Pricing

Fincept API uses a credit-based system where credits are consumed per API call. Choose from flexible subscription plans or pay-as-you-go with one-time credit purchases.

Credit Costs by Tier

QuantLib endpoints are organized into four tiers, each with different credit costs:

Tier	Cost per Request	Modules Included
Free	0 credits	Core, Scheduling
Basic	1 credit	Statistics, Numerical, Solver, Economics
Standard	2 credits	Analysis, Curves, Pricing, Instruments, Stochastic, Volatility
Pro	5 credits	Models, Portfolio, Risk, Regulatory, ML, Physics

Free tier endpoints consume 0 credits and are always available to all users!

Examples

Endpoint	Tier	Credits
`/quantlib/core/date/is-business-day`	Free	0
`/quantlib/statistics/mean`	Basic	1
`/quantlib/pricing/black-scholes`	Standard	2
`/quantlib/risk/var`	Pro	5

New User Credits

Free Account (350 Credits)

Every new registered account receives 350 free credits that never expire:

curl -X POST https://finceptbackend.share.zrok.io/user/register \
  -H "Content-Type: application/json" \
  -d '{
    "username": "yourname",
    "email": "[email protected]",
    "password": "SecurePass123!"
  }'

What you get:

350 credits (never expire)
Access to all Free tier endpoints (unlimited)
Access to Basic tier (350 requests)
Access to Standard tier (175 requests)
Access to Pro tier (70 requests)
Full API documentation
Community support

Guest Account (50 Credits)

Test the API with a temporary guest account:

curl -X POST https://finceptbackend.share.zrok.io/guest/create \
  -H "Content-Type: application/json" \
  -d '{"device_id": "test-device"}'

What you get:

50 credits (24-hour validity)
Access to Free tier only
Limited to 50 requests/day
No credit top-up available

Guest accounts expire after 24 hours. Register for a permanent account to get 350 free credits!

Subscription Plans

Recurring monthly subscriptions with automatic credit renewal.

Basic Plan

₹499/month

500 credits/month
All tiers access
1,000 requests/hour
Email support
Usage analytics

Standard Plan

₹1,999/month

2,500 credits/month
All tiers access
2,000 requests/hour
Priority email support
Advanced analytics
Early access to features

Pro Plan

₹4,999/month

7,500 credits/month
All tiers access
5,000 requests/hour
Dedicated support
Custom integrations
SLA guarantees

Enterprise Plans

Custom solutions for large-scale deployments:

📞 Contact Sales: [email protected]
💰 Custom pricing based on volume
🚀 Dedicated infrastructure options
📊 Advanced analytics and reporting
🔐 SSO integration and custom security
📜 Custom SLAs and support tiers
🌍 On-premise deployment available

One-Time Credit Purchases

Buy credits as needed without recurring subscription:

Package	Credits	Price (INR)	Cost per Credit
Starter	200	₹199	₹0.995
Standard	500	₹449	₹0.898
Pro	1,000	₹799	₹0.799
Enterprise	5,000	₹3,499	₹0.700

One-time credits never expire - use them whenever you need!

Purchase Credits

curl -X POST https://finceptbackend.share.zrok.io/payment/checkout \
  -H "X-API-Key: fk_user_your_key" \
  -H "Content-Type: application/json" \
  -d '{
    "plan_id": "credits_500"
  }'

Response:

{
  "success": true,
  "data": {
    "payment_url": "https://payments.cashfree.com/...",
    "session_id": "session_abc123",
    "amount": 449
  }
}

How Credits Work

Credit Deduction

Credits are deducted after successful API calls:

Request validated - API key and parameters checked (no charge)
Computation performed - QuantLib calculation executed
Credits deducted - Only if request succeeds
Response returned - Results sent to client

Failed requests do not consume credits! You’re only charged for successful operations.

