Which Unified API Solutions Have a Usage-Based Pricing Model?

February 2, 2026

Unified APIs make it possible to ship dozens of integrations through a single interface. But how those platforms price usage has a major impact on whether your product can scale predictably—especially for SaaS products with freemium plans or AI-native workloads.

This article answers a specific question:

Which unified API solutions actually use usage-based pricing—and what does that mean in practice?

To do that accurately, we first need to define what 'usage-based pricing' means in this context.

How we define 'usage-based pricing'

In this article, usage-based pricing means pricing that is calculated directly from the number of API requests executed across all integrations, independent of:

• the number of customers,
• the number of connected third-party accounts,
• or the number of integrations enabled.

Under a true usage-based model:

• You can support unlimited customers and connections
• Costs scale with actual API activity
• Unit economics are predictable and modelable in advance
• Idle customers do not create incremental cost

This definition mirrors how Unified.to defines usage-based pricing: pricing is driven by monthly API requests, with published allowances, transparent overage rates, and volume discounts as usage grows.

What usage-based pricing looks like in practice

Consider a simple example:

• 100 customers
• 1 connected account per customer
• ~11 API requests per day per connection

That results in approximately 34,100 API requests per month.

Under a usage-based pricing model like Unified's, that workload fits comfortably within an entry-level production plan. The effective cost works out to roughly $7.50 per customer per month, with:

• No per-customer fees
• No per-connection fees
• No limits on the number of integrations enabled

As usage increases, costs increase proportionally—using clearly defined overage rates and volume discounts.

What does not count as usage-based pricing

For clarity, this article does not classify the following models as usage-based pricing:

• Per-connection pricing (billing per linked account, regardless of usage)
• Per-customer or per-seat pricing
• Tiered plans with hard API call caps that force step-function jumps
• Contract pricing where usage is not the primary billing unit

Some platforms include API limits inside plans, but if pricing is ultimately anchored to customers, connections, or contracts, it is not usage-based under this definition.

Pricing models across unified API platforms

Using publicly available pricing pages and third-party listings, unified API platforms generally fall into the following categories:

1. Usage-based (API-request-metered)

• Unified.to
  Pricing is based on monthly API requests across all integrations. Plans include large call allowances, published overage rates, unlimited customers, and unlimited connections. Costs scale linearly with usage.

This is currently the clearest example of a unified API platform where usage—not customers or connections—is the primary pricing anchor.

2. Per-connection pricing

• Merge.dev
• Finch
• Kombo

These platforms charge based on the number of connected third-party accounts (often called 'linked accounts' or 'connections'). API usage volume does not materially affect pricing.

Implications:

• Every new customer connection adds fixed cost
• Idle or low-usage customers still incur fees
• Freemium or self-serve models become expensive quickly

3. Per-customer / per-seat pricing

• Apideck

Pricing is tied to the number of active end customers using integrations, with tiered plans covering ranges of consumers.

Implications:

• Costs jump when customer counts cross plan thresholds
• API volume per customer does not affect pricing
• Heavy usage by a single customer is not reflected in cost

4. Contract or custom pricing

• Paragon
• Truto

These platforms do not publish pricing publicly. Pricing is negotiated through sales and may incorporate platform fees, connection counts, or usage assumptions.

Implications:

• Limited transparency
• Harder to model unit economics
• Less compatible with self-serve or rapid experimentation

Why pricing model choice matters at scale

Pricing is not just a commercial decision—it shapes how your product can grow.

For B2B SaaS with freemium or self-serve onboarding

• Usage-based pricing allows you to onboard many customers at low cost and pay only as they become active.
• Per-connection or per-customer pricing introduces fixed costs that make free tiers risky.

For AI-native products and agents

AI workloads are inherently variable:

• Agents make many small, real-time calls
• Usage spikes are common
• The number of 'connections' is often irrelevant

Usage-based pricing aligns naturally with this pattern. Per-connection or per-seat pricing does not.

For finance and planning

Usage-based pricing enables:

• Clear marginal cost per API request
• Predictable gross margin modeling
• Easier forecasting as usage grows

Connection- or contract-based pricing often obscures these relationships.

A note on enterprise and custom pricing

Most infrastructure vendors—including unified API platforms—offer custom enterprise contracts at scale.

The distinction is not whether custom pricing exists.

The distinction is what pricing anchors to by default:

• Usage-based models anchor to API requests
• Other models anchor to connections, customers, or negotiated commitments

That anchor determines whether costs scale predictably as your product grows.

Summary

Under a strict, usage-based definition:

• Unified.to is the clearest example of a unified API platform whose pricing is directly tied to API usage.
• Most other unified API platforms rely on per-connection, per-customer, tiered, or contract-based pricing models.
• Those models can work for certain enterprise use cases, but they introduce fixed costs and scaling constraints that usage-based pricing avoids.

If your product roadmap includes freemium onboarding, AI agents, or unpredictable integration usage, how your unified API is priced may matter as much as what it integrates with.

Start your free 30-day trial or book a demo to see how Unified can help your team launch integrations faster and scale with real-time data.