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Decision

The one-time setup fee charged by ChurchWiseAI's commercial verticals is revised:

VerticalSetup fee USDSetup fee CADMonthly USDMonthly CAD
FuneralWiseAI$745 (was $949)$995 (was $1,295)$199 (unchanged)$249 (unchanged)
VetWiseAI (placeholder)$745 (was placeholder $999)$995 (was placeholder $1,295)$199 (placeholder)$249 (placeholder)

The recurring monthly subscription is unchanged on both verticals.

Why

Three rationales informed the revision:

  1. Charm pricing thresholds. $745 sits below the $750 mental anchor; $995 sits below the $1,000 mental anchor. The previous prices ($949 / $1,295) crossed both anchors. For solo funeral-home owners and rural vet practices — the most price-sensitive segment of our earliest converters — the threshold psychology likely converts noticeably better.

  2. Setup fee is filter-for-serious, not primary revenue. LTV concentrates in the $199/mo recurring (~$2,388/yr per customer); the setup is one-time. Lowering setup by ~$200 sacrifices a few hundred in margin per close to remove signup friction, which should pay back via increased close rate.

  3. GST/HST headroom. At $995 CAD setup, ~30 CAD customers/yr fit under the $30K registration threshold, vs ~23 customers/yr at $1,295. Useful while pre-launch and not yet GST/HST-registered.

FX math

$745 USD × 1.336 (current FX) = $995.32 CAD. The pair holds an honest real-FX equivalence rounded to the nearest charm price on each side. No subsidy of one currency by the other.

Why now

No external commitments are blocked: cold-email batches for FuneralWiseAI are still held (founder confirmed 2026-05-02 — no emails sent). VetWiseAI is pre-launch (scaffolding only, no marketing). Pricing is freely revvable today; a delay would either freeze the higher price into customer-facing material or force a more disruptive revision later.

Action items

Phase A — non-Stripe data + display layer (this PR)​

  • knowledge/data/pricing.yaml — funeralwiseai_setup.usd_amount $949 → $745, cad_amount $1,295 → $995. Comment block flags that the existing live price IDs are now stale.
  • knowledge/decisions/2026-04-27-cad-pricing.md — supersede note added (setup-amount portion only).
  • knowledge/decisions/2026-05-02-vertical-setup-pricing-revision.md — this doc.
  • knowledge/acceptance/vetwiseai-vertical.md — vet placeholder pricing revised.
  • churchwiseai-web/src/lib/funeral-pricing.ts — USD.setup 949 → 745, CAD.setup 1295 → 995.
  • churchwiseai-web/src/lib/currency.ts — USD-cents-to-CAD-cents map updated.
  • churchwiseai-web/src/app/funeralwiseai/pricing/page.tsx — copy + setupUSD={745}.
  • churchwiseai-web/src/app/funeralwiseai/page.tsx — hero + features pricing copy.
  • churchwiseai-web/src/app/funeralwiseai/checkout/page.tsx — metadata description.
  • churchwiseai-web/src/app/wiseaiagency/verticals/page.tsx — funeral teaser copy.

Phase B — Stripe live mode (COMPLETED 2026-05-02 with founder authorization)​

  • Created new USD $745 price on prod_UPiJXweJzvHN1V → price_1TSlPDFaoK5IPzNo2xfDPbjZ (livemode, active)
  • Created new CAD $995 price on prod_UPiJXweJzvHN1V → price_1TSlPUFaoK5IPzNok79rADnp (livemode, active)
  • Archived old USD $949 price price_1TQssTFaoK5IPzNookD1Gzgv (active=false, livemode)
  • Archived old CAD $1,295 price price_1TQssTFaoK5IPzNoRLkcP4qk (active=false, livemode)
  • Verified via stripe prices list --product prod_UPiJXweJzvHN1V --active=true — only the two new prices remain active.
  • Updated pricing.yaml funeralwiseai_setup.usd_price_id + cad_price_id with new IDs (this PR's follow-up commit).
  • Smoke test: hit /funeralwiseai/checkout after PR merges and verify Stripe-hosted checkout shows $745 / $995. (Manual founder verification expected post-merge.)

Phase C — VetWiseAI Stripe products (separate, founder-gated, post-brand-kit)​

When VetWiseAI is ready to launch:

  • Create prod_VetWiseAI_setup and prod_VetWiseAI_monthly Stripe products.
  • Create USD setup ($745), CAD setup ($995), USD monthly ($199), CAD monthly ($249) prices.
  • Add vetwiseai_setup and vetwiseai_monthly blocks to pricing.yaml cad_prices section.
  • Mirror Phase B verification steps.

Open questions (none blocking)

None — the FX math, threshold psychology, and Stripe action items are all sound. Any remaining uncertainty around VetWiseAI's eventual price (whether it ends up matching FuneralWiseAI or differs) gets settled at vet brand-kit + go-live time.