Create your company, add products, build your website and look around without paying anything or adding a card. No subscription, no seats. A card is required once you start incurring usage, such as AI tokens, apps, or transactions.
Your plan, your rollover, and any credits you add live in one place and cover every product: orders, Mist AI, apps and hosting, media, and Fluid Studios.
Predictable spend
See exactly where you're pacing each month, product by product. Set a monthly ceiling on anything optional, so finance never gets a surprise.
Stay topped up
Turn on auto-reload and we'll add credits before you run low. A spend limit never pauses checkout or your storefront.
Committed use
Commit more. Get up to 30% back.
Commit to a monthly load on a 12-month term and earn bonus usage on top: 1% for every $1,000 a month, up to 30% at $30,000. Commit $10,000 a month and $11,000 lands in your balance.
+5%$5K
+10%$10K
+15%$15K
+20%$20K
+25%$25K
+30%$30K+
Pricing
Simple pricing. Pay for what you use.
No per-seat or per-rep licensing. Pick the products you need and they all draw from one balance. These are standard rates, and committed use, bundling and volume pricing only take them down from here.
Effective November 1, 2026
E-commerce
We-Commerce
0.9% + $0.25
Per transaction
Calculated on order value at time of capture. Volume pricing kicks in above $5M per month.
Fluid experts and AI, live: tickets picked up and finished in minutes
Inside your own tenant: the work ships in your instance and you keep it
Billed by the minute: the clock stops when the session does
No retainer, no SOW: in and out as efficiently as possible
AI Triage: a clear action plan for every request
Add-ons
Forward Deployed Engineer$3,900 / day
A Fluid engineer on site with your team. No minimum. Travel at cost; longer commitments discounted.
Blitz Week$49K / week
Your team joins us to design your website and marketing, ready to launch by week’s end.
Travel and lodging billed at cost with receipts, never marked up.
Better together
We-Commerce + Reserve
1.6% + $0.45
Per transaction, combined
Run commerce and payments on Fluid and 10% comes off both fees, taking the combined rate from 1.8% + $0.50 down to 1.6% + $0.45. Applied automatically, no negotiation required. With committed use at the full 30%, each dollar in your balance covers $1.30 of usage, so that combined rate works out to about 1.25% + $0.35.
Volume pricing
Above $5M per month, pricing tiers down further with a commercial agreement, in addition to your committed use bonus.
AI tokens at cost
On a committed use plan, AI tokens are billed at cost, on top of your bonus usage.
Getting started
Migration and onboarding are scoped per engagement. Talk to your Fluid contact to size the work.
Standard published pricing in USD, subject to a signed order form and Fluid's Master Services Agreement. Interchange and card network assessments are set by the card networks and pass through at cost; Fluid receives no rebates or incentives from payment partners. Mist unit rates are quoted per deployment.
The full bundle
Ten line items. One bundle.
A traditional commerce stack bills for each piece separately, and a homebuilt one makes each piece an integration you maintain. Fluid prices the whole platform as one rate.
What a traditional commerce stack bills for, compared with what Fluid includes
On a traditional stack
What it typically costs
With Fluid
A subscription app
1.25% to 1.9% of subscription revenue, on top of your platform
Subscriptions are a We-Commerce module, with no separate app to bill you.
Currency conversion
1.5% in FX fees
No FX line item on your Fluid bill.
A store for each currency
$2K to $5K a month in SaaS fees for every store you open
Open a Country costs $0. One store serves every market and currency.
Fraud management
0.6% per order
Advanced Fraud is pre-installed with Reserve.
Address autocomplete and verification
$0.03 per address at Smarty's retail rates for international autocomplete and verification
Address Validation with international autocomplete is a We-Commerce module.
Bringing your own payment processor
1% platform fee on every order
Bring a processor from the pre-configured list at the same We-Commerce rate. New integrations require Reserve.
Approval-rate and retry tooling
Separate add-ons for network tokens, retries and save flows
Network Tokens and Subscription Pro come with Reserve.
Enterprise security
Enterprise-tier upgrades for SOC 2, SSO and PCI-DSS
SOC 2, SSO and PCI-DSS are included.
Seats and per-tool licenses
A fee for each seat and each connected app
No per-seat or per-rep licensing.
Agencies to run it all
Billed by the week or the month, so the clock favors the agency
Cowork bills by the minute of active session time at $4.99. The clock stops when the work does.
Traditional stack
3.35% to 4.0%
In percentage fees alone on an international subscription order: the subscription app, FX and fraud lines added together. Store fees, address tools, security upgrades and agency hours come on top.
