How much does MOGOPLUS cost?

Pay-per-call, usage-based pricing with no platform fees. A free trial with sandbox access is offered with no credit card required; a dedicated onboarding engineer supports the move to production.

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MOGOPLUS

Q: Who is MOGOPLUS for?

Banks, Non-bank lenders, Credit unions, Digital lending platforms

Also known as: MogoPlus, Mogo Holdings

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Enterprise operations agentindependentVerified 2026-07-10

Vertical agentic AI for lenders whose agents automate income verification, creditworthiness analysis, and application processing across the loan lifecycle, delivered through an API with usage-based pricing.

MOGOPLUS (mogoplus.ai, Sydney, founded 2013) provides vertical agentic AI for the lending and credit lifecycle. Its AI agents automate critical components of the consumer and SME loan lifecycle, including income verification, creditworthiness analysis, and application processing, turning unstructured bank-transaction data into structured, categorised outputs for faster and more accurate lending decisions. The platform is delivered through a documented API with SDK support and a sandbox, on pay-per-call usage-based pricing with no platform fees, and integrates with loan origination systems, open banking or CDR data through partners, the Provenir Data Marketplace, and Google Cloud Marketplace. Products include GoCat for data categorisation, GoVerify for income verification, GoLend for affordability, GoSwitch for account switching, and a Mortgage Stress Predictor. The company is building an internal Agentic AI Factory to develop and deploy further specialised agents, and counts several Tier 1 Australian banks and a large Middle Eastern bank among its customers. It raised about 1.5 million Australian dollars from New Model Venture Capital.

Vendor details

Canonical URL

https://www.mogoplus.ai

Funding status

Private, venture stage. Founded 2013 in Sydney, Australia; raised about 1.5 million Australian dollars from New Model Venture Capital, with Fig also an investor. Customers include Tier 1 Australian banks and a large Middle Eastern bank.

Company status

independent

Use cases & customers

Primary use cases

Automated credit decisioningIncome and affordability verificationTransaction data categorisationLoan application processing

Target customers

BanksNon-bank lendersCredit unionsDigital lending platforms

Deployment options

SaaSGoogle Cloud Marketplace

Integrations

Documented API and SDK, integration with existing loan origination systems, open banking and CDR data access through partners such as Wych and Adatree, the Provenir Data Marketplace, and Google Cloud Marketplace with bring-your-own-data.

Sources & related URLs

Related / legacy domains

https://www.mogoplus.ai/credit-decisioning/

Research sources

https://www.mogoplus.ai/ https://www.mogoplus.ai/credit-decisioning/ https://thetechnologyledger.com/mogoplus/ https://ffnews.com/newsarticle/funding/mogoplus-funding/

Capability coverage

7.0 / 14 capabilities · 50%

Integrations & Tool Callingmogoplus.ai: full API documentation and SDK support, connecting to loan origination systems, the Provenir Data Marketplace, Google Cloud Marketplace, and open banking or CDR data via partners.	Full
Workflow Orchestrationmogoplus.ai: agents automate components of the loan lifecycle such as income verification and application processing; broader agentic orchestration is emerging via the internal Agentic AI Factory.	Partial
Knowledge Grounding & RAGmogoplus.ai: makes sense of unstructured bank-transaction data and converts it into structured, categorised outputs; not general RAG.	Partial
Human Oversight & Guardrailsmogoplus.ai: assisting agents augment human credit officers, who retain the lending decision; no configurable oversight controls documented.	Partial
Security, Identity & Governancemogoplus.ai: a rules engine and real-time monitoring support regulatory compliance and responsible lending, with data privacy stated as a priority; specific certifications not documented.	Partial
Observability & Auditabilitymogoplus.ai: real-time monitoring plus audit and compliance mechanisms across decisioning.	Partial
Memory & State PersistenceNo agent memory or state persistence documented.	Unable to verify
Deployment & Data Residencymogoplus.ai: Google Cloud Marketplace, bring-your-own-data, and modular cloud deployment; explicit residency options not documented.	Partial
Prebuilt Agents / Templates / Packsmogoplus.ai: prebuilt lending products GoCat for categorisation, GoVerify for income verification, GoLend for affordability, GoSwitch for account switching, and a Mortgage Stress Predictor.	Full
Triggers & Channel Coveragemogoplus.ai: real-time, API and event-driven decisioning on application submission; no broad trigger or channel system documented.	Partial
Model Flexibility & RoutingProprietary models power decisioning; no user-facing model choice or routing documented.	Unable to verify
APIs / SDKs / MCP Extensibilitymogoplus.ai: full API and SDK support with one-API integration and Insights-as-a-Service for embedding into lender systems.	Full
Testing, Debugging & Optimizationmogoplus.ai: a sandbox to run categorisation and affordability analysis against test data, plus continuous model improvement as more applications are processed.	Partial
Browser / Computer-useNo browser or computer-use capability documented.	Unable to verify

Recent platform changes

No recent material changes tracked yet.

View all changes for MOGOPLUS →

Pricing

Pay-per-call usage-based; free trial with sandbox

Contact onlyHigh variable costTrial available

Variable cost rationale

Cost scales directly with call volume under pay-per-call pricing; there are no fixed platform fees, so spend tracks usage.

Sales call required

Mixed (some tiers require a call)

Free / trial

Free trial with sandbox, no credit card

Verified 2026-07-10

Data confidence: medium