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How can we help?
Search our knowledge base for how to use Thrive, what “enhanced benefits” are available to you, and answers to other questions many other businesses have asked. If you have other questions, click on the white chat icon in the bottom right corner.
Getting Started
How much does it cost to start?Thrive is free to explore. You get access to our Thrive Deals Marketplace, Journey All-in-One Vehicle Financing (coming soon), and the Pay Zero program, plus other valuable resources. Please note that for Journey All-in-One Vehicle Financing, the setup fee is waived for any tier, including basic.
If you want to upgrade, we offer tiered subscriptions starting at $13/month 0r $156/year.
Most small businesses eliminate credit card and ACH fees, reduce merchant processing costs by up to 97%, and immediately improve cash flow. Annual or monthly subscription costs become negligible, and for most merchants who adopt payments, the savings in a single month can cover subscriptions for multiple years.
How do I sign up?- Click “Join for Free” on the homepage
- Enter your email and business name
- Verify your email
- Create a password
- Start browsing deals immediately. No payment info needed unless you upgrade.
- Ready to unlock the full power of Thrive? Upgrading takes less than 5 minutes, and your input helps drive long-term change for the entire business community. This isn’t just about accessing better tools—it’s about joining the Thrive movement. When you upgrade, one section of the signup process requires you to tell your unique story and define the specific challenges you face as an under-resourced business, which fuels a powerful cycle of advocacy. Your unique reality provides the qualitative proof we need to demonstrate to our partners exactly why investing in 1099 contractors, micro and small businesses is imperative. By sharing your story, you help build a bionetwork where resources are tailored to your needs, so you don’t just survive—you Thrive.
Thrive is built for startups, the micro-business community: 1099 contractors, independent contractors, freelancers, micro-businesses (1-9 employees), and small businesses (10-19 employees). If you have more than 20 employees, you can still take advantage of all of the resources available through Thrive.
Can I use Thrive with my current business services?Yes. Thrive integrates alongside what you’re already using. We don’t force you to switch banks or abandon tools you love. We complement your current setup.
Enhanced Benefits Explained
What's included in the "Thrive Deals Marketplace"?A minimum of 500+ deals on software, SaaS platforms, courses, business tools, products, and services sourced from businesses like you, priced for business like you.
Categories include:
- Productivity tools (project management, time tracking, invoicing)
- Marketing (email, social scheduling, design tools)
- Learning (courses, certifications, books)
- Financial (accounting, tax, payroll software)
- Web & E-commerce (website builders, shopping carts, payment processors)
- Direct-to-consumer retail products
- Health and wellness products and services
- Other
Most Thrive subscribers can save anywhere from $500 to $5,000/year on software alone.
How does Pay $0 on all credit card transactions work?Pay $0 on all credit card transactions is a unique merchant processing program from our merchant processing partner, Sidglo. Instead of paying 2.7% + $0.10 per transaction (industry average) on every transaction, you keep 100% of every credit card or ACH payment and save up to 97% on total processing costs and immediately improve cash flow.
Even if you don’t upgrade to a paid tier, you can add Pay Zero to your business and start saving on credit card and ACH fees today.
How do I access Grow Beyond Borders (premium) at the discounted rate?The discounted access code for Grow Beyond Borders (premium) can be unlocked with your Thrive points. This AI-powered tool is specifically designed to help you explore export opportunities, find verified international partners (distributors, customers, agents), and assess market risks. Want discounted access to Grow Beyond Borders premium subscription? Build your Thrive points wallet, and use your Thrive Points to unlock this code.
Pricing & Subscriptions
What's the difference between tiers?- Free Thrive Deals Marketplace and Thrive Deals Mashup access, Grow Beyond Borders (free), PayZero (setup fee waived). Click here
- Micro: $17.99/month | PayZero, partner networks, learning library. Click here
- Small Business: $20.99/month | All the products and services from the Micro Business subscription + AI tools. Click here
- Certified +: $125/year| For businesses that already have been certified by a 3rd party certifying agency or organization. All the products and services from the small business subscription. Click here
Yes. Your subscription changes on your next billing date. If you upgrade mid-cycle, you’ll only be charged the difference. If you downgrade, we’ll prorate your refund.
