Pricing

Governance costs less than a single quarter of ungoverned decisions.

A decision is one payment request evaluated by the policy engine. Shadow mode is free and stays free. You pay when you turn enforcement on.

See how it works →
Plans

Start free. Prevent money loss when ready.

Every plan starts with shadow mode. Upgrade to stop bad refunds automatically and to put policy, approvals, and a sealed audit record on every other outflow.

Best for: Teams evaluating in shadow mode

Free replay

See what a policy would have caught, before you pay anything

$0

or

  • Shadow mode is free and stays free: unlimited replay and simulation.
  • 90-day import, CSV or read-only Stripe connect
  • Shadow mode, free and stays free
  • Policy simulation and the decision ledger
  • No enforcement, no card
Run a free refund replay →
Most popular

Team

Turn enforcement on

$299/mo

  • 5,000 live governed decisions / month
  • Overage: $60 / 1k additional decisions
  • 5,000 decisions a month, $60 per 1,000 over
  • Live policy enforcement
  • Slack approvals
  • Kill switch
  • Immutable audit log and exports
Start with Team →
Best for: Regulated finance teams and platforms

Enterprise

For the requirements that need a conversation

Custom

  • Custom decision volume
  • Custom overage rate
  • SSO
  • On-prem gateway
  • Custom policy packs
  • Volume pricing on decisions
Contact sales →

Break-even math.
Team costs $299 a month. It pays for itself the month it prevents that much in refunds you did not owe.
Monthly cost divided by your average prevented refund gives the number of refunds that has to catch.

Annual billing. Annual billing is available on request; contact us for terms.

ROI

See the numbers for your team

Three inputs. One run-rate. No backend, no signup.

Estimate your ROI

Three numbers in. One annual run-rate out. No backend, no signup — adjust live.

At 2,500 decisions/month, Axiru Team costs $299/mo and could prevent $5,313 in monthly leakage — a 17.8x return.

Estimate only. Actual prevented leakage depends on your policy and historical refund mix.

How enforcement works

Two paths. Only one can block before money moves.

The full architecture is on /security; here’s the short version so you don’t have to leave pricing.

Path A · Enforcement (can block)

Caller → axiru.request_spend_approval → Stripe API

Your refund, credit, or adjustment code calls axiru.request_spend_approval first. Axiru evaluates policy and returns Allow, Deny, or Require Approval. The Stripe API call only fires on Allow. Wired in with ~10 lines via REST or MCP. This is the path that prevents bad outflows before money moves.

Path B · Observe + audit (cannot block)

Stripe webhook → Axiru ingest

Read-only Stripe Connect feeds refund, dispute, payout, and transfer events into the decision ledger for shadow-mode replay and audit. Webhooks fire after Stripe has executed, so this path is observability: use it to evaluate Axiru on your own history before flipping enforcement on.

When we say decisions before money moves, we mean Path A. See the full architecture →

Billing

What counts as a governed decision?

One definition. One price. Every rail you connect.

A live governed decision is any outbound value-transfer event evaluated by Axiru's policy engine with live enforcement active. The same definition applies across every rail you connect:

  • Stripe: refunds (enforced pre-execution), plus goodwill credits, payouts, Connect transfers, disputes, and platform fee refunds governed from webhooks.
  • Stripe DAA (agent payments): agent spend evaluated in shadow today; decisions count when DAA enforcement goes live.
  • x402 (HTTP-native agent payments): agent pre-authorization requests, settlement intents, and verifier responses processed via the cross-rail decision endpoint.
  • Stablecoins (early access): USDC-on-Solana transfer decisions via the public API, governed under the same definition today. Open USD (OUSD) support lands at issuance. See the public roadmap.
  • Future rails: UCP, Tempo, PYUSD, ACH, Modern Treasury, Dwolla, Square: type-system-reserved today, live adapters as they ship. Your policies stay rail-agnostic.

Auto-allowed, blocked, and approver-routed outcomes all count once, regardless of rail. Shadow-mode replays and historical imports are always free; they never count toward your decision volume.

Idempotent by design: agent retry loops will not bill you twice. Every POST /api/v1/decisions call accepts an idempotency_key in the body. The policy engine deduplicates by (workspace, idempotency_key) on a persistent store, so an agent that retries the same intent 50 times in a tight loop still results in one billed decision. Spend caps apply on top of dedupe: once you hit your cap, additional decisions either fail-closed (deny) or fail-open (allow + alert) based on your workspace policy.

Need policies that cite live external evidence (carrier tracking, Stripe disputes, merchant ToS, on-chain attestations) at decision time? Evidence Agent is available as a Control add-on and included at Enterprise.

FAQ

Common questions

Clear answers for self-serve onboarding.

Can I start in shadow mode?

Yes. Every new workspace begins in shadow mode. You only pay when you activate live enforcement.

Can I upload last 90 days?

Yes. Historical import is built into the free evaluation path. Shadow mode import does not count against decision volume.

Do I need to talk to sales?

No. You can start, evaluate, and run simulation entirely without contacting sales, Free Audit, Live Launch, and Control are all self-serve.

When do I connect Stripe?

Connect Stripe at onboarding for live event ingestion, or upload historical data first. Read-only access only during shadow mode.

Can I simulate before enforcement?

Yes. Simulation and replay happen before you turn on live enforcement, no production risk.

What does the Stripe connection require?

Read access to refund, dispute, payout, transfer, and customer balance events via Stripe webhook. We do not store payment method data. Connection is scoped to outflow governance events only.

Is there an annual billing discount?

Yes. Annual billing is available on request; contact us for terms. Switch at any time from your dashboard or contact us.

What happened to the Growth plan?

We replaced it with Live Launch ($199/mo), which is better for low-volume teams, and Control ($799/mo), which is the right fit once you're processing more than 2,500 decisions/month.

Do agent-payment rails (Stripe DAA, x402) cost extra?

No. The same per-decision pricing applies to refunds on legacy Stripe, agent spend authorizations on Stripe DAA, and pre-authorization requests on x402. One definition of ‘governed decision’ spans every rail you connect. Cross-rail policies count exactly once even when one logical decision touches multiple rails.

Which rails can I govern today?

Phase 1 today: Stripe (refund enforcement pre-execution; payouts, transfers, disputes, and platform fee refunds governed from webhooks), x402 (live, enforcing), Stripe DAA (shadow), and USDC on Solana (early access: pre-execution transfer decisions via the API). UCP, Tempo, Open USD (OUSD), USDC on Base, PYUSD, Plaid ACH, Modern Treasury, Dwolla, and Square are reserved in the type system; adapters ship as they’re available.

Can I set a spend cap?

Yes. Live Launch and Control plans support a monthly spend cap. We notify you at 80% and again at 100%. You can adjust or remove the cap from your billing settings.

What does the Enterprise conversation look like?

We discuss decision volume, multi-workspace setup, SOX controls, SSO requirements, and whether outcome-based pricing fits your model.

Next step

Whether your team is human, automated, or somewhere in between, governance starts here.

"Our team makes hundreds of refund, payout, and credit decisions a day. Some are human reps. Some may be automated. None of them are governed by a consistent policy with an audit trail. Axiru's shadow mode will show us, in dollars, what that costs across every outflow rail, before we spend anything on enforcement."

Start in shadow mode first. Move to live enforcement later.

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Pricing | Axiru | Governance for Stripe, Stripe DAA, and x402 | Axiru