of payments and effective-rate analytics
  • Payment performance: authorization, decline and processor
  • Interchange and scheme analytics, processor benchmarking
  • AI cost and performance recommendations

All plans, deepening by tier

Ledgering

Turn reconciled payment activity into accounting-ready entries and post them.

  • Automated ledgering from reconciled activity
  • Configurable accounting rules for fees, refunds, chargebacks and settlements
  • Journal entry generation and ERP posting
  • Ledger reconciliation against GL balances
  • Posting controls and audit trail
  • Multi-entity, multi-currency and custom policies

Velocity and Infinity

Financial Close

Close the period on payment-related accounts with the evidence already assembled.

  • Close readiness dashboard: breaks, unreconciled balances, actions
  • Close orchestration across activities and dependencies
  • Account reconciliation for payment-related GL and sub-ledger accounts
  • Close certification and sign-off
  • Period-end exception management, adjustments and journals
  • Audit evidence, close pack and transaction-to-GL-to-close lineage

Close readiness on Velocity, full on Infinity

In every plan, at no extra cost

  • Unlimited users, viewers and approvers
  • SSO, RBAC and immutable audit logs
  • Full REST API, webhooks and sandbox
  • Ongoing product updates and new connectors

Detailed comparison

Compare plans

The full specification, without the asterisks.

