Pricing

Credicorp developer pricing has three components, and which ones apply depends on how you use the platform. Most teams start in the sandbox (free), move to integration pricing when they go live, and — if they introduce borrowers rather than simply servicing their own — layer on partner revenue-share. Everything below is billed in GBP, exclusive of VAT, and invoiced monthly in arrears against your organisation’s account.

The three components

Sandbox — free, unlimited

Every organisation gets a sandbox environment the moment access is approved. It mirrors production endpoint-for-endpoint, returns deterministic decisions from seeded test companies, and simulates the full payment-initiation lifecycle without touching a real bank. You can drive thousands of applications through it a day at no charge — it’s how you build, run CI, and certify your integration.

# Sandbox host. Test keys (sk_test_…) never touch real money.
curl https://hub.credicorp.co.uk/sandbox/v1/applications \
  -H "Authorization: Bearer sk_test_8Qd2…" \
  -H "Content-Type: application/json" \
  -d '{
    "company_number": "12345678",
    "amount_pence": 2500000,
    "term_months": 24,
    "purpose": "working_capital"
  }'

use Credicorp\Client;

$cc = new Client(env('CREDICORP_TEST_KEY'), ['env' => 'sandbox']);

$app = $cc->applications->create([
  'company_number' => '12345678',
  'amount_pence'   => 2500000,
  'term_months'    => 24,
  'purpose'        => 'working_capital',
]);

echo $app->id;  // app_3f7a… — no charge in sandbox

import Credicorp from '@credicorp/sdk';

const cc = new Credicorp(process.env.CREDICORP_TEST_KEY, { env: 'sandbox' });

const app = await cc.applications.create({
  company_number: '12345678',
  amount_pence:   2500000,
  term_months:    24,
  purpose:        'working_capital',
});

console.log(app.id); // app_3f7a… — sandbox originations are never billed

Integration pricing — per funded origination

When you flip to live keys (sk_live_…) and the platform funds a loan, that single origination is the billable unit. The fee is tiered on your trailing-30-day funded volume — the more you originate, the lower the marginal fee. Tiers are evaluated per calendar month and applied retroactively across the whole month once a threshold is crossed.

What counts as a funded origination

An origination is billable when the loan’s lifecycle reaches the funded state and a loan.funded webhook is emitted — i.e. the agreement is signed, the decision is accepted, and disbursement has cleared the PISP rail into the borrower’s account. Top-ups and drawdowns that create a new agreement are charged as separate originations; further advances under a committed revolving facility are not.

Partner revenue-share

If you introduce borrowers — an accountant embedding finance, a marketplace surfacing offers, a software platform monetising its base — you can earn rather than pay. Under the partner programme, Credicorp pays you a share of the net lending margin (interest and fees earned, less cost of funds, expected credit loss, and servicing) on every loan you originate. Revenue-share and the per-origination integration fee are mutually exclusive on a given loan: an introduced, revenue-share loan is not also charged an integration fee.

Attribution is recorded at application time via the partner_ref field (or the partner OAuth client that created the application) and frozen onto the loan. You can reconcile every accrual programmatically — the Accounts API exposes a revenue_share ledger per loan, and a monthly statement object summarises what will be paid.

// GET /v1/partners/me/statements/2026-05  →  200 OK
{
  "object": "partner_statement",
  "period": "2026-05",
  "currency": "gbp",
  "tier": "embedded",
  "funded_originations": 41,
  "funded_volume_pence": 98750000,
  "net_margin_pence": 2143000,
  "share_rate": 0.18,
  "payable_pence": 385740,
  "status": "scheduled",
  "pay_date": "2026-06-14"
}

How live pricing works

Here’s the end-to-end mechanics for an integration-priced account, from API call to invoice line. Each step maps to an object you can query, so billing is never a black box.

A worked example. In a month where your trailing-30-day volume sits in the £500k–£2m band, you fund 34 loans totalling £920,000. Thirty-four funded originations at the £32 tier fee gives £1,088, issued as a single invoice line on the second working day of the following month. The 11 applications you also submitted that were declined or expired add nothing. If, mid-month, your trailing volume had instead crossed £2m, every funded origination in the month — not just those after the crossing — would re-rate to the £24 tier, and the draft invoice would reflect that automatically at month-close.

Common questions

currency

All fees and revenue-share are GBP, exclusive of VAT. VAT is applied on invoices where chargeable.

billing_cycle

Monthly in arrears. Draft on the last day of the month; finalised and charged on the 2nd working day of the next month.

minimums

None. No monthly minimum, no platform subscription, no seat fees. Zero funded loans means a zero invoice.

sandbox_cost

Always free, including unlimited applications, simulated decisioning, and webhook delivery.

refunds

If a loan is reversed because of a platform error within 24h of funding, the origination fee is credited on the next invoice.

price_changes

Tier fees are fixed for the term of your partner agreement; any change is given with 60 days’ written notice.