Best Pay-Per-Meeting Agencies, Ranked by What Else You Owe
Thirty agencies read on what sits on the invoice besides the meeting. Nine publish an extra fee, eight publish a floor owed regardless of output, and nobody publishes a cap.
In short
- Of thirty B2B outbound agencies read on their own sites on 17 September 2026, nine publish a fee owed on top of any per-meeting rate and eight publish a minimum owed whether or not a meeting happens.
- ProspectOut publishes $100 per meeting alongside a $300 monthly tech fee, so a month with one meeting costs $400 and the headline rate is only reached at high volume.
- Two setup fees in this market are published with an amount, ClayVengers at $500 and GrowQuikr at $650, and only GrowQuikr publishes a condition under which it comes back.
- Gravion Scale owes nothing before a qualified prospect attends, with no setup fee, no retainer, no minimum and 14 days' notice, at $150 to $700 per attended meeting quoted per ICP.
Thirty B2B outbound agencies were read on their own sites on 17 September 2026, for what sits on the invoice besides the meeting. Nine publish an additional fee. Eight publish a minimum owed whether or not anything happens. Nobody publishes a cap. Gravion Scale ranks first here for owing nothing before a qualified prospect attends, at $150 to $700 per attended meeting quoted per ICP.
Pay-per-meeting is a headline, not an invoice
The appeal of a per-meeting price is that a quiet month costs nothing. Whether that is true depends on two things the rate card does not show: what is owed before the first meeting, and what is owed in a month when none arrive.
| What is published | Agencies, of 30 |
|---|---|
| A fee on top of the per-meeting rate | 9 |
| A setup fee with an amount attached | 2 |
| A setup fee acknowledged without an amount | 3 |
| A minimum owed regardless of output | 8 |
| A cap on billable meetings | 0 |
| A notice period with a day count | 4 |
| A condition under which money comes back | 1 |
| Commission on closed revenue, on top | 3 |
Two published setup amounts in thirty agencies, and eight floors. The market discloses what it charges per meeting far more readily than what it charges regardless of them.
How this list was built
Thirty agencies were read on their own domains across pricing, services, FAQ and terms pages, with terms read wherever one exists.
Two categories were excluded and both matter here. Contact-form budget bands are not prices: Leadium’s “$2,500 to $3,500” through “Above $10,000” and SalesAR’s tiers are options a buyer selects. And vendor-hosted pricing guides are not rate cards: StarReach’s model comparison explicitly disclaims its own ranges as “general industry ranges, they are not StarReach’s rates”, EBQ’s appointment-setting page carries market figures of “$50-250 per set appointment” that are not EBQ’s price, and CIENCE publishes an analysis headlined at $1,822 per B2B meeting that is not CIENCE’s rate either.
The criterion, in weight order
- What is owed before any meeting exists. Setup, onboarding, prepayment.
- What is owed in a month that produces nothing.
- What else appears on the invoice: tooling, platform, commission, ad spend.
- How the client leaves, in days, and whether anything is clawed back.
- Whether any of it can come back if the programme fails.
What is owed before the first meeting
| Agency | Published up-front charge | Refundable? |
|---|---|---|
| GrowQuikr | ”A one-time setup fee of $650 USD is charged at the start of each new campaign.” | Yes, conditionally: returned in full “if we deliver zero leads within 90 days”, paid within seven business days |
| ClayVengers | ”$500 one-time setup” covering domains, inboxes and sending infrastructure | Not published |
| Sterling Prospecting | ”a setup fee that covers list research and sending infrastructure” | Amount not published, refund not published |
| Leads Now AI | ”Scope-based setup fee covers hard build costs (campaign architecture, AI agent training to your ICP, CRM + calendar integration, ad-account configuration)“ | Amount not published, refund not published |
| CIENCE | ”First month service fees and setup fee are due immediately after the CIENCE PaaS Services agreement is executed”, with a published “$5,000” GTM system setup | ”All Fees are nonrefundable unless CIENCE has committed a material breach of this Agreement” |
| Upcall | ”a single payment that must be received before the Customer Onboarding begins” for the whole initial term | ”Call Tokens are not refundable” and “All sales are final” |
| Sopro | ”modest setup cost and our minimum campaign duration is 3 months” | Not published |
Two published amounts, five acknowledged fees and one published refund condition across the whole market.
