Pricing
Flat monthly pricing. No per-transaction fees. No middleman. Cancel anytime.
Free
Validate your NACHA files before uploading to your bank
- 1 user seat
- 3 files/month
- ACH validation
- ACH drafting
- SFTP bank connections
- Org-wide MFA enforcement
Pro
Replace manual check-writing for your small team
- Up to 3 user seats
- 75 files/month
- ACH validation
- ACH drafting
- 1 SFTP bank connection
- Org-wide MFA enforcement
- Scheduled transmissions
Plus
Automate vendor payments with SFTP and scheduling
- Up to 5 user seats
- 200 files/month
- ACH validation
- ACH drafting
- Up to 3 SFTP bank connections
- Org-wide MFA enforcement
- Scheduled transmissions
Max
Full ACH origination suite with QuickBooks sync
- Up to 10 user seats
- Unlimited files
- ACH validation
- ACH drafting
- Up to 5 SFTP bank connections
- Org-wide MFA enforcement
- Scheduled transmissions
- Priority support
Need more seats or SFTP connections? Contact us
See How Much You Could Save
Compare the real cost of paying 200 vendors per month
| Physical Checks | Managed Bill Pay | Enterprise ERP | FiSTWorks | |
|---|---|---|---|---|
| Monthly cost at 200 payments | $800 – $2,400 | $100 – $200+ | $500 – $2,000 | $19 – $79 flat |
| Per-transaction fee | $4 – $12 each | $0.50 – $1.00 | Varies | None |
| Bank relationship | Direct | Via provider | Direct | Direct |
| NACHA file generation | ||||
| SFTP bank transmission | ||||
| Org-wide MFA enforcement | ||||
| QuickBooks integration | ||||
| Target user | Anyone | Any user | Finance team | Owner / Bookkeeper |
Common Questions
Can I Try FiSTWorks for Free?
Yes! Our Free plan includes the ACH Validator with up to 3 file validations per month. No credit card required. ACH drafting, SFTP transmission, and other features are available on paid plans starting at $19/month.
Can I Change Plans Later?
Absolutely. You can upgrade or downgrade at any time from your organization settings. Changes take effect at the start of your next billing cycle.
Is My Data Secure?
FiSTWorks is built on Microsoft Azure, which maintains SOC 2 Type II, ISO 27001, and PCI DSS certifications. On top of that, we encrypt SFTP credentials at rest with Always Encrypted, enforce passwordless authentication, mask sensitive data at every layer, and never store your ACH file contents beyond processing. Learn more about our security practices.
What Payment Methods Do You Accept?
We accept all major credit cards through our payment processor, Stripe. Max plan customers can contact us for invoice-based billing.