Penumbra is the only intelligent payment orchestration platform that prices transparently. Every tier shown. Every number published. Fifteen percent off your first year when you pay annually. Cancel any month with no termination fee.
First-year introductory rate for new customers. Renews at standard annual rate after twelve months.
All tiers include the full intelligence engine, the multi-PSP routing layer, and the full API surface. Tiers differ in included transaction volume, custom routing flexibility, and support level. No feature gating.
Three optional surfaces that customers consistently elect into. Pricing is transparent and outcome-tied where it makes sense.
The vertical-SaaS and platform-operator surface. Customer wallets, money-flow ledger, revenue splits, customer-health scoring, lead pipeline, twelve AI decision surfaces. Available as an add-on to Pro, Scale, and Max.
AI-driven evidence-package generation, rebuttal drafting, and one-click submission. We charge twenty percent of the recovered amount only on disputes we win. Lose, and you pay nothing. No monthly fee, no per-fight fee, no flat rate.
The intelligence engine doesn't get gated behind tiers. Pricing reflects volume and support depth, not feature access.
Production-equivalent sandbox with all API endpoints, all event types, and simulated processor failures. Available from day one.
41 canonical event types across 11 families. One webhook schema regardless of which processor handles the transaction.
Complete REST API covering routing, risk, settlements, chargebacks, payouts, webhooks, and reporting.
No implementation invoice, no integration retainer, no "platform onboarding" charge. The first dollar you spend with us is the first month's subscription.
A transaction is any data event the routing engine has to decide on. That includes an approved charge, a declined charge that fails over to a second processor (each leg is its own decision), a refund, a chargeback inbound, a settlement batch, a payout. If Penumbra has to route it, it counts. This is the same unit we use to size capacity, so we never have an incentive to over-count.
Bundled and Enterprise are sized for the economics of the deal (dollar volume), because at those edges the routing-cost math doesn't drive the conversation. Pro / Scale / Max are sized for the cost-to-serve (transaction count), because that's what scales our infrastructure. To figure out your tier: at a $50 average ticket, $25K/mo ≈ 500 transactions, and $10M/mo ≈ 200,000 transactions. Pick the tier whose busier metric matches your traffic.
Yes. On Pro, Scale, and Max, routing is provider-neutral. The engine picks the winning processor purely on approval probability, cost, and latency — not because we own one of the rails. The Bundled tier is the explicit exception (it's free because volume rides 0030); we publish that trade-off plainly. Routing-decision audit logs are exportable from every tier so you can verify on your own data.
Yes. Fifteen percent off your first year when you commit annually at checkout. Toggle the "Annual" button at the top of this page to see year-one and renewal pricing per tier. Annual customers can upgrade mid-cycle and the discount carries to the new tier for the remainder of year one. Cancel up to seven days before renewal for a prorated refund.
To qualify for Penumbra Bundled (the free tier), your monthly processed volume on the 0030 Payments rail must be $25,000 or higher. If you process below that threshold in a given month, you'll be moved to Pro pricing for that month. Drop back below the floor and Pro pricing continues; cross back above the floor for two consecutive months and Bundled resumes.
New customers who pick Annual at checkout pay fifteen percent less in year one. You pay twelve months upfront at the discounted rate; the contract renews automatically at the standard annual rate after twelve months (no surprises, the renewal price is shown on every tier card). Cancel up to seven days before the renewal date for a prorated refund of unused months. Annual customers can upgrade tiers mid-cycle and the discount applies to the new tier for the remainder of year one. The intro rate is a one-time new-customer discount, not a perpetual one — by month thirteen, the platform has either earned its keep or you're free to leave.
Overage transactions are billed at the rate shown on your tier card and added to your next invoice. There's no hard cap that stops processing; we'd rather you keep growing. If you consistently exceed your cap, we'll surface an in-dashboard recommendation to upgrade tiers and save money.
The Bundled tier requires your primary rail to be 0030. You can still fail over to backup PSPs (Worldpay, Stripe, Adyen, etc.) on degraded performance; routing intelligence still runs across all your processors. The qualification is about which rail handles your primary volume.
Same backbone, two surfaces. Penumbra is the merchant view (one operator running one business). Penumbra for Platforms is the platform view (a vertical SaaS, marketplace, or multi-brand operator running a portfolio of merchants). The add-on unlocks the platform surface on top of your existing tier subscription.
Above roughly $10M monthly volume, or for any customer requiring white-label deployment, dedicated SLA terms, custom routing models, or a named technical account team. Most customers above $10M find Max pricing inefficient relative to a negotiated Enterprise contract.