Capability
Foundation
Velocity
Infinity
Positioning
Built for
Foundation: Control and visibility
Velocity: Automate and optimize
Infinity: End-to-end financial operations
Reconciliation
Foundation: Core
Velocity: Advanced
Infinity: Enterprise
Cost of Payments
Foundation: Core
Velocity: Optimization
Infinity: Enterprise optimization
Ledgering
Foundation: Not included
Velocity: Included
Infinity: Advanced
Financial Close
Foundation: Not included
Velocity: Close readiness
Infinity: Included
Reconciliation
Data Fusion
Foundation: Included
Velocity: Included
Infinity: Included
Configurable transaction matching
Foundation: Included
Velocity: Included
Infinity: Included
Exception identification
Foundation: Included
Velocity: Included
Infinity: Included
Reconciliation reporting
Foundation: Included
Velocity: Included
Infinity: Included
AI reconciliation agents
Foundation: Not included
Velocity: Included
Infinity: Included
N-way reconciliation
Foundation: Not included
Velocity: Included
Infinity: Included
Intelligent matching and suggested matches
Foundation: Not included
Velocity: Included
Infinity: Included
Exception management and resolution workflows
Foundation: Not included
Velocity: Included
Infinity: Included
Root-cause analysis
Foundation: Not included
Velocity: Included
Infinity: Included
Reconciliation controls and certification
Foundation: Not included
Velocity: Included
Infinity: Enterprise controls
Multi-entity and multi-currency reconciliation
Foundation: Not included
Velocity: Not included
Infinity: Included
Cross-entity reconciliation
Foundation: Not included
Velocity: Not included
Infinity: Included
AI-assisted exception investigation
Foundation: Not included
Velocity: Not included
Infinity: Included
Cost of Payments
Fee validation
Foundation: Core
Velocity: Advanced
Infinity: Enterprise
Cost of payments analytics
Foundation: Included
Velocity: Included
Infinity: Included
Payment performance analytics
Foundation: Included
Velocity: Included
Infinity: Included
Cost and fee reporting
Foundation: Included
Velocity: Included
Infinity: Included
Contract and rate validation
Foundation: Not included
Velocity: Included
Infinity: Included
Interchange and scheme analytics
Foundation: Not included
Velocity: Included
Infinity: Included
Processor benchmarking
Foundation: Not included
Velocity: Included
Infinity: Network and acquirer, cross-market
AI cost and performance recommendations
Foundation: Not included
Velocity: Included
Infinity: Included
Contract and pricing scenario analysis
Foundation: Not included
Velocity: Not included
Infinity: Included
Executive savings dashboards
Foundation: Not included
Velocity: Not included
Infinity: Included
Ledgering
Automated ledgering
Foundation: Not included
Velocity: Included
Infinity: Included
Configurable accounting rules
Foundation: Not included
Velocity: Included
Infinity: Included
Journal entry generation
Foundation: Not included
Velocity: Included
Infinity: Included
ERP posting
Foundation: Not included
Velocity: Included
Infinity: Included
Ledger reconciliation against GL
Foundation: Not included
Velocity: Included
Infinity: Included
Posting controls and audit trail
Foundation: Not included
Velocity: Included
Infinity: Included
Multi-entity and multi-currency ledgering
Foundation: Not included
Velocity: Not included
Infinity: Included
Custom accounting policies
Foundation: Not included
Velocity: Not included
Infinity: Included
Accrual and adjustment workflows
Foundation: Not included
Velocity: Not included
Infinity: Included
Automated journal approval workflows
Foundation: Not included
Velocity: Not included
Infinity: Included
Full transaction-to-GL lineage
Foundation: Not included
Velocity: Not included
Infinity: Included
Financial Close
Close readiness dashboard
Foundation: Not included
Velocity: Included
Infinity: Included
Close orchestration
Foundation: Not included
Velocity: Not included
Infinity: Included
Account reconciliation
Foundation: Not included
Velocity: Not included
Infinity: Included
Close certification and sign-off
Foundation: Not included
Velocity: Not included
Infinity: Included
Period-end exception management
Foundation: Not included
Velocity: Not included
Infinity: Included
Close adjustments and journals
Foundation: Not included
Velocity: Not included
Infinity: Included
Audit evidence and close pack
Foundation: Not included
Velocity: Not included
Infinity: Included
Transaction-to-GL-to-close lineage
Foundation: Not included
Velocity: Not included
Infinity: Included
Data & deployment
Data sources
Foundation: Up to 5
Velocity: Up to 10
Infinity: Unlimited
Connector library
Foundation: 200+ connectors
Velocity: 200+ connectors
Infinity: 200+ connectors
Custom ingest via API or SFTP
Foundation: Included
Velocity: Included
Infinity: Included
Deployment
Foundation: Enterprise cloud
Velocity: Enterprise cloud
Infinity: Private cloud, single tenant
Security & access
SSO (SAML, OIDC)
Foundation: Included
Velocity: Included
Infinity: Included
SCIM provisioning
Foundation: Not included
Velocity: Included
Infinity: Included
Role-based access
Foundation: Standard roles
Velocity: Custom roles
Infinity: Custom + field-level
Audit log retention
Foundation: Configurable
Velocity: Configurable
Infinity: Configurable
Customer-managed keys
Foundation: Not included
Velocity: Not included
Infinity: Included
Pen test reports and questionnaires
Foundation: On request
Velocity: Included
Infinity: Included
Service
Support
Foundation: Email, 9x5
Velocity: Email and Slack, 24x5
Infinity: 24x7 with named on-call
First response target
Foundation: 1 business day
Velocity: 4 hours
Infinity: 1 hour, P1
Implementation
Foundation: Guided onboarding
Velocity: Managed onboarding
Infinity: Managed onboarding
Customer success manager
Foundation: Not included
Velocity: Included
Infinity: Named CSM + solutions architect
Business reviews
Foundation: Not included
Velocity: Twice yearly
Infinity: Quarterly

Need a capability from a higher plan without moving up? Ask us. Capabilities can be scoped individually.

Talk to sales

Finance and payments teams running on Optimus

Sephora
Under Armour
QuikTrip
Arrive
Tillo
ACI Worldwide
CFSB
Virgin VoyagesVOYAGES

Outcomes

What changes after go-live

The same three things come up in every programme review: the close gets shorter, the exceptions get smaller, and someone finds money that was quietly leaking.

Global specialty retail

6.5 days

Cut from the payments portion of the monthly close once Ledgering began generating and posting settlement journals straight into the ERP.

