> ## Documentation Index
> Fetch the complete documentation index at: https://docs.vouchmark.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Pricing

> Pay-as-you-go pricing for every Vouchmark service. No monthly minimums.

Vouchmark uses a **wallet-based, pay-as-you-go** model. Fund your wallet, and each verification or service call deducts from your balance in real time. There are no monthly minimums, no per-seat charges, and no hidden fees.

## How billing works

1. **Fund your wallet** — top up via card (Paystack) or bank transfer from the [Billing page](https://vouchmark.com/billing).
2. **Run verifications** — each module deducts the listed cost from your balance when it executes.
3. **Monitor usage** — the dashboard shows real-time spend per widget, per applicant, and per module.
4. **Auto top-up** — optionally set a threshold; we recharge your wallet automatically when the balance drops below it.

<Info>
  Sandbox environment is always free. Costs only apply in the **live** environment.
</Info>

<Note>
  All amounts below are in Naira. The API stores and returns these prices in **kobo**
  (₦1 = 100 kobo). The `GET /v1/wallet/pricing-rates` endpoint returns both `price`
  (Naira) and `priceKobo` for each action.
</Note>

## KYB verification modules

Each module has a fixed per-execution cost. If a module is enabled on your widget, it charges when executed during an applicant session.

### Business identity

| Module                   | Cost (NGN) | Description                     |
| ------------------------ | ---------- | ------------------------------- |
| Business profile capture | ₦50        | Business profile capture        |
| Industry classification  | ₦50        | Industry classification mapping |

### Verification checks

| Module                    | Cost (NGN) | Description                                      |
| ------------------------- | ---------- | ------------------------------------------------ |
| CAC verification          | ₦300       | Live lookup against Corporate Affairs Commission |
| TIN verification          | ₦200       | FIRS / JTB taxpayer lookup                       |
| SCUML registration        | ₦250       | SCUML certificate validation                     |
| Tax clearance             | ₦600       | Tax clearance certificate validation             |
| Business licence          | ₦600       | Regulator registry cross-check                   |
| Address verification      | ₦500       | Document-based proof                             |
| Bank account verification | ₦250       | Bank account name match                          |
| Operational proof         | ₦750       | Statement analysis + web presence check          |

### People & ownership

| Module               | Cost (NGN) | Description                          |
| -------------------- | ---------- | ------------------------------------ |
| Directors KYC        | ₦400       | Per director — ID, liveness, address |
| Shareholders KYC     | ₦350       | Per qualifying shareholder           |
| Beneficial ownership | ₦1,000     | UBO resolution                       |
| Liveness check       | ₦350       | Liveness + selfie-to-ID match        |

### Documents

| Module             | Cost (NGN) | Description        |
| ------------------ | ---------- | ------------------ |
| Document vault OCR | ₦150       | Document vault OCR |

### Screening & compliance

| Module              | Cost (NGN) | Description                                |
| ------------------- | ---------- | ------------------------------------------ |
| AML screening       | ₦900       | Transactional risk + jurisdiction analysis |
| PEP screening       | ₦450       | PEP database check                         |
| Sanctions screening | ₦450       | Consolidated sanctions lists               |
| Adverse media       | ₦700       | Regulated news + court filings             |

### Session fee

Every applicant session incurs a flat **₦50** base fee on top of module costs. This covers session infrastructure, encrypted data storage, and audit logging.

## Standalone verifications

These actions are billed outside the KYB widget flow.

| Action                     | Cost (NGN) | Description               |
| -------------------------- | ---------- | ------------------------- |
| CAC basic lookup           | ₦200       | CAC basic lookup          |
| CAC advanced profile       | ₦3,000     | CAC advanced profile      |
| TIN verification           | ₦150       | TIN verification          |
| BVN match                  | ₦200       | BVN match                 |
| NIN match                  | ₦150       | NIN match                 |
| Address verification       | ₦1,800     | Address verification      |
| Bill verification          | ₦100       | Utility bill verification |
| Company dossier            | ₦800       | CAC + TIN + checks bundle |
| Document verification (AI) | ₦250       | AI document verification  |
| Trust badge generation     | ₦200       | Trust badge generation    |

## Trust Monitor

| Service                          | Cost (NGN)   | Cadence                                     |
| -------------------------------- | ------------ | ------------------------------------------- |
| Sentinel monitoring (per entity) | ₦6,000/month | All sources, 4-hourly, per monitored entity |
| Investigation report             | ₦15,000      | Base report                                 |
| Investigation extra subject      | ₦5,000       | Per additional subject on a report          |
| Premium expedited dispute        | ₦2,000       | Optional fast-track dispute review          |

<Note>
  Watchlist capacity depends on your tier. See your dashboard for current limits.
</Note>

## Vouch AI

| Service        | Cost (NGN)          | Description                                                                          |
| -------------- | ------------------- | ------------------------------------------------------------------------------------ |
| Vouch AI usage | ₦100 / 1,000 tokens | Metered per 1,000 tokens across chat, streaming, quick chat, and AI company overview |

## Volume discounts

For high-throughput integrations processing 500+ verifications/month, contact [sales@vouchmark.com](mailto:sales@vouchmark.com) for custom volume pricing.

## Retrieving rates programmatically

Fetch the latest pricing via the API:

```bash theme={null}
curl https://api.vouchmark.com/v1/wallet/pricing-rates \
  -H "Authorization: Bearer $TOKEN"
```

Returns the current cost for each action — both `price` (Naira) and `priceKobo`. See [Wallet API](/api-reference/wallet/pricing-rates).

## Cost estimator

The widget builder in the dashboard includes a real-time **cost estimator** that shows the per-applicant cost based on your enabled modules. Use it to model costs before going live.