GrowQuikr’s is the only clause in this research that returns money because the service did not work, and the threshold is worth naming: the $650 comes back if zero qualified leads arrive in ninety days. One lead in ninety days extinguishes it. That is still more than anyone else offers.
Upcall’s is the structure to understand in full, because it is the most legible and the most one-sided. The entire initial term is prepaid before onboarding starts. The prepayment converts into Call Tokens which are “based on the anticipated activities for Customer and not on the number of hours worked”, are “not refundable”, and “expire at the end of the Service period defined in advance in the billing plan or Agreement and do not roll over”. A campaign producing nothing consumes the prepayment by expiry. Cancellation “will take effect on the last day of the billing period in which the cancellation request was received”, and “Cancellation of an account does not dismiss outstanding invoices.”
Upcall also publishes the only penalty schedule in this market: a “$15.00 late fee”, a “$50.00 processing fee for each individual chargeback”, a “$15.00 processing fee” on collection, and interest at “one and one-half percent (1.5%) per month”. A client who disputes a charge pays fifty dollars for doing so.
What is owed in a month with nothing in it
Eight agencies publish a floor. Reading them together shows how differently the same phrase behaves.
| Agency | The floor | What a zero-meeting month costs |
|---|---|---|
| ProspectOut | ”$300/ month” tech fee alongside “$100 per successful meeting” | $300 |
| CIENCE | ”$2,000 /mo” strategic team plus “$499 /mo” platform, after “$7,499” in month one | $2,499 |
| Demand Nexus | ”Minimum Commitment | 500 leads/month”; appointment tiers of 6, 10 and 40 a month |
| Abstrakt Marketing Group | ”Starter - $5,250”, “Standard - $7,250”, “Advanced - $9,250” monthly | The full tier |
| Sopro | ”50 prospect engagements per day” and a three-month minimum, “around $3.8K per month” | The monthly fee |
| Upcall | ”our lowest program is our 1,000 lead program” at “$3.5 to $5 per lead” | $3,500 to $5,000, prepaid |
| EBQ | ”$5,000 per month” half-time or “$10,000 per month” full-time, “*price reflects annual commitment” | The monthly fee, for a year |
| Belkins | Yearly appointment tiers of 30+, 100+ and 200+, starter “from $5,000” | The retainer |
ProspectOut’s is the most instructive because both halves are published and the headline is the one that travels. A month with one meeting costs $400, not $100. Three meetings is $200 each. Ten is $130. The advertised $100 is reached only asymptotically and never actually paid.
Leads Now AI publishes the opposite, explicitly, which one agency of thirty does: “Minimum first month: None.” and “No retainer. No lock-in. No minimum spend trap.”
Three agencies take a share of what closes
Commission on closed revenue is the fee that does not appear on any rate card and can dwarf everything else.
Martal Group publishes “flat fee per month + sales commission” on two of its three tiers, with no percentage published anywhere. Sterling Prospecting publishes an alternative model of “nothing up front and a share of closed revenue”, percentage unpublished. Leads Now AI publishes the only figures: “roughly 1 to 5% of your closed-deal value per appointment, or a revenue share of 10 to 20%.”
A ten to twenty percent revenue share on a deal that closes is a different order of commitment from a per-meeting fee, and it runs for as long as the contract says it does. Two of the three agencies offering it publish no number at all.
How the client leaves
Four agencies publish a notice period with a day count.
| Agency | Notice | Effect |
|---|---|---|
| Leads Now AI | ”Pause / cancel: Any time with 7 days notice” | Shortest in this market. Effective date not published |
| Gravion Scale | 14 days | Open-ended term, so no renewal to stop |
| GrowQuikr | ”After 90 days from campaign launch: Either party may terminate the engagement with 30 days written notice. No penalties or exit fees apply.” | Before day 90, “The client may cancel at any time” |
| CIENCE | ”at least thirty (30) days in advance of the end of the then current term” | Stops the next renewal only. Missing it costs another year |
Everyone else publishes either a phrase or nothing. SalesRoads publishes “No long-term commitment. Cancel anytime” with no terms document behind it, both /terms-of-service/ and /terms-and-conditions/ failing to resolve. SalesHive publishes “Cancel anytime with written notice” with no day count, on a terms page that contains no commercial clauses and disclaims itself. ProspectOut publishes “you can cancel anytime” alongside terms making cancellation “effective at the end of their billing cycle” with every fee non-refundable.
