Pricing · Polar.sh
Four plans. Full product. Limits you can understand.
Every tier includes the same broad feature surface — fraud and credit AI, unlimited borrowers and repayments (within fair use of the service), accounting, API (on eligible tiers), omnichannel notifications, audit trails, and more. You choose capacity: branches, staff seats, support level, and domain strategy. Subscriptions are billed through Polar.sh with a 7-day trial on each plan. Built by Oversight Innovative Technologies.
Growth annual incentive: first-time business registrations may receive 25% off Growth when paying annually — validated at checkout. Other plans follow standard monthly or annual pricing you configure in Polar.
Choose a tier
Start with the footprint you have today
Upgrade as branches and staff grow. Enterprise publishes predictable overage pricing for scale events.
Basic
Solo operator or single-branch pilot with the full product surface area.
$20/month
Annual list: $240/yr (12× monthly)
- 1 branch included
- 1 staff seats included
7-day trial before billing.
Checkout opens Polar.sh · configure NEXT_PUBLIC_POLAR_CHECKOUT_BASIC
Business
Small teams scaling to multiple branches with API access and priority support.
$40/month
Annual list: $480/yr (12× monthly)
- 2 branches included
- 3 staff seats included
7-day trial before billing.
Checkout opens Polar.sh · configure NEXT_PUBLIC_POLAR_CHECKOUT_BUSINESS
Growth
Regional lenders with more branches and staff, same premium entitlements as Business.
$80/month
Annual list: $960/yr (12× monthly) · eligible first-time orgs: $720/yr (25% off Growth annual)
- 3 branches included
- 6 staff seats included
7-day trial before billing.
Checkout opens Polar.sh · configure NEXT_PUBLIC_POLAR_CHECKOUT_GROWTH
Enterprise
Higher included capacity; simple overage pricing for scale beyond the bundle.
$150/month
Annual list: $1800/yr (12× monthly)
- 5 branches included
- 10 staff seats included
- +$5/mo per extra staff · +$10/mo per extra branch
7-day trial before billing.
Checkout opens Polar.sh · configure NEXT_PUBLIC_POLAR_CHECKOUT_ENTERPRISE
Comparison
What differs between tiers
Everything else in the product catalog is included — these rows are the commercial differentiators from our published specification.
| Capability | Basic | Business | Growth | Enterprise |
|---|---|---|---|---|
| Included branches | 1 | 2 | 3 | 5 |
| Included staff seats | 1 | 3 | 6 | 10 |
| Custom domain (business / borrower site) | Standard site | |||
| API access | — | |||
| Support | 24/7 | Priority | Priority | Priority |
| Enterprise overages | — | — | — | +$5/staff · +$10/branch |
“All other features included” means the product modules described on the home and platform pages — subject to fair use, roadmap availability (e.g. mobile apps), and your Polar product configuration.
Polar integration
Connect your checkout links once
Create four products or checkout links in Polar that match these tiers, then paste the URLs into environment variables. Embedded checkout attributes are preset on primary CTAs.
.env.local (example)
NEXT_PUBLIC_POLAR_CHECKOUT_BASIC=https://polar.sh/your-org/checkout/... NEXT_PUBLIC_POLAR_CHECKOUT_BUSINESS=https://polar.sh/your-org/checkout/... NEXT_PUBLIC_POLAR_CHECKOUT_GROWTH=https://polar.sh/your-org/checkout/... NEXT_PUBLIC_POLAR_CHECKOUT_ENTERPRISE=https://polar.sh/your-org/checkout/...
For server-side session creation or webhooks, follow the official Polar Next.js adapter documentation and mount handlers under /api.