Interchange pays for the cards. You pay for the people who manage them.
For studios under 10 people getting off shared cards.
Client budgets, approvals and accounting sync.
Multi-entity agencies and holding groups.
Swipe sideways to see all three plans →
| Feature | Starter$0 forever | Growth$12 / user / month | ScaleCustom |
|---|---|---|---|
| Virtual cards | 5 | Unlimited | Unlimited |
| Client budgets | Not included | Included | Included |
| Approval rules + Slack | Not included | Included | Included |
| Receipt capture | By email | Email, photo, Gmail | Email, photo, Gmail |
| Accounting sync | CSV export | Xero, QuickBooks, FreshBooks | + NetSuite |
| Margin reports per retainer | Not included | Included | Included |
| Multiple entities and currencies | Not included | Not included | Included |
| SSO (SAML) | Not included | Not included | Included |
| Support | Chat | Named finance success manager |
Still unsure? Email the team. A human answers within a working day.
No, per user. Interchange covers what the cards cost to run, so issuing one for every client and every channel doesn’t change your bill. Growth and Scale include unlimited virtual cards.
Anyone who can log in to Kestrel: finance leads, account leads who approve spend, and admins. Cardholders who only spend and send receipts are free, however many you add.
Yes. Move between Starter and Growth whenever you like and we prorate the difference to the day on your next invoice. Your cards, budgets and receipts stay exactly where they are.
Yes. Scale is an annual agreement, invoiced, because it includes onboarding for each entity and a named finance success manager. Starter and Growth stay month to month unless you pick yearly billing.