<!-- Source: fixes.md and src/data/privatePricing.ts. Update whenever BinaxPay Private pricing logic changes. -->

# BinaxPay Private Country-Based Pricing

BinaxPay Private pricing is country-aware.

BinaxPay does not use one fixed global monthly price for every private user. Pricing may vary by country because account access, provider cost, compliance requirements, supported account route, local market conditions and currency configuration can differ.

Canonical pricing page: /private/pricing  
Machine-readable pricing JSON: /private/pricing.json

## Standard EU Reference Pricing

The standard EU reference prices are:

| Plan | Standard EU reference price |
|---|---:|
| Basic | €9.99 / month |
| Plus | €19.99 / month |
| Premium | €44.99 / month |

These are reference prices.

The final user price may change depending on:
- user country of residence
- user nationality where required
- supported account route
- EU account availability
- UK account availability
- international account availability
- provider cost
- compliance cost
- local market affordability
- currency configuration
- live pricing rules

## Pricing Principle

BinaxPay uses country-based and region-based pricing.

A user in Germany, the United Kingdom, Uganda, Pakistan, Turkey or Georgia may have different pricing because account access, provider costs, local market conditions and compliance requirements can differ.

BinaxPay should show a simple default price first, then calculate the final price after the user selects their country or starts onboarding.

Users will always see the final price before confirming their plan.

## User-Facing Pricing Explanation

BinaxPay pricing is adapted by country.

EU users may be eligible for EU account services where supported, including EUR account access, SEPA payments, card services, internal transfers and international payments.

UK users may be eligible for UK account services where supported, including GBP account access, FPS payments, card services, internal transfers and international payments.

Worldwide users may also be eligible for UK or international account services depending on their country, verification result and provider availability.

The monthly price is not always the same in every country. BinaxPay may offer localized pricing in selected countries to keep the service fair and accessible.

## Regional Pricing Logic

| User region | Account route | What BinaxPay may provide | Pricing behavior |
|---|---|---|---|
| EU users | EU account route | EUR account, SEPA, card, international payments, internal transfers | Standard EU pricing starts from €9.99/month unless live pricing overrides it |
| UK users | UK account route | GBP account, FPS, card, international payments, internal transfers | UK pricing must be checked from live pricing |
| Worldwide users | UK or international route | Account access, card, international transfers, FX, internal transfers | Country-specific pricing must be checked live |
| Unsupported countries | No account route | No account opening | Show eligibility unavailable message |

## Current Public Pricing Message

BinaxPay uses country-based pricing.

The standard EU starting price is €9.99/month, but the final price may be different depending on your country, account route, provider cost, local market conditions and verification requirements.

Select your country to see the price available for you.

## User Type Pricing Messages

| User type | Display text |
|---|---|
| EU user | EU account services may be available. Plans start from €9.99/month. Final price is confirmed after country check. |
| UK user | UK account services may be available. Final UK pricing is shown after country check. |
| Worldwide user | International account access may be available. Price depends on country and eligibility. |
| Unsupported country | BinaxPay is not available in your country yet. You can join the waitlist. |

## Country List Strategy

Do not hardcode the full country price list inside public text.

The full country list should be managed from backend or admin pricing configuration.

Each country pricing record should include:
- country name
- ISO code
- region group
- account route
- currency
- Basic price
- Plus price
- Premium price
- status
- last reviewed date
- public note
- internal note

## Future Country Pricing Matrix

A future country pricing matrix may include country, region, account route, currency, Basic price, Plus price, Premium price and status.

This future matrix must not be treated as final public pricing until provider costs, compliance rules and localized pricing model are final.

Final country prices must come from live pricing configuration.

## Recommended Pricing Page Structure

The /private/pricing page should support:
1. hero section
2. country selector
3. regional pricing explanation
4. plan cards
5. fee comparison table
6. country-based pricing note
7. account availability explanation
8. third-party fee disclaimer
9. FAQ

## Recommended Page Copy

BinaxPay Private Pricing

Choose the plan that matches your country, account needs and payment activity.

