ZeroSettle pricing: plans, limits and how to get a number

What do the ZeroSettle plans include?

ZeroSettle has one self-serve plan, Pro, at $49 a month for one number, and two sales-led plans: Growth at “From $599/mo” and Enterprise at “Custom pricing”. All three carry “No setup fee · Cancel anytime” on the zerosettle.io pricing section.

Sources: zerosettle.io Plans section; ZeroSettle iMessage API docs, “Your iMessage number” (Pricing).

Pro and Growth are billed monthly by Stripe; Enterprise is arranged with sales at founders@zerosettle.io. For the API itself, see what ZeroSettle is and how it works.

What do the ZeroSettle limits mean in practice?

ZeroSettle limits how many new people each number can message first, not how many messages it sends: outbound and inbound messages are unlimited (counted). Pro allows 5 new contacts a day per number and Growth allows 50; both stop at 2 unanswered messages to one contact.

Source: ZeroSettle iMessage API docs, “Errors, limits, and compliance”. On both plans, messages sent within 5 minutes of the first count as one, and anything the contact sends back (a text, photo, voice note or tapback) resets the unanswered count.

The docs define the term: “A ‘new contact’ is a handle the line delivers a text, voice message, or photo to first; reactions, typing, profile shares, and failed sends never count. Anyone who texted the line first is never limited, and neither is an ongoing conversation.” Deleting a conversation makes that person a new contact again. Every first message is also checked with Apple: if the address isn't on iMessage, the API answers 422 not_on_imessage, nothing is sent and no new-contact slot is used.

The limit math for one number

• Pro: 5 a day is about 150 first messages a month per number (5 × 30 days, our arithmetic). Need more? Book a demo to upgrade to Growth.
• Growth: 50 a day is about 1,500 a month per number. At 3 per 15 minutes, the 50th new contact goes out about 4 hours after the first (both our arithmetic).
• At the cap: the API answers 429 new_contact_limit with retry_after_s; on Pro, its message says how to upgrade. With several numbers, a send is refused only when every number is full (or, when the send names a number, when that one is).

The docs say the caps are “what keeps the number out of Apple's spam filters”, and they apply to the console too. See how to keep a business iMessage number out of spam filters.

What do ZeroSettle AI credits cost?

ZeroSettle AI credits come with the plan: 1,000 a month on Pro and 5,000 on Growth, and extra packs cost $50 for 1,000 or $200 for 5,000. Only the hosted AI agent (Beta) uses them, one for each text it sends. The monthly credits are shared by every number on the account, and unused ones don't carry over.

• What uses a credit: every text the agent sends, so a three-text answer uses three. Typing, tapbacks and an answer it decides not to send use none, and a refused or failed text gives its credit back.
• Your own server uses none: a line your code answers through the API never spends AI credits.
• Running out: at 20% left and again at zero, ZeroSettle sends a text with a buy link to the number you sign in with. At zero the agent goes quiet until credits refill or you buy a pack.

Settings that decide how many texts the agent sends are in how ZeroSettle's hosted AI agent answers iMessages.

How do you get a ZeroSettle number, step by step?

A ZeroSettle Pro number takes four steps in the console, and the API opens once the subscription is active. Growth starts with a demo booking, after which ZeroSettle sends a signup link that runs the same steps.

1. Press Get started and sign in with your phone number (a one-time SMS code). A number is set aside for you while you finish.
2. Answer one question: what the number is for (sign in with iMessage, branded messages, or an AI agent). That claims the number.
3. Set your brand name and photo, and text yourself a test message from the new number. You can skip the test, and change the name and photo later.
4. Subscribe. The console and the API open once the subscription is active.

Until the subscription is active, the API answers 402 to everything, and a number not paid for within 30 minutes is released. Numbers can sell out: if all are taken, you can join the waitlist.

After subscribing, one call confirms the line is paid and shows today's new-contact count:

BASE=https://portal.zerosettle.io
# ZEROSETTLE_TOKEN: your API token from the console, kept in the environment
curl -s -H "Authorization: Bearer $ZEROSETTLE_TOKEN" "$BASE/api/imessage/line"

{
  "handle": "+18055550100",
  "usage": {"inbound":      {"used": 12, "limit": null, "period": "30d"},
            "outbound":     {"used": 9,  "limit": null, "period": "30d"},
            "new_contacts": {"used": 1,  "limit": 5,    "period": "day",
                             "resets_at": "2026-10-09T07:00:00+00:00"}}
}

handle is your number. inbound and outbound count the last 30 days, and "limit": null means unlimited; new_contacts counts since the last 3 AM Eastern, and resets_at is the next reset, in UTC. Unpaid, the call returns 402 payment_required.

An AI coding agent can run the same steps: with the ZeroSettle connector in Claude Code, Claude or Cursor, the get-started prompt signs you up and hands you a Stripe payment link (see connecting Claude Code or Cursor to an iMessage number and the connector docs).

Is there a ZeroSettle free trial or refund?

ZeroSettle has no free trial. Pro and Growth subscriptions carry a 30-day money-back guarantee instead: “ask within 30 days and you are refunded in full and the subscription is cancelled.”

• Covered: the subscription only. “The money-back guarantee covers the subscription, not packs.”
• Before paying: setup step 3 lets you text your personal number from the new line and see the result first.
• Cancelling: “Any time, from the console.” The terms add: “Cancellation takes effect at the end of the then-current billing period.”

What isn't included in a ZeroSettle plan?

A ZeroSettle plan includes the use of a number on iMessage, not ownership of it. Number porting, area-code choice, non-US numbers, SMS fallback and a contractual SLA are not part of any published plan.

• The number stays ZeroSettle's. “Phone numbers assigned to your lines remain the property of ZeroSettle. Once a subscription is no longer active, the number is reclaimed and may be reassigned or returned to its provider.” There is no porting out or bringing your own.
• No area-code choice. ZeroSettle assigns the number; you can still reach iMessage users abroad with their country code.
• No SMS fallback. “The address must be on someone's iMessage; there is no SMS or email fallback.” SMS fallback for non-Apple phones is on the roadmap; until then, keep email or chat for Android customers.
• No SLA. ZeroSettle reports “99.9% uptime” on its homepage; that is a published figure, not a contractual service level.

Need several numbers working as one, with more new contacts a day? That's Growth.

How does ZeroSettle's price compare?

ZeroSettle Pro is $49 a month. The paid plans below, from four other iMessage API providers, start at $100 to $289 a month as of October 8, 2026, and differ in whether the number can send the first message.

LoopMessage: Light from $59.99 + number $15 + Init conversations $30 a month; $60 once covers the number ($15), Init conversations ($30) and sender name ($15). ZeroSettle wrote this page and makes one of the products listed; confirm prices at checkout.

Price is one axis; fallback is another. LoopMessage sells SMS/RCS fallback as a $15-a-month add-on, Linq lists “RCS and SMS fallback” from its free plan up, and ZeroSettle has none. See iMessage API pricing compared for the full breakdown, ZeroSettle's comparison pages for each provider, and How ZeroSettle works for more explainers.