Pricing

Flat spread. No hidden IOF legs.

Volume-based FX spread on the single conversion event. No per-contractor fees. No surprise IOF charges on the outbound wire. Use the calculator below to see exactly what you'd pay — and save — each month.

0.25%
Volume spread over mid-rate
0.76%
Traditional 2-leg IOF cost
Tiers

Two tiers. No free tier.

BackChannel is a treasury operations product, not a consumer app or remittance service for individuals. Minimum monthly payroll R$30,000 BRL. Pricing is spread-based — your cost is a percentage of BRL sent, not a per-contractor fee.

Volume
0.25%
FX spread over mid-rate · Minimum R$30K/month payroll
  • Unlimited contractors per run
  • Pix inbound + ACH outbound
  • REST API access
  • 11:00 BRT settlement SLA
  • Up to 5 company users
  • Standard webhook events
  • Audit-ready confirmation emails
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High Volume
Enterprise
Custom
Typically 0.15–0.20% for R$500K+/month
  • Everything in Volume
  • Dedicated treasury ops contact
  • Guaranteed 11:00 BRT SLA
  • CNPJ batch upload
  • Custom webhook configuration
  • Quarterly rate review
  • Priority onboarding
Contact for Quote
Calculator

Run the numbers on your payroll volume

Enter your monthly BRL payroll total. The calculator shows BackChannel's 0.25% spread against the 0.76% traditional two-leg IOF cost — and the annual BRL delta.

Monthly payroll (BRL) e.g. 200000
R$
FAQ

Pricing questions

The spread is a percentage added to the mid-market BRL/USD rate at the time of FX conversion. For Volume clients: 0.25% over mid. For Enterprise: typically 0.15–0.20% depending on monthly volume. The rate applied is confirmed in the payroll confirmation email for each run.
R$30,000 per month for Volume tier access. Below this threshold, operational overhead makes the single-leg corridor uneconomic for both parties. If your payroll is below this, we're happy to discuss your use case at [email protected].
No. BackChannel's pricing model is spread-based on the total BRL amount — not per-contractor. This means your cost scales with payroll volume, not headcount. Adding a 10th contractor costs the same as adding a 2nd.
Enterprise pricing is negotiated based on monthly volume commitment and operational requirements. Typical range for R$500K+/month clients is 0.15–0.20% spread. Contact us at [email protected] with your monthly volume estimate and we'll respond within 1 business day.
CNPJ verification, KYB (Know Your Business) documentation, US contractor ACH routing setup, and a test payroll run. Standard onboarding takes 2–3 business days. Enterprise onboarding includes a dedicated ops call and custom configuration.

Your first payroll run. 0.25% spread. No setup fee. Onboarding in 2–3 business days.

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