Check Credit Balance

curl https://finceptbackend.share.zrok.io/user/profile \
  -H "X-API-Key: fk_user_your_key"

Response:

{
  "success": true,
  "data": {
    "username": "johndoe",
    "account_type": "free",
    "credit_balance": 284.5,
    "created_at": "2024-01-15T10:30:00Z"
  }
}

View Usage History

Track your credit consumption:

curl https://finceptbackend.share.zrok.io/user/usage \
  -H "X-API-Key: fk_user_your_key"

Response:

{
  "success": true,
  "data": {
    "period": "last_30_days",
    "total_requests": 127,
    "total_credits_used": 65.5,
    "current_balance": 284.5,
    "endpoint_usage": {
      "/quantlib/pricing/black-scholes": {
        "count": 45,
        "credits": 90
      },
      "/quantlib/risk/var": {
        "count": 5,
        "credits": 25
      }
    }
  }
}

Insufficient Credits

When your balance is too low, the API returns an error:

{
  "success": false,
  "message": "Insufficient credits",
  "detail": "Required: 5 credits, Available: 2 credits. Please purchase a new plan to continue."
}

HTTP Status: 402 Payment Required

Top up your credits before they run out to avoid service interruptions!

Credit Expiry

Account Type	Credits Expire?
Free account (350 signup credits)	Never expire
One-time purchases	Never expire
Monthly subscription	Monthly (use it or lose it)
Paid plan (after expiry)	Auto-downgrade to free (350 credits)

Expiry Behavior

Subscription Credits:

Refresh on the 1st of each month
Unused credits do not roll over
Cancel anytime, use credits until end of billing period

After Subscription Ends:

Account automatically downgrades to free tier
Receive 350 free credits (never expire)
Can still access all tier endpoints (at their credit costs)
Can purchase one-time credits or resubscribe anytime

Payment Methods

Secure payments powered by Cashfree Payment Gateway:

Supported Methods

Cards

Visa
Mastercard
RuPay
American Express

UPI

Google Pay
PhonePe
Paytm
BHIM UPI

Banking

Net Banking
Digital Wallets
EMI options

Payment Process

Create checkout session - Generate payment URL
Complete payment - Redirect to Cashfree
Verify payment - Automatic webhook validation
Credits added - Instantly to your account

# Step 1: Create checkout
curl -X POST https://finceptbackend.share.zrok.io/payment/checkout \
  -H "X-API-Key: fk_user_your_key" \
  -H "Content-Type: application/json" \
  -d '{"plan_id": "basic_monthly"}'

# Step 2: User completes payment at returned URL

# Step 3: Check updated balance
curl https://finceptbackend.share.zrok.io/user/profile \
  -H "X-API-Key: fk_user_your_key"

Transaction History

View all credit purchases and deductions:

curl https://finceptbackend.share.zrok.io/user/transactions \
  -H "X-API-Key: fk_user_your_key"

Response:

{
  "success": true,
  "data": {
    "transactions": [
      {
        "id": 123,
        "transaction_id": "txn_abc123",
        "amount_inr": 4.99,
        "credits_purchased": 500,
        "status": "completed",
        "created_at": "2024-01-15T10:30:00Z",
        "completed_at": "2024-01-15T10:30:15Z"
      }
    ]
  }
}

Cost Optimization Tips

1. Start with Free Tier

Use free tier endpoints (0 credits) whenever possible:

# Free - Check if date is business day
/quantlib/core/date/is-business-day

# Free - Parse date from string
/quantlib/core/date/parse

# Free - Create schedule
/quantlib/scheduling/schedule

2. Batch Similar Calculations

Instead of multiple API calls, batch similar operations when designing your workflow.

3. Cache Results

Store frequently used results (yield curves, calibrated models) locally and reuse them.

4. Use Appropriate Tiers

Don’t use Pro tier (5 credits) when Basic tier (1 credit) is sufficient:

# Use Basic tier for simple statistics (1 credit)
/quantlib/statistics/mean

# Not Pro tier VaR (5 credits) for simple mean calculation

5. Monitor Usage

Regularly check usage analytics to identify optimization opportunities:

curl https://finceptbackend.share.zrok.io/user/usage \
  -H "X-API-Key: fk_user_your_key"

Rate Limits

Prevent abuse while ensuring fair usage:

Account Type	Requests/Hour	Requests/Day
Free account	500	Unlimited
Basic plan	1,000	Unlimited
Standard plan	2,000	Unlimited
Pro plan	5,000	Unlimited
Enterprise	Custom	Custom
Guest account	60	50

Rate limit headers in every response:

X-RateLimit-Limit: 500
X-RateLimit-Remaining: 498
X-RateLimit-Reset: 1640998800

Refund Policy

Credits: Non-refundable once purchased
Subscriptions: Cancel anytime, no refund for current period
Service Issues: Contact [email protected] for review
Payment Errors: Automatic refund within 7 business days

FAQs

Do free credits expire?

