Holdings

Name: Holdings — Agent-Ready Pricing Assessment
Brand: Holdings

Approaching Agent-Ready

Agent-Ready SaaS Index · getholdings.com · scored 2026-05-09 · rubric v2.0

Score 66 / 100

Digital Banking Platforms

Free tier

Self-serve checkout

Holdings scores 66/100 on xpay's Agent-Ready Index v2: partial pricing visibility; self-serve checkout is available; usage-based / per-token pricing is published; a free entry path exists.

See Holdings pricing summary Live pricing page

Pricing

Holdings pricing

As of 2026-05-09 · getholdings.com/pricing

Free

35+ free business tools

Free unlimited business checking

Physical & virtual debit cards

Free accounting software

No monthly fees

Pay As You Go

Contact sales

Card processing 3.0% + $0.30

ACH processing 1.0%

Receipt scanning $0.10 per extra scan

Contractor payments $2.99 or 1%

1099 e‑filing $3.99 per form

Pro

$19/mo

flat

All Free features

Processing at cost (≈2.2% + $0.30 card, 0.5% ACH)

Unlimited receipt scanning

Unlimited AI cash‑flow forecasts

Tax estimates (quarterly & annual)

Score breakdown · rubric v2.0

How Holdings scores on the agent-ready dimensions

Public pricing visibility

15 / 15

Self-serve checkout

15 / 15

Public API + docs

0 / 20

Usage-based / metered pricing

17 / 20

Free entry path

7 / 7

No sales call required

7 / 7

Card / wallet / x402 payment

5 / 6

Machine-readable bonus (MCP / OpenAPI)

0 / 10

Total

66 / 100

Effective pricing

What it actually costs at typical scale

1 user, 5 card payments of $100 each, 20 receipt scans

$17.5/mo

· Using Pay As You Go tier· Card processing fee 3% + $0.30 per transaction· First 10 receipt scans free, $0.10 per extra scan

Confidence: high

Agent purchase verdict

Can an autonomous agent transact here?

Agent-ready

LLM score: 75/100

Can create account

Yes

Can enter payment method

Yes

Can upgrade plan

Yes

Can buy more usage

Yes

Can cancel online

Yes

Payment methods

card

Human approval recommended

Pricing transparency

full

Purchase motion

self_serve

Demo required

Quote required

Annual commit required

Auto-renewal mentioned

Cancellation policy visible

Yes

Refund policy visible

Invoice payment available

Purchase orders supported

MSA required

DPA available

Security review required

Trial

30 days (no card)

Competitive intel

Positioning & ecosystem

Headline

“Use any tool. Pay only when you need more.”

Buyer persona

freelancer

nonprofit

small business

contractor

startup

agency

Integrations mentioned

QuickBooks

Value claims

Save $42/mo total with Pro

Agent purchase simulation

Six-step check: can an agent actually buy from Holdings?

✓

Discover price

◐

Select a plan

✗

Pay per task

✗

Avoid a sales call

✗

API docs without auth

✗

Estimate cost upfront

Analysis

Pros and cons for AI agents

Observational summary written by xpay from the signals captured on 2026-05-06. Not a review of the product — only of its current pricing posture for agent buyers.

✓ For an AI agent

Pricing is publicly visible on an indexable page — agents can read tiers without scraping past auth.

A free tier exists, lowering the bar for an agent builder to prototype before committing budget.

◐ Opportunities for the provider

No per-unit price was advertised, so an agent has no way to estimate the cost of a single task.

All advertised tiers route to a sales contact form; an agent cannot complete a purchase autonomously.

API documentation is gated or absent; an agent cannot inspect the integration surface without authentication.

PPU requires account creation and an issued API key; a fully unauthenticated agent purchase is not yet supported.

No /.well-known/ai-pricing.json or equivalent machine-readable pricing manifest is published — agents must rely on HTML scraping.

One-line fix

How Holdings could lift its score

Add a per-unit price (e.g. $X / 1K calls) to the pricing page so an agent can compute its own cost before committing.

pricing_visible	true
headline_phrasing	Use any tool. Pay only when you need more. — 35+ free business tools. No account required, no hidden fees. Need payment processing or premium features? Pay as you go. Want everything connected to your books? Go Pro.
tier_count	0
lowest_paid_entry_usd	0
free_tier	true
free_tier_terms	null
per_unit_price	null
annual_required	true
self_serve_paid_tiers	1
sales_only_tiers	0
public_api_docs_url	null
api_docs_auth_walled	null
ai_pricing_json_present	false
agents_txt_present	false
anonymous_purchase_path	false
per_unit_classification	null
usage_headline_present	true
custom_tier_present	true
agent_friendly	{"ai_pricing_json":false,"agents_txt":false,"llms_txt":true,"sitemap_xml":true,"mcp_server_card":false,"agent_skills_index":false,"x402_supported":false}

View raw extracted page text →

Page heading: Use any tool. Pay only when you need more.

