Guide to Crezco Pricing in 2025: Costs, Features & Alternative

Note: The information in this blog is based on publicly available details as of April 2025.

For businesses looking to cut payment processing costs, account-to-account (A2A) options like Crezco are gaining serious attention. Unlike card payments, which often involve 1–3% fees and settlement delays, open banking providers like Crezco offer direct bank payments with lower costs and faster cash flow.

But how does Crezco pricing actually work? And is it as affordable and scalable as it sounds?

We will guide you through:

What Does Crezco Offer?

Crezco is a UK-based open banking platform that enables businesses to collect payments directly from customer bank accounts. It was designed to eliminate manual reconciliation, speed up settlements, and reduce processing fees for B2B payments, ecommerce, and finance operations.

Here are Crezco’s core features:

1. Pay by Bank (A2A Payments)

Crezco enables customers to make payments directly through their banking app. There’s no need for cards or third-party payment gateways. Customers simply approve a payment, and funds arrive instantly into the business account.

2. Real-Time Payment Notifications

Once a payment is completed, both the business and customer receive confirmation, which helps streamline accounting and reconciliation.

3. Integration with Invoicing Tools

Crezco integrates with platforms like Xero, QuickBooks, and other accounting software. This makes it especially useful for SMEs and finance teams managing invoice-based workflows.

4. FX & Cross-Border Payments

While its core is UK A2A payments, Crezco also supports international payments and FX services for businesses operating globally.

5. Open Banking Security

Crezco is regulated in the UK and leverages open banking standards with full customer authentication via their bank. There’s no sensitive data shared or stored.

Crezco Pricing in 2025

Crezco offers a transparent pricing model tailored to various business needs, from startups to larger enterprises. Here’s a breakdown of their current pricing tiers and associated features:

1. Free Plan – £0/month

• Domestic Payments: Free account-to-account payments within the UK
• Integrations: Works with platforms like Xero and QuickBooks
• Users: Up to 2 users per account
• Payment Links: Create and share payment links for easy transactions
• International Payments: Available with a fee starting from 0.3% per transaction

2. Collect Plus – £10/month

Includes all features from the Free Plan, plus:

• Branded Checkout: Customize your payment pages with your brand’s logo and colours
• Recurring Payments: Set up and manage recurring payment schedules
• Multiple Bank Accounts: Link and manage multiple bank accounts
• Unlimited Users: Add as many users as needed
• International Payments: Available with a fee starting from 0.3% per transaction

3. Send Plus – £20/month

Includes all features from Collect Plus, plus:

• Bulk Payments: Send up to 250 bulk payments per month
• Scheduled Payments: Schedule payments in advance
• International Payments: Available with a fee starting from 0.3% per transaction

4. Premium – £27/month

Includes all features from Send Plus, plus:

• Enhanced Bulk Payments: Send up to 500 bulk payments per month
• Priority Support: Access to dedicated customer support
• International Payments: Available with a fee starting from 0.3% per transaction

Note on International Payments:

• Fees: A commission starting from 0.3% of the transaction amount
• Payment Methods: Utilizes local payment rails or SWIFT, depending on the destination
• Additional Costs: SWIFT payments may incur a fixed fee of £6 per transaction, plus any correspondent bank charges
• Currencies Supported: Payments can be made in 37 currencies across 180 countries

Additional Costs to Consider with Crezco

Crezco’s free plan for UK bank payments can be a good starting point, but there are a few important extras that can impact your total cost — especially as your payment needs grow.

Below are the key additional charges you should be aware of:

1. Cross-Border and FX Payment Fees

If your business deals with international suppliers or receives non-GBP payments, you’ll likely need to upgrade to a paid plan. Here’s what those costs look like:

• Currency conversion margin: Starts from 0.3% above the mid-market rate
• SWIFT transaction fee: Fixed £6 per transaction, when using international payment rails
• Correspondent bank charges: May apply depending on the receiving bank’s policy

These costs can add up if you’re sending frequent international payments, especially in small amounts.

2. Bulk Payment Limits

Crezco’s paid plans include access to bulk and scheduled payments, but these come with monthly caps:

Plan	Bulk Payment Limit
Send Plus	Up to 250/month
Premium	Up to 500/month

If your business needs to exceed these limits, you may need to request a custom solution or wait until the next billing cycle.

3. User Limits on Free Tier

The free plan only allows two users per account, which may be restrictive if multiple team members need access to payment dashboards, reporting, or customer records. To add more users, you’ll need to move to a paid plan (starting at £10/month).

4. Platform Scalability

Features like:

• Branded payment links
• Multiple connected bank accounts
• Recurring payment setup
• Invoice automation for more than one system

are locked behind paid tiers. This means growing businesses may face higher monthly fees over time to maintain the tools they need.

Finexer: A UK-Based Alternative

Crezco offers a low-barrier entry into account-to-account (A2A) payments, especially for UK-based businesses. But as your operations grow, added costs for bulk payouts, branded experiences, or cross-border features can impact your margins. If you’re seeking more flexibility in pricing and setup, Finexer is designed to give you exactly that.

Finexer is a UK-based open banking infrastructure provider offering both account information (AIS) and payment initiation (PIS) services. It is FCA-authorised, covers 99 percent of UK banks, and is built to help startups and high-growth businesses scale payments and data access, without fixed platform fees or hidden costs.

Where Finexer Stands Out for Startups and UK SMEs

Feature/Capability	Finexer Offering
UK Bank Coverage	99% of UK banks
Setup Fees	Free for startups
Go-Live Costs	£0 during sandbox/testing phase
Core Products	AIS (data access), PIS (A2A payments, payouts, bulk payments)
API Calls	Unlimited across plans
Support	Dedicated integration manager, 24/7 post-go-live support
FCA Compliance	Full licensing and optional FCA agent status support
Branding/White-Label	Available as optional setup (custom URLs, domains, bank display)

Finexer Use Case Fit: Who It’s Best For

Startup/SME Profile	Why Finexer Fits
Early-stage fintechs	Start building with no upfront costs, unlimited sandbox access, and direct support
SMEs needing A2A payments	Access instant bank transfers and bulk payouts without needing card infrastructure
Accounting platforms	Integrate AIS for bank feeds, categorisation, and statement enrichment
Payroll & HR software	Automate salary payouts securely using built-in PIS APIs
B2B SaaS platforms	Offer embedded financial services using white-labelled modules