Open banking pricing is broken. Here's the fix.

Most providers still charge per API call. That model punishes success. The more transactions you process, the more you bleed margin. It's a tax on growth.

Token.io and TrueLayer are making noise with flat-fee and revenue-share alternatives. My post on this hit 2.5K views last month—here's why the shift matters.

3 reasons per-call pricing is dead:

1. It kills A2A payments adoption. Merchants need predictable costs. Variable pricing adds friction. Flat fees remove it.

2. It rewards inefficiency. More API calls = more revenue for the provider. That's misaligned. Revenue-share ties success to value delivered.

3. It blocks scale. High-volume users get hammered. Flat-fee or tiered models let them grow without penalty.

The fix is simple:

– Flat fee per user per month. Predictable. Scalable.
– Or revenue-share. Align incentives. Win together.

Plaid's recent moves hint at this shift. Token.io is already testing flat-rate bundles.

Question for you: If open banking went flat-fee tomorrow, would you switch providers?

#OpenBanking #A2APayments #Fintech #Pricing #TokenIO