Pay-per-check KYC versus a monthly bundle under 10 clients

People search “pay per check KYC” when a firm with six in-scope matters a year is comparing a monthly bundle with a price that appears only when a check runs. Checked against AUSTRAC's program guidance on 4 October 2026. This is general information, not legal advice. This page does not reproduce that guidance. What client-pays means in practice is client-pays KYC in Australia. The wider cost picture is AML compliance cost in Australia. The sector map is /tranche-2.

Ten files do not fill twelve invoices

A monthly bundle makes sense when checks are steady enough that you would rather one predictable invoice. Under ten in-scope clients a year, most months have no one to verify. You are then paying for the right to log in during weeks the program did not ask for a check. That is an access fee, not a closer match to the work.

Pay-per-check attaches the price to the file, and a person is A$20, and a company or a trust is A$40. On FreeAML those amounts are paid by the client, and the firm does not buy a bundle so the client can start. Six matters might be six personal checks, or two companies and four people, and either way you can count them. You cannot count a fair share of a bundle without knowing a price this page will not invent.

• Count last year. In-scope matters, not every client in the book. Under ten is the range this page is about.
• A bundle bills the calendar. Twelve months, including the months with no file. That is the mismatch.
• A check bills the file. A$20 or A$40, when someone is actually verified.
• The client can be the payer. The firm suite is A$0. You do not need a bundle sitting in the firm's name for the link to work.

Under ten clients, side by side

Where the bundle comparison stops

This page is pay-per-check against a monthly bundle when you have fewer than ten clients. It is not the general client-pays explanation, and it is not a full-year compliance budget. Those are client-pays KYC in Australia and AML compliance cost in Australia.

What the client pays

On FreeAML the firm suite is A$0. The firm emails the client a link. Verification is client-pays. On the public list a personal KYC check is A$20 and a company or trust KYB check is A$40. Use KYB when the customer is a company or a trust. A quiet month does not create a FreeAML platform invoice, because the only verification price is the client-pays check that actually runs. Confirm the live amounts on FreeAML pricing. FreeAML does not choose a monthly bundle for you or price anyone else's plan.

Frequently Asked Questions