Compare Membership Tiers

The FHR Exchange offers six membership packages: Basic, Essential, Pro 50, Pro 150, Pro 250, and Pro+. Each package unlocks a defined set of features, includes a specific number of credits, includes a free FastTrack acceptance allotment, and supports a specific number of users. This article summarizes what each package includes so you can identify the right fit for how you intend to use the platform.

Basic members can view their FHR and reports inside the portal but cannot download them as PDFs. Report download unlocks at Essential and covers the FHR Report, Limited Transparency Report, Financial Dialogue, and Peer Benchmark.

Credits are the general unit of consumption on the FHR Exchange. Different actions consume different amounts: viewing a Public Company FHR costs 1 credit, retrieving a RiskPulse profile costs 1 credit (North America and Europe) or 3 credits (rest of world), and (on Pro+) initiating an Outreach costs 15 credits. The credit balance widget on the Supplier Management page updates in real time as credits are consumed. For the full list of credit-consuming actions, see Member Credit Cost Matrix.

Basic members receive 10 lifetime credits that are never renewed. Essential and Pro members receive their full credit allotment each year at the start of their subscription period.

The FastTrack allotment is separate from your credit balance. It governs how many FastTrack shares you can accept for free before either being locked out (Basic and Essential) or being charged from your credit balance (Pro and Pro+). Sending FastTrack invitations is always unlimited and never consumes an allotment or credit; the allotment is only consumed when you accept a share.

Basic and Essential members are hard-locked once their free FastTrack allotment is exhausted. The only way to accept further shares is to upgrade the package.

Pro and Pro+ members are never hard-locked. Once the free FastTrack allotment is exhausted, each additional accepted share deducts 7.5 credits from the credit balance. If a Pro member runs out of credits, they are prompted to buy add-on credits or upgrade. Pro+ members see an add-on credits prompt only, since there is no higher package to upgrade to.

The three Pro credit bundles (Pro 50, Pro 150, Pro 250) share a single 20-share FastTrack allotment. Moving between bundles does not reset or restore the FastTrack allotment; only an upgrade to Pro+ adds free shares. For the full mechanics, see Rate Your Own Suppliers.

Essential and Pro 50 are paid by card, using an embedded Stripe checkout that handles tax calculation and discount codes inline. Pro 150, Pro 250, and Pro+ are paid by bank transfer only. When you select one of these packages, Stripe generates a unique virtual bank account and a payment reference; you push funds from your own bank account and your entitlements provision automatically once Stripe reconciles the payment. Bank transfer renewals are member-initiated: a renewal invoice is issued ahead of your renewal date and access continues only once payment is received. There is no auto-debit on bank transfer packages.

You cannot self-serve switch payment methods on Pro 150, Pro 250, or Pro+. The payment method is tied to the package.

You can upgrade from any package to any higher package at any point. When you upgrade, your credit balance carries over and gains the difference between the two package totals, and your FastTrack allotment becomes remaining plus the difference between the two package FastTrack totals. For example, an Essential member with 5 of 15 FastTrack acceptances remaining who upgrades to Pro 50 lands with 15 of 20 remaining.

Downgrades take effect at the end of the current subscription term. You keep access to all previously accepted FHRs and start the new period with the lower package's full annual credit and FastTrack allotments. A downgrade to Basic uses a lifetime calculation for the FastTrack allotment: remaining Basic allotment equals 10 minus your lifetime accepted shares, floored at 0.

To upgrade, navigate to the Package Selection page from the Explore Upgrades widget on your homepage, from any upgrade prompt in the portal, or from the account dropdown under Packages & Subscriptions.

If your client requested a Financial Health Rating from you and you intend only to complete that request, Basic is sufficient. You can submit financials, receive your rating, and view it in-portal without paying. Basic also includes 10 lifetime FastTrack acceptances if you want to bring your own suppliers into ratings on a small scale.

If you want to download your FHR and supporting reports as PDFs, share your FHR with other parties, refresh it during the year, showcase your rating with a Platinum, Gold, or Silver badge, or bring more of your own suppliers into ratings via FastTrack (15 per year vs Basic's 10 lifetime), Essential gives you those capabilities without taking on the wider supplier intelligence toolkit.

If you are buying financial intelligence on your own suppliers at scale (monitoring companies in RiskPulse, requesting ActionPaths from your supplier base, and accepting a higher volume of FastTrack shares), Pro 50 is the entry point. The choice between Pro 50, Pro 150, and Pro 250 is a question of credit volume, not features. The FastTrack allotment is 20 per year regardless of which Pro bundle you choose.

If you want RapidRatings to run outreach campaigns to your private suppliers on your behalf, Pro+ is the only package that includes Outreach. Pro+ also carries the largest FastTrack allotment at 30 per year.