Here's the straight answer, since Provenir won't give you one: Provenir does not publish pricing. Not on its website, not on review platforms, not in analyst notes. Every figure attached to its name is reported secondhand. What that reporting consistently says, as of 2026: pricing is custom and subscription-based, the industry reputation is a six-figure annual floor, and implementations run six months or longer with professional services attached. If you were hoping to find a rate card, there isn't one, and this page exists because nobody else will say that plainly either.
What we can do is map how Provenir's pricing model works, what's credibly reported about the numbers, what actually drives the total, and the questions that will get you a real answer from their sales team faster.
How Provenir's pricing model works
Provenir sells an enterprise decisioning platform on an annual subscription. The structure, pieced together from public materials and buyer reports, has four moving parts:
- Platform subscription. The core fee for the decisioning platform itself, scoped by modules and usage. Provenir's scope is full-lifecycle: origination, fraud, identity, collections, and customer engagement, so the quote depends heavily on how much of that lifecycle you license.
- Volume and usage. Decision volume matters. Enterprise decisioning platforms typically price against transaction or decision counts, with tiers and overage terms negotiated per contract.
- Data marketplace costs. Provenir's Global Data Marketplace lists 120+ pre-integrated data partners (bureaus, fraud, KYC, alternative data). The integrations are pre-built, but the data itself is billed by the data providers. Those pass-through costs sit outside the Provenir subscription and scale with your application volume.
- Professional services. Implementation, configuration, and integration work, typically delivered by Provenir Professional Services or a partner. This is usually a separate line item, and for tier-1 deployments it's a substantial one.
None of these numbers are published. Capterra and similar review platforms list Provenir as quotation-based, with no free plan and no free trial. Evaluation happens through a sales-led demo and proof-of-concept process.
What's credibly reported, as of 2026
Hedged appropriately, here's the reporting that exists:
- Six-figure annual floor. This is Provenir's industry reputation rather than a confirmed price: buyers and competitors consistently describe entry pricing in the low-to-mid six figures annually for the platform subscription alone. We've not seen credible reports of Provenir deals materially below that.
- Six-month-plus implementations. Reported deployment timelines run six months and up, sometimes multi-quarter, with professional services engaged throughout. That's consistent with its customer base: Provenir's named logos include BBVA, SoFi, and tbi bank, and tier-1 deployments of this kind simply take that long.
- Multi-year terms. Enterprise decisioning contracts in this segment are typically two to three years. Buyers report that meaningful discounting is tied to term length and committed volume.
- No self-serve anything. No published tiers, no trial, no sandbox you can register for. The buying motion is enterprise sales from first touch.
Treat every number above as reported, not quoted. The only way to get a real figure is a sales process, which is precisely the point of the model: pricing flexes to what the deal will bear, which favors well-prepared buyers and punishes unprepared ones.
What drives the real total
The subscription is not the total. If you're budgeting for Provenir, the real number is the sum of:
- Implementation services. For enterprise decisioning platforms, implementation regularly adds 30 to 100 percent of the first-year subscription. This is the tier-1 implementation tax: months of configuration, integration, and testing before the first decision runs in production.
- Integration work on your side. Core banking, LOS, LMS, bureau connections, and internal data sources all need wiring. Even with pre-built marketplace connectors, your engineering team carries real load.
- Data costs at volume. Bureau pulls, KYC checks, fraud scores, and alternative data are billed per call by providers. At serious application volume this line can rival the platform fee.
- Change and expansion costs. Adding products, markets, or lifecycle modules later typically reprices the contract. Scope your three-year roadmap into the initial negotiation, not after it.
- Internal time. A six-month-plus implementation means six-plus months of your risk, credit, and engineering teams part-allocated to the project before any return shows up.
For a tier-1 bank with a procurement committee and a multi-quarter runway, all of this is normal and priced in. If that's you, Provenir belongs on your shortlist, alongside the names in our 2026 credit decision engine comparison. If it's not you, the rest of this page matters more.
Questions to ask Provenir's sales team
These get you to a real number faster, and they're worth asking any decisioning vendor (we keep a fuller list in questions to ask a loan decisioning vendor):
- What is the all-in first-year cost: subscription, implementation, and integration support, as one number?
- What's the minimum contract term, and what does year two cost if our volume doubles? If it halves?
- Which modules are in the quoted price, and what does adding fraud, collections, or a second product line cost later?
- What do professional services cost per day, and how many days does a deployment like ours typically consume?
- Which data marketplace costs are pass-through, and what did a customer at our volume actually spend on data last year?
- Who changes a policy rule after go-live: our risk team, or a services engagement? What does the latter cost?
- What is the realistic time from signature to first production decision for a lender our size, evidenced by a reference customer?
- What happens at renewal? What's the typical uplift?
If the answers stay vague past the second call, that's information too.
The comparison worth running
Provenir's pricing makes sense for the buyer it's built for: a tier-1 bank licensing full-lifecycle risk decisioning with a budget to match. The buyers who end up on this page are usually not that. They're lenders who need serious loan decisioning, found Provenir first because it's the incumbent name, and then hit the six-figure reputation and the multi-quarter timeline.
That's the comparison worth running. Floowed is a loan decisioning platform built as two products on one platform: Document Intelligence that reads and analyses any loan document at any quality (handwritten, scanned, photographed, the paperwork other systems choke on) into decision-ready data, and a Decisioning Engine that runs your credit policy on that data. The policy you write is the policy that runs, identically, on every application, with full version history and an audit trail. Same policy. Every application. Every time. No exceptions.
The commercial contrast is structural, not a discount. Floowed prices on consumption-based credits, sized to your operation on one short call, at a fraction of typical enterprise platform cost. You're live in weeks of proper configuration, not the quarters tier-1 platforms force on you, and there's a self-serve trial you can start today rather than a procurement runway. We've written up the full head-to-head in Floowed vs Provenir, and where decisioning fits in your wider stack in our guide to the best loan underwriting software.
To be fair in both directions: if you're a tier-1 bank wanting one vendor across credit, fraud, identity, collections, and engagement, with 30+ years of vendor history on the diligence sheet, Provenir's price reflects that scope. If you're a fintech, NBFC, multifinance lender, bank, credit union, or mid-market lender that needs origination decisioning that actually enforces policy, you're paying for lifecycle scope you won't use.
FAQ
Does Provenir publish pricing?
No. There is no public rate card, no published tiers, and no pricing page with numbers. All pricing is custom and quotation-based through enterprise sales.
What is the minimum contract for Provenir?
Not disclosed. The consistent industry reputation is a six-figure annual floor on multi-year terms, but Provenir has never confirmed a figure publicly. Treat it as reported, not quoted.
Does Provenir have a free trial?
No. As of 2026, review platforms report no free plan and no free trial. Evaluation runs through demos and a sales-led proof of concept.
How long does Provenir take to implement?
Reported timelines are six months and up, with professional services involved. Budget implementation as a separate cost on top of the subscription.
What's the alternative for lenders below tier-1 budgets?
Run the comparison against platforms priced for your segment. Floowed covers documents through decisioning on consumption-based pricing sized on one short call. Start free or book a demo and we'll show you your own policy running end to end.
The bottom line
Provenir's price is whatever your negotiation produces, on top of a six-figure reputation and a multi-quarter implementation. If that's your segment, go in with the questions above and a competing quote. If it isn't, don't force it. Start free with Floowed, or book a demo and we'll size the credits to your operation on one short call.