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
- 9 file validations per month
- 9 Quick Sends per month
- Plus — validate a file free without signing up
- 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 file validations per month
- 75 drafts or Quick Sends per 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 file validations per month
- 200 drafts or Quick Sends per 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 file validations
- Unlimited drafts or Quick Sends
- 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
Compare Plans Side by Side
Every plan tier and what's included in each.
| Free | Pro | Plus | Max | |
|---|---|---|---|---|
| Monthly price | $0 | $19 | $49 | $79 |
| User seats | 1 | 3 | 5 | 10 |
| File validations per month | 9 | 75 | 200 | Unlimited |
| Drafts or Quick Sends per month | 9 | 75 | 200 | Unlimited |
| ACH validation | ||||
| Quick Send wizard | ||||
| ACH drafting | ||||
| SFTP bank connections | 1 | 3 | 5 | |
| Org-wide MFA enforcement | ||||
| Scheduled transmissions | ||||
| Priority support |
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 | ||||
| Quick Send wizard (no NACHA learning curve) | ||||
| 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. You can validate an ACH file right now without creating an account — 5 free validations per month, no signup required. Create a free account and you get 9 validations per month. ACH drafting, SFTP transmission, and other features are available on paid plans starting at $19/month.
Can I Use the Validator Without Creating an Account?
Yes. Visit the ACH Validator page and upload a file — you get 5 free validations per month, no signup required. For more frequent use, create a free account for 9 validations per 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 sensitive data at rest with Always Encrypted, enforce passwordless authentication, and mask financial data at every layer. 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.