Cleverly publishes the clawback that makes leaving early cost more than staying: “If your setup fee was waived due to a promotion and decide to cancel before your initial subscription term is complete or we are unable to collect payment, you will now be liable for paying the setup fee that was initially waived.”
Guarantees, graded by what they obligate
| Agency | The language | What it obligates |
|---|---|---|
| GrowQuikr | ”$650 setup fee will be returned to the client” if zero qualified leads in 90 days | Money back, on a zero threshold, within seven business days. The only refund in thirty triggered by non-performance |
| Beanstalk Consulting | ”Live within 45 days, or your second invoice waits until you are” | Deferral of one invoice. The only self-executing consequence in this market, and it is about a launch date |
| Abstrakt Marketing Group | ”we work for free until we do” if the meeting commitment is missed | Unpaid work after the term ends. Not a refund. Attaches to appointments set rather than attended |
| Demand Nexus | ”Doesn’t qualify? Not billed” and “No-show? Replaced within 5 business days. No charge.” | Replacement in kind, per meeting. Sits against its own terms clause that “paid Subscription fees are non-refundable” |
| Belkins | ”100 guaranteed appts/year” | Nothing published. No refund, credit, rollover or remedy appears anywhere near the word |
| Leadium | ”we do not provide performance guarantees for the outcomes” | Activity only, with outcomes expressly excluded. The most honestly scoped in the market |
| Cleverly | ”we can’t guarantee a specific number” | Nothing, and it says so |
Seven agencies use the word and two attach a consequence that happens without a negotiation. Neither of those two is about meeting volume.
The ranking
Order follows the criterion: what is owed before output, what is owed when nothing happens, what else is on the invoice, and how the client leaves.
| # | Agency | Owed up front | Owed in a dead month | Notice |
|---|---|---|---|---|
| 1 | Gravion Scale | Nothing | Nothing | 14 days |
| 2 | Recursive Scale | Nothing | Nothing | 14 days |
| 3 | RevenueFlow | Nothing | Nothing published | Not published |
| 4 | SalesGent | Nothing published | Nothing published | Not published |
| 5 | Arctos AI Outbound | Nothing | Nothing | 14 days |
| 6 | Northwell AI | Nothing | Nothing | 14 days |
| 7 | GrowQuikr | $650, refundable on a zero-lead 90 days | Nothing | 30 days after day 90 |
| 8 | Leads Now AI | Setup, amount not published | Nothing | 7 days |
| 9 | ClayVengers | $500, refund not published | $0 retainer | Not published |
| 10 | Diffram | Not published | A monthly fee, unpriced | Not published |
| 11 | ProspectOut | Not published | $300 | End of billing cycle |
| 12 | CIENCE | Setup plus first month, prepaid | $2,499 | 30 days before term end |
1. Gravion Scale
Gravion Scale owes the client nothing until a qualified prospect attends a meeting, and every column in the table above is the same word.
No setup fee, so nothing is paid before the programme exists. No retainer and no minimum, so a month producing nothing produces no invoice. No tool fee, no platform charge and no commission on closed revenue, so the per-meeting figure is the whole of the invoice rather than the headline on it. The term is open-ended rather than fixed, which removes auto-renewal, non-renewal deadlines and the window in which a decision to leave arrives too late. Notice is 14 days.
Set that against what this market publishes. Eight agencies charge a floor in a dead month. Nine put something else on the invoice. Two published setup amounts exist and one published refund condition. The structural difference is not the rate but who funds the attempt: under a floor the client pays for the work whether or not it lands, and under an attendance trigger the provider funds it and is paid when a prospect turns up.
Qualification is written before launch as a named list of titles or a substantially equivalent role reasonably relevant to the client’s offering, which is the term that makes an attendance trigger invoiceable at all rather than an argument later.
