Compare Membership Tiers

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

Credits are the universal unit of consumption on the FHR Exchange. Different actions consume different amounts: viewing a Public FHR report costs one credit, accepting a FastTrack share costs 7.5 credits, and RiskPulse profile views cost one credit (North America and Europe) or three credits (rest of world). The Credits Remaining widget at the top of every My Suppliers tab updates in real time as you consume them.

Basic tier members receive ten lifetime credits — they are not renewed. Essential and Pro tier members receive their full credit allotment each year at the start of their subscription period. Credit carry-over on upgrade is not available at the July 1st launch and is targeted for a later release.

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 tiers, 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 tiers.

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

You can upgrade from any tier to any higher tier at any point. Downgrades are not permitted — tiers below your active tier are visible on the Package Selection page but cannot be purchased. Mid-cycle upgrades with pro-rated pricing and incremental credit grants are planned for a later release; at launch, upgrades take effect at the full annual price with the full credit allotment.

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 without paying.

If you want to share your FHR with other parties, manage how it is disclosed, refresh it during the year, or showcase your rating with a Platinum, Gold, or Silver badge, Essential gives you the disclosure, sharing, and badge controls without taking on supplier-side tooling.

If you are buying financial intelligence on your own suppliers — accepting FastTrack shares, monitoring companies in RiskPulse, or requesting ActionPaths from your supplier base — Pro 50 is the entry point. The choice between Pro 50, Pro 150, and Pro 250 is a question of credit volume, not features.

If you operate at the scale where you want RapidRatings to run outreach campaigns to your private suppliers on your behalf, Pro+ is the only tier that includes Outreach.