Advanta
Legal · API Pricing
Pricing
Three commercial motions, all with public pricing. Marketplace — 0.25% (25 bps) take rate on GMV, all-in (lead motion). APIs — per-call metered (€0.40 → €0.20) plus a 0.15% success commission on closed operations. White-label — €300–800k/year license, no fee per operation. Add-ons compose across motions. EU-only data residency on every plan. Marketing overview at tech.advanta.pt/pricing; this page is the contractual reference.
Motion 1 — Marketplace · the lead
The bank receives deal-flow originated inside the SME's ERP. We charge a 0.25% take rate (25 basis points) on the gross value of every operation that is funded and disbursed via the marketplace. No platform fee, no minimums, no setup. Volume tiers below 25 bps available above €100M/month originated.
| Operation type | Take rate | Notes |
|---|---|---|
| Factoring (with or without recourse) | 0.25% on disbursed amount | Charged on the bank's net advance to the SME (typically 90% of invoice face value). |
| Confirming / supplier finance | 0.25% on disbursed amount | Charged on the amount paid to the supplier on the bank's behalf. |
| Volume discount | 15–22 bps | Negotiated by tier above €100M/month originated. See contract. |
| Operations originated outside marketplace | — | If the bank only used Advanta APIs for scoring (not origination), pay per-call rates below — the take rate does not apply. |
Attribution rule: the take rate is only charged when the Advanta score was the primary input of the credit decision and the operation was funded and disbursed. Tracked via bidirectional webhook. If the bank's risk team overrides the score (manual approval based on relationship history, etc.), the operation is reported but not billed. Reconciled monthly with joint audit access.
Motion 2 — APIs · per-call metered + closed-operation commission
For fintechs and banks running their own origination platform. Two-line billing: per-call covers our compute + bureau data on every API request, and a 0.15% (15 bps) success commission is charged when an operation our score informed is funded and disbursed. The commission is 60% of the Marketplace take rate, reflecting that the customer is generating their own demand and only consuming our scoring/data layer.
| Component | Charge | When applied |
|---|---|---|
| Per-call | €0.40 → €0.20 / call | Every API request that returns 2xx (or cached). Tier rate depends on monthly volume — €0.20 from 10,000 calls/month onward. First 1,000 calls/month free. |
| Success commission · factoring | 0.15% on disbursed | Per funded operation where the Advanta score was primary input. Charged on the bank's net advance to the SME (typically 90% of invoice face value). |
| Success commission · confirming | 0.15% on disbursed | Per confirming operation where the Advanta score was primary input. Charged on the amount paid to the supplier. |
| Volume discount on commission | 10–13 bps | Negotiated above €100M/month closed via APIs. |
Why two lines? The per-call covers our marginal cost (compute + bureau data lookups). The commission captures upside aligned with the customer's outcome — we get paid more when they close more, less when they don't. This is the only motion where both lines are billed; Marketplace bundles everything into the 25 bps take rate, White-label charges a flat annual license with neither.
Bureau-data passthrough (live tier, Q3 2026): when the live tier ships with Iberinform + BdP CRC integration, fresh-call lookups will be billed as a separate cost-plus passthrough line (our wholesale rate + 15%, typically €1.20–€2.30 per fresh lookup, €0 on 24h cache hits). This will be visible on every invoice as
bureau_passthrough. Existing per-call rates remain for compute and our model. Sandbox calls are unaffected.
Sandbox
Developers exploring
€0 / month
- Unlimited sandbox calls (60/min rate limit)
- Full API surface — score, ESG, ERP connector
- Deterministic test NIFs
- OpenAPI + Postman collection
- Email support, best-effort
Starter
Pilot or single product line
€0.40 / call
- 600 calls/min rate limit
- Live tier — Iberinform + BdP CRC
- 99.9% uptime target (BetterStack monitoring)Formal SLA Q3 2026
- Email support, < 24h response
- Usage dashboards (live at /admin/usage)
Growth
5+ products / 10K+ calls
€0.20 / call
- 6,000 calls/min rate limit
- SLO reporting (live status page) + formal SLAQ3 2026
- Webhook delivery (Stripe-style HMAC, 5-attempt retries)
- Slack support, < 4h response
- IP allowlistQ3 2026
Enterprise
Bank or 100K+ calls/month
Custom
- Negotiated rate-limits + dedicated capacity
- 99.95% SLA + on-call rotationQ4 2026
- PrivateLink / VPC peeringOn-demand
- BYOK encryption (customer KMS)On-demand
- SAML SSO via WorkOSQ3 2026
- Dedicated support engineer
- SOC 2 Type II reportIn progress · Q1 2027
Motion 3 — White-label · annual license
For Top-4 banks who want to own the front-end with their own brand. Annual license replaces the take rate — no fee per operation. Available NDA-first with a free 2-week diagnostic.
