Simple, transparent pricing
No hidden fees, no surprises. Start free and scale as you grow. All plans include unlimited virtual cards and real-time spending visibility.
Free
For startups and small teams getting started
What's included:
- ✓ Up to 5 team members
- ✓ 10 virtual cards
- ✓ 1 physical card
- ✓ £10,000/month spend limit
- ✓ Basic spending controls
- ✓ Real-time notifications
- ✓ Receipt capture via mobile
- ✓ Email support
- – Accounting integrations
- – Advanced controls
- – API access
No credit card required
Growth
For growing teams that need more control
Everything in Free, plus:
- ✓ Up to 25 team members
- ✓ Unlimited virtual cards
- ✓ 10 physical cards
- ✓ £100,000/month spend limit
- ✓ Advanced spending controls
- ✓ Merchant category restrictions
- ✓ Auto receipt matching (AI)
- ✓ Xero & QuickBooks integration
- ✓ Basic approval workflows
- ✓ Priority email support
- – API access
14-day free trial included
Business
For established teams needing full features
Everything in Growth, plus:
- ✓ Up to 100 team members
- ✓ Unlimited virtual cards
- ✓ 50 physical cards
- ✓ £500,000/month spend limit
- ✓ Geographic restrictions
- ✓ Time-based controls
- ✓ Multi-level approvals
- ✓ All accounting integrations
- ✓ Department budgets
- ✓ Full API access
- ✓ Phone & chat support
14-day free trial included
Enterprise
For large organisations with custom needs
Everything in Business, plus:
- ✓ Unlimited team members
- ✓ Unlimited cards
- ✓ Custom spend limits
- ✓ Custom card designs
- ✓ SAML SSO
- ✓ Dedicated account manager
- ✓ Custom integrations
- ✓ SLA guarantees
- ✓ On-premise deployment option
- ✓ Security review & audit support
- ✓ 24/7 priority support
Custom pricing based on needs
Detailed feature comparison
| Feature | Free | Growth | Business | Enterprise |
|---|---|---|---|---|
| Cards & Limits | ||||
| Team members | 5 | 25 | 100 | Unlimited |
| Virtual cards | 10 | Unlimited | Unlimited | Unlimited |
| Physical cards | 1 | 10 | 50 | Unlimited |
| Monthly spend limit | £10K | £100K | £500K | Custom |
| Custom card designs | ✗ | ✗ | ✗ | ✓ |
| Spending Controls | ||||
| Individual card limits | ✓ | ✓ | ✓ | ✓ |
| Merchant category restrictions | ✗ | ✓ | ✓ | ✓ |
| Geographic restrictions | ✗ | ✗ | ✓ | ✓ |
| Time-based restrictions | ✗ | ✗ | ✓ | ✓ |
| Merchant locks | ✗ | ✓ | ✓ | ✓ |
| Approval workflows | ✗ | Basic | Multi-level | Custom |
| Receipt & Expense Management | ||||
| Mobile receipt capture | ✓ | ✓ | ✓ | ✓ |
| AI receipt matching | ✗ | ✓ | ✓ | ✓ |
| Email receipt forwarding | ✗ | ✓ | ✓ | ✓ |
| Receipt reminders | ✗ | ✓ | ✓ | ✓ |
| Department budgets | ✗ | ✗ | ✓ | ✓ |
| Integrations | ||||
| Xero | ✗ | ✓ | ✓ | ✓ |
| QuickBooks | ✗ | ✓ | ✓ | ✓ |
| Sage | ✗ | ✗ | ✓ | ✓ |
| NetSuite | ✗ | ✗ | ✓ | ✓ |
| Custom integrations | ✗ | ✗ | ✗ | ✓ |
| API access | ✗ | ✗ | ✓ | ✓ |
| Security & Compliance | ||||
| 3D Secure 2.0 | ✓ | ✓ | ✓ | ✓ |
| Fraud monitoring | ✓ | ✓ | ✓ | ✓ |
| SSO (SAML) | ✗ | ✗ | ✗ | ✓ |
| Audit logs | ✗ | ✓ | ✓ | ✓ |
| Security review support | ✗ | ✗ | ✗ | ✓ |
| Support | ||||
| Help centre access | ✓ | ✓ | ✓ | ✓ |
| Email support | ✓ | Priority | Priority | Priority |
| Phone support | ✗ | ✗ | ✓ | ✓ |
| Live chat | ✗ | ✗ | ✓ | ✓ |
| Dedicated account manager | ✗ | ✗ | ✗ | ✓ |
| SLA guarantee | ✗ | ✗ | ✗ | ✓ |
Transparent transaction fees
Simple, competitive fees with no hidden charges
UK transactions
All transactions with UK merchants are completely free, regardless of payment type.
European transactions
Transactions with merchants in the European Economic Area (EEA) and Switzerland.
International transactions
Transactions with merchants outside the UK and Europe. No additional FX fees.
ATM withdrawals
Flat fee per ATM withdrawal anywhere in the world. First 2 per month free on Business+.
Physical card
One-time fee for premium metal card. Replacement cards also £8. Virtual cards always free.
Express delivery
Next-day delivery for physical cards. Standard delivery (3-5 days) is free.
Common pricing questions
Can I change plans at any time?
Yes, you can upgrade or downgrade your plan at any time. When upgrading, you'll be charged the prorated difference immediately. When downgrading, the new price takes effect at your next billing date.
Is there a contract or minimum commitment?
No contracts, no minimum commitment. All plans are month-to-month (or annual if you choose). You can cancel at any time and continue using your account until the end of your billing period.
What happens if I exceed my spend limit?
You'll receive alerts at 80% and 90% of your limit. If you hit 100%, new transactions will be declined until the next month or until you upgrade. You can also request a temporary increase by contacting support.
How does the 14-day trial work?
You get full access to all features of your chosen plan for 14 days. No credit card required to start. If you don't add payment details, you'll automatically move to the Free plan after the trial.
Are there any setup or onboarding fees?
No setup fees for any plan. Enterprise customers may have optional paid onboarding and training packages available, but these are never required.
What payment methods do you accept?
We accept all major credit and debit cards, as well as direct debit (BACS) for Business and Enterprise plans. Annual plans can also be paid via bank transfer or invoice.
Do you offer discounts for nonprofits or startups?
Yes! We offer 50% off Growth and Business plans for registered charities and B Corp certified companies. We also partner with accelerators to offer startup credits—ask us if your accelerator is a partner.
What's included in "unlimited" virtual cards?
Truly unlimited. Create as many virtual cards as you need at no additional cost. Each card gets unique details, can have individual limits, and can be frozen or cancelled independently.
Ready to take control of your spending?
Join 15,000+ businesses already using Vydapay. Start free, no credit card required.