Explore
Observe
For developers, evaluations, and small proof-of-concepts.
$0/ month
No credit card required
500payment events per month
1 team member
1 merchant
30 days of history
AI verdicts and confidence
CSV upload
Community support
Start free
Understand
Understand
For small teams that need continuous, explainable payment intelligence.
$99/ month
or $990 billed annually
10,000payment events per month
5 team members
10 merchants
6 months of history
AI explanations and chat
API and webhooks
Email support
Scale
Illuminate
For growing ISVs, ISOs, and payment teams managing a larger portfolio.
$299/ month
or $2,990 billed annually
50,000payment events per month
20 team members
100 merchants
24 months of history
Portfolio intelligence
Advanced graph analysis
Priority support
Enterprise
Enterprise
For processors, PayFacs, gateways, and multi-portfolio organizations.
Custom
Annual agreement
1M+payment events and custom volume
Unlimited team members
Unlimited merchants
Custom retention
SSO and audit controls
Custom models and rules
Dedicated intelligence partner
Plan recommender
Find the right starting point.
Adjust monthly payment volume and team size. We will recommend the smallest plan that fits both.
Monthly payment events10,000
50010K50K250K1M+
Team members5
152050Unlimited
Included from day one
We do not put intelligence behind a paywall.
Every plan includes the core capabilities that make Unclear useful. Paid plans increase scale, collaboration, history, and operational depth.
01
AI Verdicts
A clear assessment for every analyzed payment event.
02
Decision Confidence
See how strongly the available evidence supports each conclusion.
03
Explainability
Understand the contributing signals and why they mattered.
04
Transaction Search
Find and investigate activity without learning a query language.
05
Risk Bands
Consistent low, review, and high-risk classification across sources.
06
Secure Processing
Designed for minimized card data exposure and auditable decisions.
Compare plans
Scale without surprises.
The differences are transparent: volume, collaboration, integrations, and depth—not whether you receive intelligence.
| Capability | Observe | Understand | Illuminate | Enterprise |
|---|---|---|---|---|
| Monthly payment events | 500 | 10,000 | 50,000 | Custom / 1M+ |
| Team members | 1 | 5 | 20 | Unlimited |
| Merchants | 1 | 10 | 100 | Unlimited |
| Historical retention | 30 days | 6 months | 24 months | Custom |
| AI verdicts and confidence | ✓ | ✓ | ✓ | ✓ |
| AI explanations | ✓ | ✓ | ✓ | ✓ |
| Natural-language AI chat | — | ✓ | ✓ | ✓ |
| CSV upload | ✓ | ✓ | ✓ | ✓ |
| API access | — | Standard | Advanced | Custom throughput |
| Webhooks | — | ✓ | ✓ | ✓ |
| Graph intelligence | Basic | Standard | Advanced | Custom models |
| Portfolio intelligence | — | — | ✓ | ✓ |
| Custom rules | — | 25 | Unlimited | Unlimited |
| SSO and audit controls | — | — | Optional | ✓ |
| Support | Community | Priority | Dedicated |
Why is AI not a premium feature?
Because intelligence is the product. Every customer deserves an explainable verdict and a measurable level of confidence. Higher plans expand how much your organization can analyze, connect, retain, and collaborate on.
Choose a plan →Questions
Clear answers.
What counts as a payment event?
An ingested authorization, decline, settlement, refund, reversal, chargeback, or other supported payment record counts as one event when analyzed.
What happens if we exceed our monthly allowance?
We will notify you before the limit is reached. You may upgrade immediately or use predictable overage pricing once that schedule is finalized.
Can we invite more team members?
Yes. Upgrade to the next plan whenever you need more included collaborators. Enterprise supports an unlimited team.
Can we upload historical data?
Yes. CSV upload is included in every plan. API-based historical ingestion begins with Understand.
Can we connect multiple processors?
Understand supports standard integrations, Illuminate adds broader multi-source and portfolio capabilities, and Enterprise supports custom processor and gateway deployments.
Can we change plans at any time?
Yes. Self-service plans can be upgraded as your volume or team grows. Annual agreements receive the displayed discount.