TreasuryPath · CFO Co-Pilot · Internal, Founders Only
Partner Pricing Dashboard
v3.1 · July 6, 2026 · supersedes v3.0 (earlier today) and v2.0 (Apr 4) · verified against the payments codebase, the Airwallex MSA (legal review Feb 18), and Moov published pricing (fetched Jul 6)
Two corrections vs prior versions, both verified today. (1) Airwallex carries ALL production payments today. The codebase confirms it is the only provider that has ever executed a payment (LOCAL transfers, SWIFT, direct debit, FX). The old tracker's "Aeropay = Active Model" rows were aspirational: Aeropay has zero integration in code (one ledger enum string, no client, no services), so current domestic ACH costs are Airwallex's ($1.00/payout, 0.60% cap $2/debit), not Aeropay's $0.25. (2) The Airwallex platform fee is $5,000/mo, LIVE since April 2026 (signed MSA; time-based waiver expired; no volume waiver exists). Migration status: Moov merged to main Jul 3 (PR #2358: ACH credit + debit + wallet behind a provider registry) with domestic cutover targeted this week.
−83%
ACH round-trip cost after Moov cutover: $3.00 (Airwallex) → $0.50 (Moov, $0.25/leg). Payouts drop 75% ($1.00 → $0.25); debits at the $2 cap drop 87.5%.
Cutover this week
Moov money movement merged to main Jul 3 (PR #2358); provider registry routes by institution; onboarding/creds PRs landing now. ACH debits work on Moov (Airwallex blocks embedded debits).
$5,000/mo
Airwallex platform fee, live since Apr 2026 ($60K/yr fixed). Contract-verified; no volume waiver. Airwallex stays for FX, SWIFT, and global rails after the domestic migration. corrected
$500/mo
Moov platform minimum + ~$8/mo per onboarded business (merchant, PCI, wallet, KYC tail). The savings math below nets these out.
The migration savings
Airwallex → Moov: what each domestic payment saves
Costs per transaction, all computed at a $1,000 average payment (a simplifying assumption for clean math, NOT tPath's actual average). At $1K every percentage fee resolves to a fixed number: Airwallex's 0.60% debit hits its $2 cap, Moov's 0.95% RTP hits its $5 cap. Airwallex = today (code-verified rails). Moov = published rate card. Wires, SWIFT, FX, and global rails are untouched by this migration and stay on Airwallex.
| Domestic payment ($1K avg) | Airwallex today | Moov after cutover | Saving | Note |
|---|
| ACH payout (credit) | $1.00 | $0.25 | −75% | The workhorse rail |
| ACH debit (pull) | $2.00 (0.60%, capped) | $0.25 | −87.5% | And Airwallex BLOCKS embedded debits today: Moov unblocks the lending/collections use case entirely |
| ACH round trip (debit + payout) | $3.00 | $0.50 | −83% | Collect then disburse |
| Same-day ACH (round trip) | $3.00 (fast DD) | $0.80 | −73% | Moov windows: 10am / 2:15 / 4:15 ET |
| Instant (RTP) | not offered domestically | $5.00 (0.95%, capped) | new rail | Not in the merged strategy yet; on Moov's published card. Why client price = $5 flat. |
How much do we save?
Monthly savings model: domestic volume, Airwallex vs Moov
Drag to your expected volume. All math assumes a $1,000 average payment (simplifying assumption): Airwallex = payouts $1.00 + debits $2.00 (0.60% capped). Moov = $0.25/leg + $8/mo per onboarded business, floored at the $500/mo platform minimum. The $5K/mo Airwallex platform fee continues either way (it pays for FX/SWIFT/global) and is excluded from both bars. Anchors: company GTV ~$1.1M/mo (Mar); Sigma PH payroll expansion ~$600K/mo of payouts; April runs $250K+ of ACH debits.
$0
saved per month · $0/yr · 0% off domestic rail COGS
Beyond the COGS line: the debit unblock is worth more than the per-transaction savings. Airwallex blocks embedded ACH debits today (Trophy Point flagged Jun 24, ~3-week deadline), which gates the lending/collections product entirely. Moov's merged strategy does ACH debit + wallet hold-until-settle (NSF buffer), so the migration is a revenue enabler, not just a cost cut. Watch: Moov wallet balances are non-FDIC and earn nothing (movement only, never custody), ACH returns are priced ($5 / $15 unauthorized / $0.75 NOC), and the per-business fee stack (~$8/mo) scales with onboarding.
The stack after cutover
Who carries which rail
Moov
Domestic USD · cutover this week
- ACH payout (credit) $0.25
- ACH debit (pull) $0.25
- Same-day ACH (credit or debit) $0.40
- Wallet / ledger (hold-until-settle) $0.50/wallet/mo
- RTP / push-to-card (published, not yet built) 0.95% · $0.50–$5
- Platform minimum $500/mo
- Per-business stack ~$8/mo + KYB $4.50 + KYC $2.50
- Code status merged to main Jul 3 code
Airwallex
Global, FX, wires · stays
- Fedwire (domestic wire, in / out) $4.00
- SWIFT (international) ~$15
- International local rails (SEPA, FPS, etc.) $2–$3
- FX majors (by volume) 25 → 20 → 15 bps
- FX minors / exotics 30 / 60–180 bps
- Platform fee $5,000/mo live contract
- Domestic ACH (migrating away) $1.00 out · 0.60% cap $2 in
- Embedded ACH debits BLOCKED
Aeropay: struck from the record. The Apr 4 tracker listed Aeropay as the "Active Model" for domestic ACH at $0.25/leg. Code review (Jul 6) found zero integration: one enum string in the payment ledger model, no client, no services, no account model, no config. A signed agreement may exist, but no payment has ever moved through Aeropay. All "current cost" math now uses Airwallex actuals until Moov is live. Brale (TPUSD/stablecoin rail) is live in code but separate from the fiat payment path.
Full fee schedule
Every cost line, tagged by source
contract = signed MSA (legal review Feb 18 2026) · code = verified in the payments codebase · published = vendor's public rate card (fetched Jul 6 2026) · tracker = Apr 4 tracker figure, not yet verified against a contract or invoice. "TP charges" reflects the proposed v2 self-serve schedule (Free / Pro), pending Jeff's sign-off.
All
Moov
Airwallex
ACH
Instant
Wires
FX
Platform
| Partner | Fee line | Cost to TP | TP charges (v2) | Decision | Source | Notes |
|---|
Migration notes
Moov cutover: what to verify this week
Ready in code (merged)
- Provider registry routes builder / executor / canceller by institution provider; legacy institutions default to Airwallex
- ACH credit + debit strategies, wallet hold-until-settle (NSF buffer), Plaid processor tokens + micro-deposits
- Provider-aware fee schedules: PaymentQuoteCreator resolves the right schedule per provider; `ach` payment method already in the enum
- Onboarding: server-side embedded flow, creds + reconciliation PRs landed; follow-ups #2391/#2393/#2397 in flight
Verify before/at cutover
- Negotiated rates: the $0.25/$0.40 numbers are Moov's public card; confirm our actual fee plan in the Moov dashboard (plans are configured per-account)
- Return handling: $5 return / $15 unauthorized / $0.75 NOC: decide client pass-through
- Custody rule: wallet funds non-FDIC, zero interest: sweep out promptly, never hold client cash in Moov wallets
- FedNow: "coming soon" in docs (roadmap Q2 2026): don't promise instant rails yet
- Runway: last raise was a $4M convertible note (Oct 2025): ask directly
- First invoice check: verify per-rail Airwallex costs AND Moov billing against this dashboard, then upgrade the source tags