CTAs (40): Skip to main content · Holdings · Platform · Solutions · Tools · Pricing · Resources · Sign in · Try It Free · Home · For-Profit · Nonprofit

Price tokens (50): $3 · $0/mo foreverNo account · $3 · $0/mo · $0.30 · $0.10/scanContractor paymen · $2.99 · $3.99/formBill payments · $0.49/billBusiness valuatio · $4.99 · $19/moOr free with · $10

Skip to main content HoldingsPlatformSolutionsToolsPricingResourcesSign inTry It Free HomePricingFor-ProfitNonprofitUse any tool. Pay only when you need more.35+ free business tools. No account required, no hidden fees. Need payment processing or premium features? Pay as you go. Want everything connected to your books? Go Pro.Get StartedTalk to Our TeamEverything you need to run your business-no monthly feeBankingFreeUnlimited business checking accountsNo monthly fees or minimums^1.75% APY on all balances†Domestic ACH and wire transfersFDIC insured up to $3M*Learn more about bankingCardsFreePhysical and virtual debit cardsPer-card spend controls and limitsReal-time transaction notifications55,000+ fee-free ATMs^Lock/unlock instantlyLearn more about cardsAccounting SoftwareFreeTransaction workspace for all accountsBulk categorization toolsP&L, balance sheet, cash flow reportsCash and accrual basis supportConnect external bank accountsLearn more about accounting softwareGet StartedThree ways to use HoldingsStart free with any tool. Pay per use when you need power features. Go Pro and connect everything to your books.Free — foreverFree$0/mo foreverNo account needed35+ business tools — see all tools →Professional PDF exportsUnlimited use, no watermarksFree banking + accounting (with account)1.75% APY on all balancesFDIC insured up to $3MPhysical + virtual debit cards55,000+ fee-free ATMs10 receipt scans/moBasic cash flow snapshotBest for: Anyone who needs a quick tool right nowSt…

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Agent-Ready Spec

Holdings

Approaching Agent-Ready

66

/ 100 (rubric v2.0)

Discovery files and protocols

Side-channel signals — informational, not part of the score. Each protocol is independent; adoption signals the publisher is thinking about agent buyers.

ai-pricing.json

agents.txt

llms.txt

sitemap.xml

MCP Server Card

Agent Skills

x402 / MPP

Compare Holdings with peers

Highest-scoring companies in the same category that an AI agent might evaluate as an alternative.

Holdings

Holdings pricing

Free

Free

Pay As You Go

Contact sales

Pro

$19/mo

How Holdings scores on the agent-ready dimensions

Total

66 / 100

What it actually costs at typical scale

1 user, 5 card payments of $100 each, 20 receipt scans

$17.5/mo

Can an autonomous agent transact here?

Buyer fitProcurement & commercial terms

Procurement & commercial terms

Positioning & ecosystem

Six-step check: can an agent actually buy from Holdings?

Pros and cons for AI agents

How Holdings could lift its score

Source signals (raw evidence used by the rubric)

Source signals (raw evidence used by the rubric)

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Holdings

66

Discovery files and protocols

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Holdings

Holdings pricing

Free

Free

Pay As You Go

Contact sales

Pro

$19/mo

How Holdings scores on the agent-ready dimensions

Total

66 / 100

What it actually costs at typical scale

1 user, 5 card payments of $100 each, 20 receipt scans

$17.5/mo

Can an autonomous agent transact here?

Buyer fitProcurement & commercial terms

Procurement & commercial terms

Positioning & ecosystem

Six-step check: can an agent actually buy from Holdings?

Pros and cons for AI agents

How Holdings could lift its score

Source signals (raw evidence used by the rubric)

Source signals (raw evidence used by the rubric)

Claim this scorecard & lift your score.

Compare the agent-ready picks in Digital Banking Platforms.

Holdings

66

Discovery files and protocols

Compare Holdings with peers

Narvi Payments

30

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