Which ZeroSettle plan is right for you: Pro, Growth or Enterprise?

Which plan should you pick?

ZeroSettle gives your business a dedicated phone number on real iMessage, running on Apple hardware we operate in a server facility. Your code, your AI agent or ZeroSettle's hosted agent texts from it, with your name and photo, and hears every reply on a signed webhook. ZeroSettle is backed by Y Combinator and built by former Apple engineers. All three plans get the same kind of number; what changes is how many new people each number may message first, how many numbers and people the account has, and how it's bought.

Ask yourself one question first: who sends the first text? If people text you, you almost certainly want Pro. If you text them, count how many new people a day, then read the Growth section.

What do Pro, Growth and Enterprise each include?

Pro is the only plan you can buy yourself without a link. Growth signs up from a Growth link or as an upgrade from Pro. Enterprise is arranged with sales. All three show "No setup fee · Cancel anytime" on the zerosettle.io plans section.

Credits pay for the hosted AI agent (one per text it sends) and for videos (one per 3 MB). They're shared by every number on the account and never expire. Packs are 1,000 for $50 or 5,000 for $200. A number your own server answers uses no credits for texts. The full price breakdown is in ZeroSettle pricing.

Why is Pro the plan for building AI agents?

Because an agent's traffic is mostly inbound, and inbound is what Pro doesn't limit. The 5-a-day cap counts only people your number messages first. "Anyone who texted the line first never counts, and neither does an ongoing conversation," as the docs put it. Both share the number's 10,000 messages a day.

That fits the agents people actually build:

• Your own agent. Your server gets each text on a webhook, calls your model, and answers with POST /api/imessage/send. Building iMessage agents walks through it.
• An agent product you already use. ZeroSettle's MCP server at https://portal.zerosettle.io/mcp signs you up, sets your name and photo, mints an API key and tests your webhook from Claude Code, Cursor or another MCP client that allows its write tools (setup guide). For Grok Bot, start with how to give your Grok Bot iMessage; for Claude Duet and ChatGPT dots, see Claude Duet with an iMessage number and ChatGPT dots with an iMessage number. Each covers what that product's own docs confirm, and what they don't.
• No code at all. A new number starts managed by ZeroSettle's hosted AI agent, which answers from a business context you write, plus files, videos and MCP servers you connect. Pro's 500 free credits cover its first 500 texts.

Pro's 5 new contacts a day still let an agent start conversations: a morning check-in to a new client, a reply to a web form, a nudge to someone who asked for one. Five a day is about 150 a month per number. If your agent's job is to reach out first, all day, it's a Growth job.

Why is Growth the plan for coaching, setting and closing?

Because those jobs start conversations. A coach texts the people who booked a discovery call. An appointment setter texts every lead who filled in a form and ticked the consent box. A closer follows up with the prospects who went quiet after a quote. Each of those leads counts as a new contact the first time your number messages them, and a busy rep passes 5 a day before lunch.

Growth changes three things:

• 25+ new outbound contacts a day for the starting number, at $199 a month. At that pace the 50th goes out about four hours after the first (our arithmetic).
• Room to grow past one number. Growth starts with one dedicated number; multi-number Growth terms are agreed in an invite, so talk to us if one number isn't enough. Several numbers on one account work as one: one API key, one webhook, one live stream. A contact you already talk to is always messaged from the same number, so each person hears from one number only, and a new contact goes to the number with the most room left today.
• Team members. Inviting people to the account is part of Growth, so each rep or coach can work from the same account. Team members act on the account; only the owner's key can buy numbers.

The leads still have to be opted in. Growth raises how many people you can reach, not who you may text. Message only people who asked to hear from you; unsolicited texting gets numbers suspended and can break the TCPA. Read iMessage marketing and TCPA consent before your first campaign, and lead nurture without getting your number flagged for how to pace follow-ups. This batch also has worked examples: Grok Bot as an appointment setter, texting new leads in under a minute and Claude Duet for coaches.

When do you need Enterprise?