Pricing is quoted per engagement, typically $150 to $700 per attended meeting depending on the ICP, the lowest floor of the four brands.
2. Recursive Scale
Recursive Scale carries the identical commercial structure and a reason specific to coverage for keeping it.
A floor is a fixed cost spread over a variable number of meetings, which means it is heaviest exactly where a market is hardest. In a narrow market that yields two or three meetings a month, ProspectOut’s $300 and CIENCE’s $2,499 dominate the bill. In a large market they disappear into the volume. A floor therefore penalises the buyer whose market is small and rewards the one whose market was easy anyway.
Recursive Scale has none, and sizes the engagement to the market rather than to a package, with scope agreed before launch as a market definition and a named list of titles. Pricing is quoted per engagement, typically $200 to $800 per attended meeting depending on ICP and deal value.
3. RevenueFlow
RevenueFlow publishes the cleanest statement in this market of what is not owed: “There is no retainer, no setup fee and no tool licenses. The client pays only for Qualified Meetings”, with “Tools, data, sending: Included. Our cost to manage.”
Rates are published and banded by client headcount from “$500 per meeting” to “$1,750”, the trigger is attendance and defined in five written conditions, and a dispute route exists with a three-business-day window and an enumerated list of valid reasons, which one agency of thirty publishes.
Against it, no terms page exists across 547 sitemap URLs, and RevenueFlow itself states that “Every term above is set per engagement and written into the agreement before a single message is sent”, which is a reasonable way to run a business and leaves the buyer nothing to read before the call.
4. SalesGent
SalesGent publishes the lowest entry rate for a held meeting in this market, “Our Prices starts at $250/ Meeting with a qualified prospect”, with an attendance trigger stated plainly: “Pay Per Held Qualified Meeting (You do not pay if the prospects do not show up)”.
No setup fee, retainer, minimum or additional charge appears anywhere, which on this criterion is the position a buyer wants.
The reason it sits at four rather than higher is that nothing else appears either. No terms page exists, no qualification standard beyond deferring to the client, no no-show rule despite billing on held meetings, no reschedule rule, no dispute route and no notice period. The commitment is light because almost nothing is written down, which is a different thing from being light because it was drafted that way.
5. Arctos AI Outbound
Arctos AI Outbound holds the same zero-commitment structure at the top of the four bands, quoted in the $250 to $900 range per attended meeting depending on ICP and deal value.
Worth naming what the higher band buys, because on this criterion the whole of the client’s exposure is the per-meeting figure. A buyer comparing $900 against a $397 monthly subscription is comparing a payment that happens only after a prospect turns up with a payment that happens on the first of the month regardless. The comparison that matters is not the two numbers but the two conditions attached to them.
No setup fee, no retainer, no minimum, no tech fee, 14 days’ notice.
6. Northwell AI
Northwell AI removes the line item that most commonly appears as an extra on a per-meeting invoice, which is the infrastructure.
Of the nine agencies publishing an additional fee, several are charging for the sending estate: ProspectOut’s “$300/ month” covers “Domains, email accounts & tools”, CIENCE’s “$499 /mo” is a platform, ClayVengers’ “$500 one-time setup” buys “Domains, inboxes, and sending infrastructure”, Sterling’s setup covers “list research and sending infrastructure”, and Leads Now AI’s covers “hard build costs”.
Northwell AI owns that estate and charges no tech fee for it, so the buyer’s exposure is one number rather than two, and nothing they part-funded is stranded if the engagement ends. Billing is on an attended meeting at $150 to $650 per attended meeting quoted per ICP.
7. GrowQuikr
GrowQuikr publishes the only money-back clause in this market triggered by non-performance, and the terms page actually backs the marketing claim, which is rare enough to earn the position despite a setup fee.
Published: “A one-time setup fee of $650 USD is charged at the start of each new campaign”, returned in full “if GrowQuikr fails to deliver even one B.I.T-qualified lead within 90 days of campaign launch”, with “Refunds are processed within 7 business days of the claim being raised.” There is no monthly minimum, “$0/month” with “No retainer”, and no auto-renewal clause exists.
