Pricing built for trusted credit data
From per-check pricing to enterprise rollouts. Every workspace is reviewed by our team before activation because credit data demands accountability.
Reviewed before activation. Workspace opens after approval.
SNIC handles regulated credit information, so every institution - including Pay-as-you-go - is validated before a workspace is opened. Production access is never self-service.
Pay as you go
Real, approved production access billed per check. Start small and only pay when you actually run a check.
≈ US$0.84 per check
No monthly commitment · Prepaid wallet
Best for
Small lenders, brokers, pilot users, low-volume institutions
- Individual credit checks
- Basic profile lookup
- Basic score result
- Basic report export
- Limited inquiry history
Key limits
- •No monthly commitment
- •Prepaid wallet required
- •Limited inquiry history
Essential
For smaller institutions that want to participate with basic access.
Per institution, cancel anytime
Best for
Credit unions, micro-lenders, savings cooperatives
- Manual data upload
- Standard Excel templates
- Basic validation feedback
- Basic dashboard
- Limited profile search
Key limits
- •3 users
- •250 monthly inquiries
- •3 reports included
Professional
For active financial institutions that need stronger operational visibility.
Per institution, cancel anytime
Best for
Commercial banks, finance companies, leasing firms
- Everything in Essential
- Advanced dashboard
- Batch upload
- Validation center
- Detailed credit profile
Key limits
- •15 users
- •2,500 monthly inquiries
- •15 reports included
Enterprise
For banks, regulators or high-volume institutions that need automation and governance.
Volume-based, SLA included
Best for
Tier-1 banks, central banks, regulators
- Everything in Professional
- API access
- Automated ingestion
- Event-based updates
- Advanced scoring
Key limits
- •Custom users
- •Custom inquiries
- •SLA + dedicated support
Compare every feature
All packages share the same audited, encrypted core. Capabilities differ by tier.
| Feature | Pay as you go | Essential | Professional | Enterprise |
|---|---|---|---|---|
| Data submission | ||||
| Manual data upload | Single-check | |||
| Standard Excel templates | ||||
| Batch upload | ||||
| API access | ||||
| Event-based updates | ||||
| Automated ingestion | ||||
| Profiles & search | ||||
| Profile search | Single lookup | Limited | Full | Full + bulk |
| Detailed credit profile | ||||
| Inquiry history | Limited | |||
| Dashboards & reporting | ||||
| Dashboard | Basic | Basic | Advanced | Custom |
| Standard reports | ||||
| Regulator-ready reporting | ||||
| Advanced scoring | ||||
| Collaboration & governance | ||||
| Team roles | ||||
| Advanced roles and permissions | ||||
| Audit log | ||||
| Validation center | ||||
| Support | ||||
| Support | Priority | SLA + dedicated | ||
| Custom onboarding | ||||
Access to SNIC is controlled, reviewed and approved
Credit data is sensitive. After you select a package, our compliance team reviews your institution before activating your workspace. Every action inside SNIC is encrypted, signed and recorded in an immutable audit log.
Frequently asked questions
What is Pay as you go?+
Pay as you go is real, approved production access billed per credit check at AWG 1.50 (≈ US$0.84). There is no monthly fee - you fund a prepaid wallet after approval and are only charged when you actually run a check. Approval is still required because SNIC handles regulated credit information.
How is Pay as you go different from the Demo / Sandbox?+
The Demo / Sandbox is free, uses synthetic data and is meant for exploring the platform. Pay as you go gives you real production access to live credit data, billed per check. They are deliberately separate so 'free' never means access to real data.
How long does the approval process take?+
Most institution reviews complete in 3 to 5 business days. Enterprise reviews involving regulators may take longer based on documentation and jurisdiction.
Why is access reviewed and approved?+
Credit data is sensitive and regulated. Every institution joining SNIC undergoes a compliance review so the network stays trusted for all participants.
Can we switch packages later?+
Yes. You can upgrade or downgrade at any time from your workspace settings. Enterprise migrations include a guided onboarding.
What counts as one check?+
A check is counted when an authorized user opens a credit profile or generates an approved inquiry result. Re-checking the same profile later is billed as a new check so every action stays in the audit log.
How is data encrypted?+
All data is encrypted in transit (TLS 1.3) and at rest (AES-256). API access is signed and rotated. Every action is recorded in an immutable audit log.
Who can apply?+
Licensed financial institutions, regulators and approved fintech operators. Each application is verified against the local regulator's registry.
Need a custom Enterprise rollout?
For central banks, regulators and tier-1 institutions we tailor onboarding, governance and SLAs to your jurisdiction.