Tool profile
Spreedly: cost, fit and limits
Spreedly is a payments orchestration and vault platform made by Spreedly, Inc. that connects merchants to gateways, wallets and fraud providers through one integration and keeps stored card credentials portable between providers. It is sold in two plans, one for the vault and one for routing.
What to know first
Spreedly sells two plans. Independent Vault starts at $750 per month and covers a PCI-1 compliant vault with unlimited storage, and Performance Optimization is quote only and adds routing logic, network tokenization, account updater, smart retries, 3DS, fraud prevention and an agentic commerce kit. No free plan or trial is stated. The product page names no AI model; its nearest AI-related offer is selling inside ChatGPT, Gemini and other agentic platforms.
Spreedly at a glance
| Maker | Spreedly, Inc., Not stated on the vendor pages |
|---|---|
| Free plan | No |
| Entry price | Starting at $750 per month |
| API access | No |
| Category | Best AI Payment Orchestration Platforms in 2026, rank 3 of 12 |
| Website | spreedly.com/ |
Who Spreedly is best for
Merchants worried about processor lock-in
The Independent Vault keeps credentials with the merchant, so payment methods can move between providers, and the plan has a printed monthly starting price.
Retailers preparing for agentic checkout
The agentic offer covers selling inside ChatGPT, Gemini and other agentic platforms, using OpenAI, Google, Visa and Mastercard standards, under the quote-only plan.
Teams that want to add fraud and 3DS vendors
Protect screens transactions with fraud, identity and 3DS providers and applies friction only where a transaction warrants it, and Composer builds those rules visually.
Spreedly plans and pricing
| Plan | Price | What it includes |
|---|---|---|
| Independent Vault | Starting at $750 per month | PCI-1 compliant vault with unlimited storage, insights into vault health, protection against vendor lock-in and easy setup. |
| Performance Optimization | Contact Sales | Custom routing logic and performance insights across gateways and regions, network tokenization, account updater, smart retries, PSP-agnostic routing, 3DS, fraud prevention, chargeback reduction and the agentic commerce kit. |
Checked November 2026.
What Spreedly does
- Connect
- One integration reaches any gateway, provider or processor. The page cites 150-plus gateway connections, which are platform breadth figures rather than plan caps. These are platform breadth figures from the product page, not plan caps, so confirm that the specific gateways you use are enabled on your plan.
- Vault
- Keeps stored credentials current so payment methods can move between providers, which is the core of the entry plan. This is the core of the entry plan, and the page lists vault health insights and protection against vendor lock-in beside unlimited storage.
- Optimize
- Routes each transaction using live cost and approval data, measured per provider, and sits in the quote-only plan. Per-provider measurement lets a merchant compare cost and approval results across gateways, though the capability belongs to the quote-only Performance Optimization plan.
- Protect
- Screens transactions in real time with fraud, identity and 3DS providers, adding friction only where a transaction needs it. Fraud, identity and 3DS vendors plug in as providers, so a merchant can keep an existing fraud tool rather than switch to a bundled one.
- Composer
- A visual workflow builder for fraud, identity and payment routing rules, so non-engineers can adjust logic without a release. It covers fraud, identity and payment routing rules in one canvas, which helps teams that keep these rules in separate systems today.
How Spreedly handles your data
The security page lists PCI DSS Level 1, SOC 2 Type 2 (stated as passed with no exceptions), a CSA STAR Level 1 self-assessment, EMVCo certification for its 3DS2 solution and GDPR compliance, plus EU-U.S., UK Extension and Swiss-U.S. Data Privacy Framework participation. ISO 27001 is not mentioned. The terms say non-identifying data and service data may be used to train AI models, while account data processed with AI features is used only to provide the platform. Account data may be deleted 90 days after termination, and Spreedly runs on AWS across several regions without naming one.
Where Spreedly falls short in practice
- Routing sits behind a quote. Independent Vault is only the vault. Routing logic, retries and fraud tooling belong to Performance Optimization, so the $750 starting price does not buy orchestration itself.
- Training clause in the terms. Section 6.5 allows non-identifying and service data to train, test and improve AI models. Buyers with strict data rules should raise it in contract review.
- Short exit window. Account data may be deleted 90 days after termination, extendable in 30-day periods on request, so migration of tokens has to finish inside that window.
Works with
Alternatives to Spreedly
Spreedly: common questions
How much does Spreedly cost?
As of November 2026, the pricing page shows Independent Vault as starting at $750 per month, with the amount and wording split across page elements. Performance Optimization shows Contact Sales. No free plan or trial is stated, so request a written quote that lists connection fees and volume tiers.
Does Spreedly train AI on my data?
The terms say Spreedly may use non-identifying data and service data to develop, train, test, refine and improve AI models. They also say account data processed with AI or machine learning features is used solely to provide the platform and is not used to train models for other customers. Read sections 6.2 and 6.5 with counsel.
What does the agentic commerce kit do?
The page describes one integration for selling inside ChatGPT, Gemini and other agentic platforms, covering OpenAI, Google, Visa and Mastercard standards. It is listed in the Performance Optimization plan, which is quote only. Ask which agent platforms are live today and how tokens are handled in those flows.
Can I leave Spreedly with my card tokens?
Spreedly markets the vault as protection against vendor lock-in and keeps credentials portable between providers. The terms allow Account Data deletion 90 days after termination, extendable in 30-day periods on request. Get the export process and any fee in writing, and test one migration before you commit volume.
Which certifications does Spreedly state?
The security page states PCI DSS Level 1, SOC 2 Type 2 with no exceptions, a CSA STAR Level 1 self-assessment, EMVCo certification for 3DS2 and GDPR compliance. ISO 27001 is not mentioned. Request the current SOC 2 report and PCI attestation from the vendor before onboarding.