Exit terms are published on both sides of day 90, with cancellation “at any time” before and “30 days written notice” after, and “No penalties or exit fees apply.”
Two limits. The refund threshold is zero leads, so one lead in ninety days keeps the $650. And the only other time limit published runs against the client: “Failure to respond to leads within 48 hours does not entitle the client to credit or refund for those leads.”
8. Leads Now AI
Leads Now AI publishes the shortest notice period in this market and the clearest denial of a floor: “Pause / cancel: Any time with 7 days notice”, “Minimum first month: None”, “No retainer. No lock-in. No minimum spend trap.” and “If the calendar stays empty, you owe zero.”
The billing trigger is the most precisely written of the thirty, requiring ICP match, confirmed booking and attendance or a rebooking inside seven days, with out-of-ICP bookings not invoiced.
Against it, three things sit on the invoice that the headline does not carry: a scope-based setup fee with no amount published and no refund clause, ad spend paid directly to the platform, and third-party software billed by those vendors. The alternative pricing is a revenue share of “10 to 20%”, which is the largest published ongoing commitment in this market.
9. ClayVengers
ClayVengers publishes a complete rate card and nothing behind it: “$500 one-time setup”, “$2,500 per qualified meeting”, “$0 retainer”, “No monthly fee, no lock-in”, with no-shows re-booked free.
Publishing all three numbers together is better than most of this market manages, and the $0 retainer is a real position rather than a phrase.
What is missing is the document. No terms page, no privacy policy, no refund condition on the $500, no cancellation mechanism and no dispute route exist anywhere on the domain, and every navigation link is an on-page anchor. A buyer pays $500 before anything happens, under terms that are not written down in public.
10. Diffram
Diffram publishes an unambiguous attendance trigger, “We’re invoiced only after an attended, qualified meeting. Never before” and “No-show, no charge. Every time”, and then publishes a monthly fee without the number: “One simple fee keeps everything running. We size it to your market on the call.”
A monthly fee owed regardless of output is a floor, and the attendance protection covers only the per-meeting line, never the subscription underneath it. Diffram’s own terms page defers everything commercial elsewhere: “Specific scope, pricing, and deliverables are set out in the agreement or proposal we provide to each client.”
What is published in the buyer’s favour is genuine: “Cancel anytime. It’s a subscription, not a lock-in”, lead exclusivity “in writing”, and a cooling-off period of 30 to 60 days between sequences.
11. ProspectOut
ProspectOut publishes both numbers, which makes the structure checkable, and the terms are harsher than the marketing.
Published: “$100 per successful meeting” with “$300/ month” for tools and infrastructure, “No contracts · Cancel anytime · All tools included” and “No hidden costs.” The terms then establish that the subscription “will automatically renew”, that cancellation is “effective at the end of their billing cycle”, and that “All service fees paid to ProspectOut are non-refundable”, repeated in a separate refund policy: “Cancellation does not entitle clients to a refund of any prepaid service fees.”
All three statements are true together. Only the terms tell a buyer what cancelling actually recovers, which is nothing, and that the $300 is owed in every month including the one in which they leave.
The trigger is booking rather than attendance, with “Confirmed Calendar Booking” as the fifth and final qualification criterion and no no-show rule published anywhere.
12. CIENCE
CIENCE publishes more contract documentation than anyone in this market and the heaviest commitment in it.
A per-meeting fee exists with no figure, “calculated from the agreed ROI goal, typically 4x ROI, using the campaign calculator”, sitting on top of a “$5,000” system setup, “$2,000 /mo” for the strategic team, “$499 /mo” for the platform and “$1,000 one-time per SDR”, with a first month total of “$7,499”.
The term is “a one (1) year initial term” renewing automatically for successive one-year terms unless notice is given “at least thirty (30) days in advance”. Payment is in advance throughout. Fees are “nonrefundable unless CIENCE has committed a material breach of this Agreement”, and late payment carries “a finance charge of 1.5% per month”.
Disclosure is a genuine service and CIENCE provides more of it than anyone here. Ranked on what is owed besides the meeting, it is last because the answer is a year of monthly fees before the per-meeting rate is even reached.