When volume or paperwork outgrows Growth. The homepage lists Enterprise as "For high volume and compliance needs" with everything in Growth plus:

• Outreach to 300,000+ new contacts a month
• A shared Slack channel with our engineers
• Hands-on onboarding and integration help
• SOC 2, DPA and security reviews
• Annual invoicing

Pro and Growth bill monthly through Stripe, so if your finance team needs an annual invoice, or your security team needs a DPA signed before any customer data flows, that's an Enterprise conversation. Pricing is custom; email founders@zerosettle.io. For what ZeroSettle already does with keys, webhooks and data, see iMessage API security.

Which plan fits these five businesses?

The businesses below are fictional; the numbers are the published limits and our arithmetic.

Two rules of thumb fall out of the table. Divide your daily new opted-in leads by 25 to estimate how many Growth numbers you need: one is Growth’s $199 starting number, and more than one is a multi-number Growth invite, so talk to us. And if you can't say how many new people you'll text a day, start on Pro: the API tells you exactly when you hit the limit.

How do you upgrade from Pro to Growth?

From the console, in one step. Open portal.zerosettle.io/imessage#upgrade. Per the docs, "your subscription moves to Growth at once, and today you pay the rest of this month's difference." Your number, API key, webhook, name, photo and conversations stay as they are. The account's free credits top up by the difference between Pro's 500 and Growth's 1,000.

You'll know it's time when sends start coming back as 429 new_contact_limit before the day is over. On Pro that error's message says how to get more. You can check today's count any time:

BASE=https://portal.zerosettle.io
# ZEROSETTLE_TOKEN: your API key, kept in the environment
curl -s -H "Authorization: Bearer $ZEROSETTLE_TOKEN" "$BASE/api/imessage/line"
# "usage": {"new_contacts": {"used": 5, "limit": 5, "period": "day", "resets_at": "..."}}
# usage.new_contacts is the account total (5 per number on Pro, 25+ per number on Growth);
# "lines" lists each number's own usage on a multi-number account. The day resets at 3 AM Eastern.

Two choices to make before you press it:

• Upgrade or invite? Upgrading keeps your existing account and bills $199 a month per number. A Growth invite starts a new account on the multi-number terms agreed in it, from a link a ZeroSettle partner shared or ZeroSettle sent you (the homepage's Book a demo is one way to ask; the docs say no demo is needed to use a link).
• More than one Pro number? Pro accounts can add numbers too, each with its own 5 a day. The upgrade moves every number on the subscription to Growth's $199 a month, and its quote (which charges nothing) shows the new monthly total and today's prorated charge, so check both before you confirm. Only the account owner can upgrade.

To add numbers later on either plan, use Add number in the console or GET /api/imessage/lines/quote?count=1 to see the price first; the quote charges nothing.

What is the same on every plan?

The rules that keep a number out of Apple's spam filters apply to Pro, Growth and Enterprise alike, and to the console as well as the API:

• 10,000 messages a day per number, sent and received, with known contacts. Every plan has this cap.
• At most 2 messages to someone who hasn't replied (a burst within 5 minutes counts as one). A third returns 403 awaiting_reply.
• Text only until they reply. Photos, videos, voice messages and polls wait for the contact's first reply.
• STOP is final. A reply whose whole message or first sentence is STOP or a listed opt-out phrase (such as "unsubscribe" or "stop texting me") opts the sender out of every number on the account, and sends to them return 403 recipient_opted_out. See STOP and opt-outs.
• The same features: blue bubbles, your name and photo (shown subject to the recipient's settings), photos, voice messages, tapbacks, typing indicators, polls, group chats and videos, all through the same API and webhooks.

So the decision is never about features. It's about how many new people you'll reach, how many numbers and teammates you need, and how your company buys software.

What does the money-back guarantee cover?

Pro and Growth are both billed monthly by Stripe with a 30-day money-back guarantee: "ask within 30 days and you are refunded in full and the subscription is cancelled." It covers the subscription, not credit packs. There's no free tier and no setup fee, and you can cancel any time from the Billing card in the console. Before paying, setup lets you text your own phone from the new number so you can see exactly what customers will see.

A safe way to test the decision: start on Pro, build your agent or your follow-up flow, and watch usage.new_contacts for two weeks. If you're regularly at 5 before the evening, upgrade. If you never get near it, you've saved $150 a month. The comparisons hub has more side-by-sides, including other iMessage API providers.