| Component | Range | Notes |
|---|---|---|
| Annual license | €300k – €800k | Tiered by volume. Three branded portals (SME, supplier, branch advisor) included. Unlimited operations. |
| Setup fee (one-time) | €150k – €400k | 10–16 weeks: white-label customization, ERP integration into bank core, training, compliance review. Paid 50% on signature, 50% on go-live. |
| Single-tenant deployment | +€60k / year | Optional. Dedicated AWS account + infrastructure. |
| BYOK + PrivateLink | Included | Customer-managed KMS keys + VPC peering on White-label. |
| Strategic partnership · equity | Negotiated | For Top-3 anchor banks per market: equity warrants in exchange for committed volume and co-development. Replaces or reduces license fee. |
Add-on — Risk Monitoring (recurring)
Continuous re-scoring of an existing portfolio. Compatible with any motion. Useful for ongoing Basel/IFRS-9 monitoring evidence and early-warning on book deterioration.
| Tier | Price | What's included |
|---|---|---|
| Standard | €499 / month per 100 SMEs | Daily re-scoring; push alerts on insolvency filing, ATCUD anomaly, sustained late-payment, score swing >30 points; portfolio dashboard at /admin. |
| Each additional SME | €4.99 / month | Linear above 100 included. |
| Volume tier | From 1,000 SMEs | Negotiated discount; typically 30–50% off the standard rate at 5,000+ SMEs. |
What counts as a "call" (APIs motion)
| Endpoint | Billable? | Cache rules |
|---|---|---|
POST /v1/score | Yes | Cache hits within 24h are billed as cached calls (50% rate). Pass refresh: "force_refresh" for fresh. |
POST /v1/esg | Yes | Each invocation is a fresh compute. |
POST /v1/erp-connector/oauth/initiate | No | Free. |
POST /v1/erp-connector/sync | Yes | 1 call per 1,000 records or fraction. |
GET /v1/erp-connector/connections | No | Management endpoint, free. |
DELETE /v1/erp-connector/connections | No | GDPR-compliance endpoint, free. |
| 4xx errors (validation, auth) | No | Customer mistakes, not billed. |
| 5xx errors (our fault) | No | Free + automatic credit if SLA breached. |
Marketplace vs APIs — what's double-billed and what isn't. On the Marketplace motion the 25 bps is all-in: API calls inside the origination flow are not billed separately. On the APIs motion both lines apply: per-call covers usage and 0.15% covers closed-operation upside (since the customer is using our APIs as components in their own platform). Standalone API calls outside any origination flow (ad-hoc scoring of an existing book, etc.) revert to the per-call rate only — no commission applies because no operation closes. Customers running multiple motions get a unified Stripe invoice with line items per motion.
Multi-tenant pricing (White-label): the annual license covers all of your end users. We do not double-bill — your end-customer count is part of plan negotiation, not a per-seat fee. Risk Monitoring is the one exception: it is billed by SME-under-monitoring count regardless of motion.
Add-ons
- Risk Monitoring — €499/month per 100 SMEs continuously monitored. Compose with any motion. See section above.
- PrivateLink — VPC peering for tier-1 banks. €1,500/month per VPC endpoint. Included on White-label.
- BYOK encryption — customer-managed KMS key for tenant data. €500/month. Included on White-label.
- Dedicated database — separate Postgres instance for compliance segregation. €1,000/month + AWS pass-through.
- Annual penetration test report — under NDA, included on White-label, €5,000 one-off otherwise.
- Custom regulatory reporting (DORA / Basel IV) — available on White-label (included) and Marketplace (€2,000/month). Not available on APIs.
Billing
- APIs: two line items per invoice. (a) Stripe metered billing for per-call usage — events pushed nightly to Stripe Billing Meters per tenant per endpoint. (b) Closed-operation commission billed monthly via SEPA Direct Debit or wire transfer, itemized by operation ID with attribution evidence (webhook log). Net 30 on both lines. Minimum monthly fee on Starter and Growth applies to per-call only.
- Marketplace: SEPA Direct Debit or wire transfer. Monthly invoice on the first business day, due net 30. Itemized per funded operation (operation ID, gross amount, take rate, applicable volume tier).
- White-label: annual or quarterly invoicing against contract. Setup fee 50% on signature, 50% on go-live.
- Currency: EUR live. GBP / USD billing in development for 2027 alongside European expansion.
- Free service credits on failed SLA per the API Terms.
Honesty note. Items marked Coming describe what we're shipping next, not what's live today. We'd rather under-promise than have a bank discover a gap during a vendor risk assessment. Items without a tag are live in production and verifiable via the sandbox. Recently shipped: webhook delivery with HMAC + retries, customer-facing usage dashboard, public status page, GDPR DSAR endpoints, automated key rotation, Stripe metered billing pipeline, exception capture via Sentry. Updated roadmap on request — email.