Pricing

Per-query pricing. Start with a pilot.

Panthera pricing is structured around query volume and market coverage. Pilot access is available at a flat fee to let you validate approval lift against your own portfolio before committing to a production tier.

Plans

Choose the tier that fits your volume.

All tiers include per-market model access, reason codes, regulatory documentation, and technical onboarding support. Pricing shown is per query in USD.

Pilot
$0.90 / query
Up to 5,000 queries / month
1 market included
  • Full Panthera Score (0-1000) with band
  • Up to 5 reason codes per decision
  • REST API with sandbox environment
  • Regulatory documentation for chosen market
  • Email support with 2-business-day SLA

Minimum 3-month pilot commitment. Flat-fee option available for fixed-volume retrospective scoring projects.

Start a Pilot
Most Popular
Scale
$0.55 / query
5,001 - 50,000 queries / month
Up to 3 markets included
  • Everything in Pilot
  • Multi-market model access (up to 3)
  • Batch ingestion endpoint for portfolio scoring
  • Webhook callbacks for async scoring jobs
  • Dedicated integration engineer for onboarding
  • Slack/Teams channel support

Volume commitments negotiated at contract. Quarterly model retraining included. Custom data source onboarding available.

Get Scale Access
Enterprise
Custom
50,000+ queries / month
All 4 markets
  • Everything in Scale
  • All four market models included
  • Custom feature engineering for your data
  • Private model deployment option
  • Named account manager and dedicated CSE
  • Priority SLA with 4-hour response on P1
  • Custom regulatory reporting packages

Pricing based on committed volume, market count, and custom engineering scope. Multi-year contracts available with volume guarantees.

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FAQ

Pricing questions, answered.

A query is one scoring request submitted to the Panthera API for a single applicant in a single market. Retries on the same request_id within 60 seconds do not count as additional queries. Batch scoring jobs are billed per applicant scored.
Yes. Markets can be added to an active contract at any time. Adding a market triggers a brief data partnership onboarding step for local sources and a regulatory documentation package for the new jurisdiction. Timeline is typically 2-4 weeks from signed addendum.
The Pilot tier requires a minimum 3-month commitment. For lenders that want to run a fixed retrospective scoring project (scoring an existing portfolio for backtesting), we offer flat-fee retrospective scoring packages starting at 5,000 applicants. Contact us for retrospective pricing.
Contracts are denominated in USD. For Enterprise customers, invoicing can be structured in IDR, VND, PHP, or JPY at fixed exchange rates agreed at contract signing. FX risk is borne by Panthera for contracts with fixed local-currency denomination.
Panthera stores the scoring request metadata and output (score, band, reason codes) for 90 days for audit trail purposes. Raw borrower data submitted for scoring is not persisted after the scoring response is returned. Data residency options are available for each market's regulatory requirements.
Yes, and this is the most common deployment pattern for lenders who already use bureau data. Panthera is designed for the thin-file applicant population where bureau data is absent or sparse. For applicants with existing bureau records, lenders typically route Panthera as a supplementary signal or use it for the no-hit bureau population exclusively.
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Let's size the right pilot for your portfolio.

Our team will review your thin-file applicant volume, identify the data sources available in your market, and structure a pilot that gives you measurable approval lift data in 90 days.

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