Fluid bundle
1.6% + $0.45
We-Commerce and Reserve together, with the 10% bundle discount. At the full 30% committed use bonus it works out to about 1.25% + $0.35.
Third-party figures are typical ranges and vary by provider and contract. The address rate is Smarty's published retail pricing as of November 2026, rounded up to $0.03 per address. Percentages exclude payment processor fees on both sides. Fluid rates are effective November 1, 2026.
Commit to $5,000 a month or more, in whole $1,000 steps, on a 12-month term. We load it into your balance on the 1st, bonus usage included.
02
Use it everywhere
One balance covers orders, Mist AI, apps and hosting, media, and Fluid Studios. Watch your pace by product, live.
03
Keep what you don't use
Credits don't expire. Unused balance carries over every month, and nothing resets on the 1st.
04
Cover busy months
Buy credits anytime, or set auto-reload at $5,000 or more to earn up to 15% bonus on each reload. One-time top-ups carry no bonus.
You're in control
Limits for finance. Freedom for everyone else.
Cap optional products like Mist AI or Fluid Studios with a monthly ceiling. If a limit is reached, that product pauses. A limit never pauses checkout or your storefront.
Auto-reloadAdd credits when you're running low
On
Spend limits
$30,000Mist AI$480 used this month
$1,000Fluid Studios$0 used this month
Checkout and storefrontNot paused by limits
Good questions.
Do we have to pay to start?
No. You can sign up, create your company, add products, build your website and look around without paying anything or adding a card. When you start incurring usage, such as AI tokens, apps, or transactions, a card is required. A commitment is optional: it buys usage ahead with a bonus on top.
What's the difference between my commitment and credits?
Your commitment is the monthly amount we load into your balance on the 1st, with bonus usage on top. Need more? Buy extra credits anytime, or turn on auto-reload at $5,000 or more to earn up to 15% on each reload. One-time top-ups carry no bonus.
How does committed use work?
You commit to $5,000 a month or more, in $1,000 steps, on a 12-month term. We load it into your balance on the 1st and add 1% bonus usage for every $1,000 a month, up to 30% at $30,000. Commit $10,000 a month and $11,000 lands in your balance.
Which earns more, committed use or auto-reload?
Committed use. It earns up to 30%, while auto-reload at $5,000 or more earns up to 15% on each reload. One-time top-ups carry no bonus.
What does "AI tokens at cost" mean?
On a committed use plan, we bill AI tokens at what Fluid pays for them. Your committed use bonus applies on top.
Does the bundle discount apply automatically?
Yes. Run commerce and payments on Fluid and 10% comes off both fees, taking the combined rate from 1.8% + $0.50 down to 1.6% + $0.45. No negotiation required.
How does volume pricing work?
Above $5M a month, pricing tiers down further with a commercial agreement. It comes in addition to your committed use bonus.
What happens to usage I don't use?
It rolls over, month after month. Credits don't expire. Balance isn't refundable.
Will my store ever stop working?
Only if your balance runs out. A spend limit never pauses checkout or your storefront. If your balance stays at or below $0, Mist, uploads, new Mist apps and new Cowork sessions stop, and your storefront shuts off after 30 days. Auto-reload keeps your balance topped up.
How can we pay?
We accept card and ACH. Your default method pays your commitment and any auto-reload.
Do you invoice us?
Yes. Invoices itemize all of your usage, so your finance team can track every cent.
Can we bring our own payment processor?
Yes, from our pre-configured list, at the same We-Commerce rate. Other e-commerce platforms typically add a 1% fee on every order when you use an outside processor. New integrations require Reserve.
Do your rates include payment processor fees?
No. Fluid's rates are separate from your processor's fees. Reserve opens multiple processor accounts for you, so you can load balance across the lowest-cost and highest-performing ones.
Do we pay extra to sell in other countries or currencies?
No. Open a Country costs $0, and one store serves every market and currency.
Do you charge per seat or per rep?
No. There's no per-seat or per-rep licensing. The products you pick all draw from one balance.
What happens when I reach a spend limit?
That product pauses. Checkout and your storefront don't.
Can we change our commitment later?
Upgrades take the higher bonus rate immediately and restart a full 12-month term. Downgrades aren't available mid-term, and a term can't be cancelled. Unused balance isn't refundable. We confirm all of this with you before you sign.
Start building free.
Set up your company, products and website today without paying anything. When you're selling, bring us your numbers and we'll size a plan and map your bonus.
