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Subscription Plans

Choose between flexible monthly subscriptions or pay-as-you-go one-time credit purchases.

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Monthly Subscriptions

Basic

₹499/monthPerfect for individuals and small projects
  • 500 credits/month
  • All tier access
  • 1,000 req/hour
  • Email support
  • Usage analytics

Standard

₹1,999/monthFor growing businesses and active traders
  • 2,500 credits/month
  • All tier access
  • 2,000 req/hour
  • Priority support
  • Advanced analytics
  • Early features

Pro

₹4,999/monthFor professional traders and firms
  • 7,500 credits/month
  • All tier access
  • 5,000 req/hour
  • Dedicated support
  • Custom integrations
  • 99.9% SLA

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Plan Comparison

FeatureFreeBasicStandardProEnterprise
Monthly Credits0 (350 signup)5002,5007,500Custom
Credits ExpireNeverMonthlyMonthlyMonthlyN/A
Rate Limit500/hr1,000/hr2,000/hr5,000/hrCustom
Free Tier Access
Basic Tier AccessPay per use
Standard Tier AccessPay per use
Pro Tier AccessPay per use
SupportCommunityEmailPriorityDedicatedCustom SLA
AnalyticsBasicAdvancedAdvancedEnterprise
Uptime SLA99%99.5%99.9%99.9%99.99%

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One-Time Credit Packages

Buy credits once, use anytime - never expire:
PackageCreditsPricePer CreditBest For
Starter200₹199₹0.995Testing & experimentation
Standard500₹449₹0.898Occasional API users
Pro1,000₹799₹0.799Regular users
Bulk5,000₹3,499₹0.700Heavy users
One-time credits stack with subscription credits and never expire!

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Enterprise Plans

Custom solutions for financial institutions:

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Features

  • 💰 Custom Pricing - Volume discounts available
  • 🚀 Dedicated Infrastructure - Isolated environments
  • 🔐 SSO Integration - SAML, OAuth, AD
  • 📊 Advanced Analytics - Custom dashboards
  • 🛡️ Enhanced SLA - 99.99% uptime guarantee
  • 👨‍💻 Dedicated Support - Slack/Teams integration
  • 🌍 On-Premise Option - Deploy in your infrastructure
  • 🔧 Custom Integrations - Direct database access
  • 📝 Contract Terms - Annual agreements, invoicing

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Pricing Model

Based on expected usage:
Monthly RequestsEstimated Cost
100,000₹25,000/month
500,000₹99,000/month
1,000,000+Custom quote
Contact Sales: support@fincept.in

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Subscription Management

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Subscribe to Plan

curl -X POST https://api.fincept.in/cashfree/create-order \
  -H "X-API-Key: fk_user_your_key" \
  -H "Content-Type: application/json" \
  -d '{
    "plan_id": "basic_monthly"
  }'
Response: 
{
  "success": true,
  "data": {
    "payment_url": "https://payments.cashfree.com/...",
    "session_id": "session_abc123",
    "amount": 499
  }
}

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View Active Subscriptions

curl https://api.fincept.in/user/subscriptions \
  -H "X-API-Key: fk_user_your_key"

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Cancel Subscription

curl -X DELETE https://api.fincept.in/cashfree/subscription \
  -H "X-API-Key: fk_user_your_key"
After cancellation, credits remain valid until end of billing period.

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Billing Cycle

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Monthly Subscriptions

Renewal Date: Same day each month (e.g., purchased Jan 15 → renews Feb 15) Credit Refresh: 
Jan 15: Subscribe → 500 credits
Feb 15: Auto-renew → Reset to 500 credits
Mar 15: Auto-renew → Reset to 500 credits
Unused Credits: Do not roll over Refresh to plan amount on renewal

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Payment Schedule

EventTimingAction
Initial paymentImmediatelyCredits added instantly
Auto-renewalMonthlySame date, same amount
Payment failure3 retry attemptsSubscription suspended
CancellationEnd of periodNo refund, credits valid

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Upgrading/Downgrading

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Upgrade Plan

Upgrade takes effect immediately: 
Current: Basic (500 credits, used 200)
↓
Upgrade to Standard (2,500 credits)
↓
New balance: 2,500 credits (immediate)
Proration:
  • Credited for unused days on old plan
  • Charged prorated amount for new plan
  • Credits reset to new plan amount

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Downgrade Plan

Downgrade takes effect at end of current billing period: 
Current: Standard (2,500 credits)
↓
Downgrade to Basic
↓
Continue with Standard until renewal date
↓
On renewal: Switch to Basic (500 credits)

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Payment Methods

Powered by Cashfree Payment Gateway:
  • Visa
  • Mastercard
  • RuPay
  • American Express
  • Diners Club

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Which Plan to Choose?

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Decision Matrix

Use Free Plan if:
  • Testing the API
  • < 350 total requests needed
  • Mainly using Free tier endpoints
  • Budget-constrained student/researcher
Use Basic Plan if:
  • Regular user (500+ requests/month)
  • Mix of Basic/Standard/Pro endpoints
  • Need consistent monthly credits
  • Professional hobby projects
Use Standard Plan if:
  • Active trader or analyst
  • Heavy Standard/Pro tier usage
  • Building production applications
  • Small team (2-5 developers)
Use Pro Plan if:
  • Financial institution
  • High-frequency usage
  • Multiple production apps
  • Dedicated support needed
  • Large team (5+ developers)
Contact Enterprise if:
  • 100,000+ requests/month
  • Custom SLA requirements
  • On-premise deployment needed
  • SSO integration required

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Cost Calculator

Estimate your monthly costs: Example 1: Options Trader 
100 Black-Scholes calls/day × 30 days = 3,000 calls
3,000 calls × 2 credits = 6,000 credits
Recommended: Pro plan (7,500 credits/month) = ₹4,999
Example 2: Portfolio Manager 
50 portfolio optimizations/month × 5 credits = 250 credits
200 statistics calls/month × 1 credit = 200 credits
Total = 450 credits
Recommended: Free (350 signup) + Starter pack (200) = ₹199 one-time
Example 3: Research Platform 
10,000 stat calls/month × 1 credit = 10,000 credits
Recommended: Contact enterprise for volume pricing

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Next Steps

Pricing Overview

Complete pricing information

Credit System

How credits work in detail

Billing FAQ

Common billing questions

Start Free

Register and get 350 credits