Is there a yearly discount?Yes. Annual subscriptions are typically 15-20% cheaper than monthly. We also run occasional promotions for other products or services.
Can I save money?Pay Zero merchants keep 100% of every credit card or ACH payment and save up to 97% on total processing costs. The savings in a single month can cover their annual subscription for multiple years. Add the additional savings and resources, and your ROI compounds.
Pay Zero on All Credit Card Transactions
How do Learn more about Pay Zero?- Sign up for the basic subscription; it’s free.
- Complete the launchpad process, learn how to navigate through the system, and rack up your points.
- Use your accumulated Thrive Points to unlock your link to our merchant processing partner and complete the form.
- Our merchant processing partner contacts you directly to discuss setup requirements and benefits.
- Start or continue to accept payments as normal.
Credit cards (Visa, Mastercard, Amex, Discover), debit cards, and ACH transfers. If you want to use other forms of digital payments, you can discuss your needs with Sidglo the creater of Pay Zero directly.
How Thrive Can Help You Grow Your Business
How can Thrive help me grow my bottom line?Three ways:
- Help you reduce your operating costs: Lower merchant processing fees, discounts on business tools, discounts on partner products or services.
- Gain access to curated resources: alternative capital sources, AI tools for micro and small businesses, learning modules, books, blogs, videos, courses, and webinars.
- Expand your market share: list a product or service on Thrive Deals and expand your network of potential customers. Do business with more small-business decision-makers like yourself. Engage with the Grow Beyond Borders network and expand internationally.
Yes, there are a variety of ways Thrive can help you identify new customers. Please see below:
- Thrive Deals or Thrive Deals Mashup: Market one of your products or services on Thrive Deals, share your personal referral link with your network, or share your personal referral link on social media.
- Research how your products or services complement other Thrive Deals, and collaborate to offer mutually beneficial mashup deals with other small businesses. Be creative!
- Grow Internationally: Grow Beyond Borders connects you with international businesses that may be interested in partnering, buying your products, or helping you source some of your existing products or services.
Thrive Deals Marketplace and Thrive Deals Mashup provides business owners with access to curated products and services designed to drive value or foster new connections. This isn’t a marketing platform like Facebook marketplace, Instagram, Shopify or TikTok for business —it’s a curated resource of tools, products, and services tailored specifically for small business owners like you. Each deal card links to a single product or service deal at a time. Once someone becomes your customer, you can share all kinds of materials with them.
Is there mentoring or coaching available?While Thrive doesn’t directly offer mentoring or coaching, we connect you with a supportive community of small business advisors, consultants, professionals, and small business resource organizations (SBROs) who can assist you on your journey. You’ll also gain access to webinars, videos, courses, podcasts, and other resources, as well as opportunities to connect with a variety of experienced entrepreneurs.
Partnerships & Integrations
How do partnerships work?We partner with organizations committed to delivering real value to 1099 contractors, micro-businesses, and small businesses. Thrive partners must be interested in providing affordable, customized pricing to serve the needs of the micro and small business community.
Can Pay Zero integrate with my current software?The Pay Zero payment gateway integrates with a variety of platforms, including Shopify, QuickBooks, WooCommerce, and others. For integration information, once you log in, please visit the EBS page and connect to unlock that feature, then discuss it with Pay Zero.
How do you choose partners?We evaluate partnerships on three criteria:
- Does it solve a real problem for 1099 contractors, micro-businesses, and small business owners?
- Is the pricing reasonable for 1099 contractors, micro-businesses, and small businesses?
- Is the company aligned with our mission?
We actively say “no” to partnerships that don’t meet these three basic criteria. Keeping Thrive curated, focused, and priced for the micro- and small-business community is a priority.
Account & Technical
Is my data secure?Yes. We use enterprise-grade encryption, comply with GDPR and relevant data protection laws.
How do I cancel?You can cancel at any time in your account settings. No penalty, no hidden fees. If you cancel mid-cycle, we’ll prorate your refund.
What support do I get?Email support Monday-Friday during business hours, and our knowledge base is available 24/7. Additional support will expand as needed.
Can I use Thrive on mobile devices?Yes. Our website is fully responsive, and we plan to launch a mobile app in 2026 that will complement the desktop version.