Three tiers. One conversation.
Cifra is quoted by volume and operating model. The tiers below are the structure — final pricing adjusts to the issuer's actual program.
Pilot program
For issuers who want to validate the model on one vertical (corporate or subsidy) before scaling.
- Corporate portal + admin portal
- Up to 5,000 active cards
- Up to 100,000 transactions / month
- Standard support, business hours
- Core integrations: network + KYC + local tax
Production program
For issuers in active operation across one or more corporate / government segments.
- Everything in Starter
- Unlimited cards and transactions
- Full white label (seven tokens + logo + domain)
- Cardholder app (iOS + Android)
- 24/7 support with SLA
- Full integrations: network + KYC + multi-country fiscal + ERP
- VTS / MDES tokenization
Multi-tenant program
For banks operating multiple sub-brands or correspondent issuers.
- Everything in Growth
- Multi-tenant with per-brand data isolation
- Configurable issuer onboarding
- Full headless API
- Dedicated support + account architect
- On-demand certification sandbox
- Custom contract
No surprises in the contract.
Platform fee
Monthly or annual, by active card volume and processed transaction volume.
Implementation
One-time onboarding fee covering configuration, core integration, network certification and go-live.
Per-transaction fee
Per processed authorization — scales inversely with contracted volume.
The bank does not share revenue with Cifra
Cifra does not charge spread, FX or commission on the bank's end-customer movements. All interchange, FX and program fees stay whole with the bank.