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  7. Incard

Incard logo

Incard

Partially Agent-Ready
Agent-Ready SaaS Index · incard.co · scored 2026-05-09 · rubric v2.0
Score 49 / 100
E Commerce Tools
Free tier

Incard scores 49/100 on xpay's Agent-Ready Index v2: partial pricing visibility; self-serve checkout is available; a free entry path exists.

See Incard pricing summaryLive pricing page
Pricing
Incard pricing
As of 2026-05-09 · www.incard.co/pricing
Free
Free
Earn cashback
5 users with add‑ons available
Grow
$49/mo
or $49/mo billed annually
1.25% cashback on debit cards
10 users with add‑ons available
25 cards with unlimited add‑ons
Incard Plus
$199/mo
or $169/mo billed annually
Custom cashback
Capital and control
From £25,000 FX at interbank rate
Dedicated relationship manager
Score breakdown · rubric v2.0
How Incard 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

0 / 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
49 / 100
Effective pricing
What it actually costs at typical scale
Free plan, up to 5 users
$0/mo
· No paid add‑ons used
Confidence: high
Grow plan, 10 users
$49/mo
· Monthly billing
Confidence: high
Incard Plus, 20 users
$199/mo
· Annual billing discounted to $169/mo but monthly price shown $199
Confidence: medium
Agent purchase verdict
Can an autonomous agent transact here?
Agent-ready
LLM score: 60/100

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

No

Pricing transparency

full

Purchase motion

self_serve

Demo required

No

Quote required

No

Annual commit required

Unknown

Auto-renewal mentioned

No

Cancellation policy visible

No

Refund policy visible

No

Invoice payment available

Unknown

Purchase orders supported

Unknown

MSA required

Unknown

DPA available

Unknown

Security review required

Unknown

Trial

Available, no card

Annual discount

15% off

Competitive intel
Positioning & ecosystem
Headline

“Everything you need to spend less”

Buyer persona

smb
mid market
enterprise

Integrations mentioned
Shopify
Amazon
Xero
QuickBooks
Value claims
Save time and money
Higher cashback
Agent purchase simulation
Six-step check: can an agent actually buy from Incard?
◐

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
  • 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.
  • No /.well-known/ai-pricing.json or equivalent machine-readable pricing manifest is published — agents must rely on HTML scraping.
One-line fix
How Incard 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

Everything you needto spend less — No matter where you are in your growth or the world, Incard is designed to save you time and money.

tier_count

1

lowest_paid_entry_usd

null

free_tier

true

free_tier_terms

null

per_unit_price

null

annual_required

false

self_serve_paid_tiers

0

sales_only_tiers

1

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

false

custom_tier_present

false

agent_friendly

{"ai_pricing_json":false,"agents_txt":false,"llms_txt":false,"sitemap_xml":true,"mcp_server_card":false,"agent_skills_index":false,"x402_supported":false}

View raw extracted page text →
Page heading: Everything you needto spend less
CTAs (40): Products · Solutions · Company · Partners · Pricing · Login · Try Incard · Start for free · Get 1 month free · Contact sales · Get started · Business Banking
Price tokens (2): $10 · $10
ProductsSolutionsCompanyPartnersPricingLoginTry IncardEverything you needto spend lessNo matter where you are in your growth or the world, Incard is designed to save you time and money.MonthlyYearlySave 15%FreeStart simple.Earn cashback.£0/monthBilled once yearlyStart for freeWhat’s included:5 users with add-ons available1.0% cashback on debit cards3 multi-currency IBANs with add-ons available10 cards with unlimited add-ons£5,000 FX at interbank rateApp Store add-ons availableGrowMost popularSmarter finances.Bigger rewards.£49/monthBilled once yearlyGet 1 month freeMore of everything, plus:10 users with add-ons available1.25% cashback on debit cards5 multi-currency IBANs with add-ons available25 cards with unlimited add-ons£15,000 FX at interbank rateIncard-built apps includedAPI & automation accessIncard PlusCustom cashback.Capital and control.from£199/monthBilled once yearlyContact salesMaximum limits, plus:From 20 users with add-ons availableFrom 1.5% cashback on debit cardsFrom 20 multi-currency IBANs with add-ons availableFrom 50 cards with unlimited add-onsFrom £25,000 FX at interbank ratePro-level financial reportsDedicated relationship managerTrusted by 1,500+ digital-first businessesCompare plansFree£0/monthStart simple.Earn cashback.Get startedGrow£49/monthSmarter finances.Bigger rewards.Get startedIncard Plusfrom£199/monthCustom cashback.Capital and control.Get startedBusiness BankingIBAN accountsYou can hold funds in GBP, EUR, USD35CustomExtra IBAN account£12/mont…
You work at Incard?
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Get the breakdown of every signal we measured, the one-line fix, and how your peers in E Commerce Tools stack up.

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Are you Incard? Something off in this listing?
Agent-Ready Spec
Incard
Partially Agent-Ready

49

/ 100 (rubric v2.0)
Category

E Commerce Tools

Pricing model

Not advertised

Tier count

1

Free tier

Yes

Lowest paid entry

Sales-led

Self-serve / sales-only tiers

0 / 1

Public API docs

Auth-walled

Anonymous purchase path

No

Machine-readable pricing

Not published

Last refreshed

2026-05-09

Pricing intelligenceInsights extracted from www.incard.co/pricing
Pricing model

Tier-based subscription

Agent-purchase verdict
Agent-ready
60/100 · v2.1
Canonical answer

Incard pricing starts at $0/mo for the Free plan; paid plans up to $199/mo. Billed monthly or annually.

Cheapest entry

Free plan (Free)

Actions
Open live pricing page
Verdict reflects Partially Agent-Ready status under rubric v2.0. Source observed at https://www.incard.co/pricing.
Agent-friendly features1 of 7 present
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

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CompanyAgentically Inc. (d/b/a xpay✦)1875 Mission St, Ste 103San Francisco, CA 94103, United Stateslegal@xpay.sh · privacy@xpay.sh
or ask your AI app
Company
About xpayAgency PartnersGitHubDiscordllms.txt
DevelopersDocumentationAPI ReferenceSDKs & LibrariesQuickstart GuideOpenAPI Spec
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