No! The 350 signup credits and all one-time credit purchases never expire.

What happens when I run out of credits?

API calls will fail with a 402 error. Purchase more credits or upgrade to a subscription plan.

Can I cancel my subscription?

Yes, cancel anytime. Credits remain valid until the end of your billing period.

Are there any hidden fees?

No hidden fees. You only pay for credits - transparent pricing per tier.

Do unused subscription credits roll over?

No, subscription credits refresh monthly and unused credits don’t roll over. Consider one-time purchases if you need credits that never expire.

Can I get a refund?

Credits are non-refundable. Subscriptions can be cancelled anytime with no refund for the current billing period.

What's the difference between subscription and one-time credits?

Subscriptions refresh monthly (use it or lose it), while one-time credits never expire and can be used anytime.

How do I upgrade my plan?

Purchase a new subscription plan - it takes effect immediately and replaces your current plan.

View Available Plans

Get real-time pricing and plan details:

curl https://finceptbackend.share.zrok.io/payment/plans \
  -H "X-API-Key: fk_user_your_key"

Response:

{
  "success": true,
  "data": {
    "plans": [
      {
        "plan_id": "basic_monthly",
        "name": "Basic Plan",
        "credits_amount": 500,
        "amount_inr": 499,
        "validity_days": 30,
        "description": "Perfect for individuals and small projects"
      }
    ]
  }
}

Next Steps

Get Started

Create account and get 350 free credits

API Reference

Browse all endpoints and their credit costs

QuantLib Overview

Explore modules by tier

Contact Sales

Enterprise pricing and custom solutions

Contact Us

Have questions about pricing or need a custom solution?

📧 Email: [email protected]
💬 Discord: Join our community
📄 Enterprise: Request custom quote

Ready to get started? Register now and get 350 free credits instantly!

Get Started

Authentication & Security

Pricing & Credits

Core Concepts

QuantLib Overview

Module Guides

Examples & Use Cases

Advanced Topics

​Pricing

​Credit Costs by Tier

​Examples

​New User Credits

​Free Account (350 Credits)

​Guest Account (50 Credits)

​Subscription Plans

Basic Plan

Standard Plan

Pro Plan

​Enterprise Plans

​One-Time Credit Purchases

​Purchase Credits

​How Credits Work

​Credit Deduction

​Check Credit Balance

​View Usage History

​Insufficient Credits

​Credit Expiry

​Expiry Behavior

​Payment Methods

​Supported Methods

Cards

UPI

Banking

​Payment Process

​Transaction History

​Cost Optimization Tips

​1. Start with Free Tier

​2. Batch Similar Calculations

​3. Cache Results

​4. Use Appropriate Tiers

​5. Monitor Usage

​Rate Limits

​Refund Policy

​FAQs

​View Available Plans

​Next Steps

Get Started

API Reference

QuantLib Overview

Contact Sales

​Contact Us

Pricing

Credit Costs by Tier

Examples

New User Credits

Free Account (350 Credits)

Guest Account (50 Credits)

Subscription Plans

Enterprise Plans

One-Time Credit Purchases

Purchase Credits

How Credits Work

Credit Deduction

Check Credit Balance

View Usage History

Insufficient Credits

Credit Expiry

Expiry Behavior

Payment Methods

Supported Methods

Payment Process

Transaction History

Cost Optimization Tips

1. Start with Free Tier

2. Batch Similar Calculations

3. Cache Results

4. Use Appropriate Tiers

5. Monitor Usage

Rate Limits

Refund Policy

FAQs

View Available Plans

Next Steps

Contact Us