PlanVelocity

Travel & hospitality

$3.1M

Recovered in twelve months from processor fee discrepancies surfaced by Fee Validation and claimed with the evidence pack Optimus generated.

PlanVelocity

Digital banking

99.98%

Of transactions auto-matched inside a single-tenant private cloud, with residency and customer-managed keys held to the regulator's requirements.

PlanInfinity

Security & compliance

Built for the teams
your auditor calls first

Optimus holds the payment data your finance, treasury and audit teams depend on. It is controlled accordingly, on every plan, not just the enterprise one.

Encryption
AES-256 at rest, TLS 1.3 in transit
Residency
US, EU, UK, UAE, APAC
Testing
Annual third-party pen test, live bug bounty
Uptime
99.9% to 99.99% by plan

SOC 2 Type II

Audited annually across security, availability and confidentiality.

PCI DSS Level 1

Certified service provider. Card data is tokenised, never stored raw.

ISO 27001

Information security management certified end to end.

GDPR & CCPA

DPA, sub-processor register and regional data residency.

SSO, SCIM & RBAC

SAML and OIDC, automated provisioning, custom and field-level roles.

Private cloud & CMEK

Single-tenant deployment in your region or VPC, with your own keys.

Questions

Before you
talk to sales

Still unresolved? Email sales@optimus.tech and a solutions engineer, not a form, will reply.

Monthly reconciled transaction volume, in tiers. That is the only metered input. Payment complexity and deployment needs decide which plan you are on, and therefore which rate card your volume tier sits against. Users, connectors, entities and API calls are never metered.

No. There is no per-connector or per-integration charge, and connecting a new processor or bank account mid-term does not change your invoice. The only limit is a plan one: Foundation fuses up to five sources, Velocity up to ten, and Infinity is unlimited. If you outgrow your plan you move up for the capability, not because you were billed for the extra connection.

Any system Optimus ingests from or writes to: a payment processor, an acquirer, a bank account, a wallet, a marketplace, a PSP report feed, or an ERP. Two entities on the same processor count as one source if they share credentials. It is a capability limit on Foundation, not a billing unit.

No. Every plan includes unlimited users, viewers and approvers. Reconciliation only works when treasury, accounting, FP&A and audit are all looking at the same numbers, so we never price in a way that discourages that.

Nothing breaks and nothing is billed retroactively. Reconciliation keeps running on every transaction. Because volume is the meter, sustained growth does eventually move you a tier, but only at renewal, and only after you have sat above the line for three consecutive months.

Median time to a first reconciled close is 14 days on Foundation and 4 to 6 weeks on Velocity, depending on ERP integration scope. Infinity deployments add time for private cloud provisioning and your security review. Implementation is scoped and quoted with your plan, and may carry a one-time fee depending on integration scope.

Yes, and most customers do. Upgrades take effect immediately with a pro-rated adjustment; your historical data, rules and mappings carry across untouched because it is the same platform underneath.

Enterprise cloud, on Foundation and Velocity, gives you a dedicated database, isolated compute and your choice of region on Optimus-managed infrastructure. Private cloud on Infinity is a fully single-tenant deployment in your own region or VPC, with customer-managed encryption keys and an independent release cadence you control.

NetSuite, SAP S/4HANA, Oracle Fusion, Microsoft Dynamics 365, Workday Financials, Sage Intacct and QuickBooks Online, plus a generic API and flat-file option for anything else. Ledgering is available on Velocity and Infinity.

Yes. We run a fixed four-week proof of value on a sample of your historical data, typically one processor and one bank account, and report the match rate and fee variance we find. If the numbers do not stand up, you owe nothing.

Get started

See your own data reconciled in 30 minutes

Bring one month of settlement files and a bank statement. We will fuse them live, show you the match rate, and tell you which plan fits, before anyone mentions a contract.

No card required · No per-seat fees · Cancel before renewal