Everything you need to know about Value.IO pricing, card data, integration, and getting started.
Pricing
No. Value.IO charges $0.05 per card on file and $0.05 per live transaction. There is no monthly platform fee, no setup fee, and no minimum spend.
A live transaction is any charge, authorization, or payment processed through the gateway to a processor. Sandbox and test transactions are not billed. Developer access is free with no expiration.
No. Pricing is flat. You pay $0.05 per card and $0.05 per transaction whether you process 100 transactions or 10 million. There are no volume tiers, no escalation clauses, and no renegotiation triggers.
No. Add-ons (Account Updater, Network Tokens, 3DS, 3RI) are opt-in and billed per use. Nothing is on by default. Card Data Enhancement, Apple Pay, and Google Pay are included at no additional cost.
Account Updater is billed at $0.25 per successful update, only when a card is actually updated. If you make a call and the card is already current, there is no charge. It is available on all processors in the Value.IO network.
Network Tokens are billed at $0.05 per lifecycle event. Lifecycle events are: token load, token update (network-initiated, no Account Updater call needed), and cryptogram fetch. Cold storage and transaction use are not billed.
Card data and ownership
Your platform does. Card data stored in the Value.IO vault belongs to your platform, not to any processor. If you change processors, your card data moves with you.
Card Data Enhancement returns BIN-level intelligence on stored cards at no additional cost. Pass expand=true on any GET /v1/cards/{id} request to receive card_brand, card_type, card_category, cardholder_type, regulated_flag, issuing_organization, country of issuance, and pan_length inside an issuer_details object.
The regulated_flag field indicates whether the issuing bank is subject to the Durbin Amendment (part of the Dodd-Frank Act). A value of "Y" means the issuing bank has assets over $10 billion and is subject to capped interchange rates on debit transactions. A value of "N" means the issuing bank is smaller and not subject to the cap, typically resulting in higher interchange on debit. This is useful for routing optimization.
Yes. Because card data is stored in the Value.IO vault, not at the processor level. You can route the same stored card to a different processor at any time without requiring the cardholder to re-enter their details.
Value.IO is PCI Level 1 certified: the highest level of payment card security certification in the industry.
Integration and routing
Value.IO connects to 300+ payment processors worldwide. From a single API integration, you can route transactions to any processor in the network.
The routing logic lives in your platform, not in a Value.IO rules engine. You use the card intelligence Value.IO provides (card type, country, regulated flag, and more) to make routing decisions in your own code. Then you tell Value.IO the amount, the vault ID, and the destination processor, and we execute. You write the rules. We run the transaction. That's what full control looks like.
You integrate the Value.IO API once. After that, adding or switching processors does not require re-integration. Your codebase does not change. Only your routing configuration.
Yes. Apple Pay and Google Pay are supported at no additional cost. Availability depends on processor support. Contact us to confirm for your destination processor.
3RI (3DS Recurring Indicator) handles server-to-server authentication for subsequent charges in a subscription series. After the cardholder completes a 3DS challenge at signup, 3RI authenticates follow-on recurring charges without requiring the cardholder to act again. Billed at $0.10 per call. Requires 3DS at subscription initiation.
Getting started
Apply on the homepage. We review every application and approve projects that are a good fit for the infrastructure. Approved accounts get free developer access with no expiration and full sandbox access from day one.
Yes. All developer accounts include sandbox access for testing. Sandbox transactions are not billed.
Full API documentation is available at api.value.io. The public Postman collection is freely accessible at postman.com/value-io/vio-public. Documentation access is free.
Value.IO Instant is the vertical-focused PayFac-as-a-Service offering for software platforms onboarding US merchants. It is bank-underwritten, focused on specific merchant verticals, and includes split pay, ACH, credit card acceptance, chargeback and refund control. Pricing varies by vertical. Contact the team to discuss.