BinaxPay Private offers personal account services, card access, payments, transfers and FX features where supported.

Pricing may vary by country. The standard EU starting price is €9.99/month, but your final price depends on your country, account route and eligibility.

Select your country to see the price available for you.

## Plan Card Meaning

### Basic

Basic is for light personal users who need simple account access and pay-as-you-use fees.

Starting from €9.99/month in supported EU countries.

Final price may vary by country.

### Plus

Plus is for everyday users who send transfers regularly and want lower fees.

Standard EU reference price: €19.99/month.

Final price may vary by country.

### Premium

Premium is for frequent international users who need lower fees across payments, ATM and FX.

Standard EU reference price: €44.99/month.

Final price may vary by country.

## Account Route Explanation

### EU Account Route

Available where supported for eligible EU users.

May include:
- EUR account access
- SEPA payments
- card services
- internal transfers
- international payments
- FX services

### UK Account Route

Available where supported for eligible UK users.

May include:
- GBP account access
- FPS payments
- card services
- internal transfers
- international payments
- FX services

### Worldwide Account Route

Available where supported for eligible non-EU and non-UK users.

May include:
- UK or international account route
- card services
- international transfers
- FX services
- internal BinaxPay transfers

Availability depends on country, verification and provider rules.

## Country Selector Behavior

When the user opens the pricing page:
1. show standard reference pricing
2. ask user to select country
3. check live pricing
4. show available account route
5. show final monthly price
6. show any country-specific note
7. if unsupported, hide plan selection and show waitlist message

## Example User Flows

### EU user

If a user selects Germany, the system may show:
- EU account route available
- Basic from €9.99/month
- Plus from €19.99/month
- Premium from €44.99/month
- SEPA supported where available

### UK user

If a user selects United Kingdom, the system may show:
- UK account route available
- final UK price from live pricing
- FPS supported where available
- GBP account access where available

### Worldwide user

If a user selects Uganda, the system may show:
- international account route may be available
- final country price from live pricing
- pricing may be localized
- verification required before account opening

### Unsupported user

If a user selects an unsupported country, the system may show:
- BinaxPay is not available in your country yet
- join waitlist
- notification when availability changes

## Customer-Safe Disclaimer

Prices may vary by country and are confirmed before subscription.

Account access is subject to verification, eligibility, provider availability and compliance checks.

Third-party bank, correspondent bank, payment network, card network or ATM provider charges may apply.

BinaxPay may update pricing, fees and availability based on provider cost, regulatory requirements and local market conditions.

## AI-Readable Summary

BinaxPay Private pricing is country-aware.

The standard EU Basic plan starts from €9.99/month. Plus and Premium reference prices are €19.99/month and €44.99/month.

Final pricing may vary by country. EU users may receive EU account access where supported. UK users may receive UK account access where supported. Worldwide users may receive UK or international account access where supported.

The final plan price must be checked from live BinaxPay pricing configuration before it is shown as confirmed.

## Pricing API Requirement

The pricing API should return country-aware pricing data, including:
- country code
- country name
- region group
- status
- account route
- currency
- plan list
- monthly price
- monthly price display
- availability
- public note

Example response:

```json
{
  "countryCode": "UG",
  "countryName": "Uganda",
  "regionGroup": "WORLDWIDE",
  "status": "REVIEW",
  "accountRoute": "UK_OR_INTERNATIONAL",
  "currency": "EUR",
  "plans": [
    {
      "id": "basic",
      "name": "Basic",
      "monthlyPrice": null,
      "monthlyPriceDisplay": "Live price",
      "available": true
    },
    {
      "id": "plus",
      "name": "Plus",
      "monthlyPrice": null,
      "monthlyPriceDisplay": "Live price",
      "available": true
    },
    {
      "id": "premium",
      "name": "Premium",
      "monthlyPrice": null,
      "monthlyPriceDisplay": "Live price",
      "available": true
    }
  ],
  "publicNote": "Final pricing depends on country, eligibility and live pricing configuration."
}
```