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Tabeo Pricing Plans & Fee Credit

What are Tabeo Pricing Plans?

Tabeo’s finance platform offers three pricing plans — Lite, Pro, and Max — tailored to match how much finance a merchant expects to offer patients, the terms required and level of support with licensing.

These plans help practices control costs, offer flexible patient financing, and stay compliant with FCA regulations if needed.

Each plan includes:

  • Access to different finance terms (e.g. 3–12, 3–36, or 3–60 months)

  • Optional use of Tabeo’s FCA umbrella for regulated finance (subject to risk checks)

  • A built-in monthly fee credit to offset actual subsidy fees incurred

How do the three pricing plans differ?


Plan

Finance Term

FCA Cover (IAR)*

Monthly Fee Credit

Best For

Lite

3–12 months (unregulated - 0%)

Not required

£10

Practices new to finance/ Requiring only Unregulated Finance

Pro

3–36 months (0-9.9% APR)

Included for an additional annual fee (£200 p/a)

£50

Mid-level users or growing clinics

Max

3–60 months (0-14.9% APR)

FCA licence included

£100

High-volume or FCA-licensed clinics

What is the “monthly fee credit”?

The monthly fee credit is a minimum fee required from the merchant, differing with each plan, that is paid to Tabeo. The monthly fee credit is applied against subsidy fees actually incurred by you for loans advanced to your customers.

  • If your total subsidy fees (what you pay for a written loan to your customer) exceed the credit on your chosen plan, you pay nothing extra.

  • If your usage is below the threshold, you pay the difference at the end of the quarter.

For example:

  • On the Pro Plan, the charge is £50/month in monthly minimum fee credit (i.e. £150 per quarter).

  • If your subsidy fees total £180 for the quarter, you pay nothing extra.

  • If your subsidy fees total £90, you’ll be invoiced for the £60 shortfall.

What are subsidy fees?

Subsidy fees are what you pay to offer interest-free or interest-bearing loans to your patients. These fees vary depending on:

  • The Loan Amount 
  • The Loan Term
  • The APR paid by the Consumer

When are charges calculated?

Charges are reviewed quarterly, not monthly. This gives you flexibility and helps balance out quieter months.

If your total subsidy fees across the quarter are higher than your total fee credit, there’s no charge. If not, the difference is invoiced at quarter-end.

Can I upgrade or downgrade my plan?

Yes — Tabeo allows flexible movement between plans:

  • Upgrade anytime: We’ll issue a new agreement and you can benefit straight away from new options and access to new terms.

  • Downgrade: You’ll need to complete the notice period for your existing plan, and the new plan (and pricing) will take effect once that period ends.

What if my finance usage drops temporarily (e.g. December)?

No problem. Because plans are reviewed quarterly, higher usage in earlier months (like October/November) typically balances out quieter periods.

Plus, if your total subsidy fees exceed your plan’s quarterly fee credit, you still pay nothing — even with seasonal dips.

What happens if I don’t join a pricing plan?

All merchants are required to be on a plan. Without a plan:

  • Access to certain finance terms or features may be restricted

  • Your account may be paused

  • You may lose extended-term finance options

How do I join a pricing plan or speak to someone?

You can sign up directly using the links below or arrange a callback with our team: