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SAMFCore Presents a Procurement Case for Perpetual Fintech Software

A decision framework compares annual software expenditure with lasting usage rights, deployment control and the costs of external services over a financial product�s life.

Zug, Switzerland – Wednesday, October 14, 2026

The right licensing comparison covers the operating horizon, software rights and third-party costs, not just the first year�s fee.

Perpetual Fintech Software as a Procurement Choice

Swiss AMF AG is presenting a procurement framework for businesses comparing perpetual fintech software with a continuing annual licence. A launch budget may make a recurring fee easy to understand, but the evaluation should account for the period during which the business expects to operate its financial products and the rights it needs as those products grow.

SAMFCore offers an Annual Licence at CHF 80,000 per year and a Perpetual Licence at CHF 325,000 one-time. The annual arrangement provides a continuing right to use the software during the licence term. Under the applicable perpetual model, a customer instead receives permanent contractual usage rights within the licensed scope without an indefinite SAMFCore software subscription. These are published software licence prices, not an all-in estimate of implementation or operation.

Compare the Whole Operating Model

Procurement teams can model several scenarios rather than assume either model is universally cheaper. They should consider the intended operating horizon, changes in customer volume and transaction activity, infrastructure, maintenance or support agreements, planned integrations, migration work and third-party provider charges. The applicable SAMFCore perpetual model includes unlimited end customers and no SAMFCore per-user or transaction-volume licence fees; costs charged by banks, payment networks, card partners and other providers remain separate.

The buyer should also examine where the system runs. SAMFCore supports customer-controlled deployments, subject to the selected configuration. Choosing infrastructure and providers can give an organisation a different degree of operating control from a mandatory vendor-hosted arrangement, but it also requires clear responsibility for hosting, security, provider contracts and technical operations.

A perpetual fintech software decision is therefore about the financial model and the operating model together. A business that wants Full Source Code can evaluate separate packages, which provide greater technical independence within the agreed licence. Progressive Cutover Migration is included within the agreed implementation scope with Perpetual + Full Source Code and Enterprise Global; exceptional third-party charges, proprietary extraction fees or material custom development outside that scope may be quoted separately.

SAMFCore combines accounts, payments, cards, digital assets, compliance and administration in one modular platform, designed to connect customer-selected external providers. Businesses comparing licence models can examine the published terms at samfcore.com/licensing and request a configuration discussion based on their expected product roadmap.

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