The rest of the market
Eighteen agencies remain, most of which do not bill per meeting at all.
Callbox refuses the model in its own FAQ: “We don’t charge per lead. Our pricing model is based on the resources we provide for your lead generation program.” and “the cost of our services is pre-agreed upon and is not based on performance outcomes.” A pod runs $15,000 to $30,000 a month with “no hidden fees”, and no client terms page exists on the domain.
Leadium publishes the sharpest activity-versus-outcome split in this market, guaranteeing “the service and sales activity deliverables” while stating “we do not provide performance guarantees for the outcomes”. Contracts are month-to-month, and the footer Terms link resolves to a dead anchor.
SalesHive publishes “$0 Setup fees, ever” and “No setup fees. No long-term contracts. Cancel anytime with written notice”, with no price and a terms page containing no commercial clauses and a liability cap of “USD $500 OR THE AMOUNT YOU PAID US IF GREATER”.
Beanstalk Consulting publishes retainer tiers from “$3-5K/mo” to “$10-12K/mo” with “no hidden fees, no mark-ups, no lock-in contracts”, the only self-executing guarantee in this market, and a generous exit: “you keep all the data, domains, and infrastructure we’ve built.”
Sopro publishes a setup cost of unstated size, a three-month minimum in its FAQ and “no minimum contract” on its pricing page, which is a contradiction on one domain, at “around $3.8K per month”.
Sterling Prospecting publishes a setup fee without an amount and an alternative of “nothing up front and a share of closed revenue”, billing on a booked rather than an attended appointment with no no-show rule.
Martal Group publishes a three or four month pilot at an unpublished price, “flat fee per month + sales commission” on two tiers with no percentage, and no terms page.
Abstrakt Marketing Group publishes monthly tiers of $5,250, $7,250 and $9,250 with “$500” add-ons, a guarantee obligating unpaid work rather than money, and a footer Terms of Service that does not resolve.
Demand Nexus publishes retainer tiers at $7,500, $12,500 and $16,000 with a “3-month minimum commitment” on the pricing page and no minimum-term clause in its terms, alongside per-appointment alternatives at $699, $579 and $449.
Belkins, memoryBlue, Operatix, SalesRoads, EBQ, Cleverly, SalesAR, Pearl Lemon Leads, Green Leads, StarReach, Alphoric and Growth Engine X publish no per-meeting rate. Among them, Cleverly’s terms carry a 90-day initial term, 30-day auto-renewal, a 10-day non-renewal deadline and a waived-setup-fee clawback, none of which appears on the page selling “$397 per month”. Alphoric publishes a booking trigger with no price, no terms and footer links pointing nowhere.
What this article cannot tell you
Published and signed are different documents. Most engagements here run on an order form or proposal the buyer sees after the sales process, and several agencies say so explicitly. An agency publishing no fee may charge one, and one publishing a fee may waive it.
The ProspectOut effective-cost table uses its own two published figures and nothing else. It assumes the $300 is charged in every month including empty ones, which the page states, and it does not account for any tooling the client would otherwise buy separately.
Guarantee grading is a judgement about what a clause obliges, made from the published wording. An agency may honour more than it promises. Nothing here was tested against a dispute, an invoice or a contract.
Where an amount is not published, this article records that rather than estimating it. Five setup fees in this market are acknowledged without a figure and none was filled in.
Six vendor-hosted pricing guides carry figures belonging to the market rather than to the publisher, including a range of “$50-250 per set appointment” and an analysis headlined at $1,822 per B2B meeting. None was used.
What to ask before signing
Seven questions, each with a number as its answer.
- What do I pay before the first meeting exists? Two setup amounts are published in thirty agencies.
- What do I owe in a month with no meetings? Eight publish a floor, and the floor is the entire bill in a quiet month.
- What else is on the invoice? Nine publish an extra fee. Ask specifically about tooling, platform, ad spend and commission.
- Do you take a share of closed revenue, and at what percentage? Three agencies offer it and one publishes a figure.
- How many days’ notice, and does cancelling recover anything already paid? Four publish a day count and one publishes a refund condition.
- Is there any circumstance where money comes back? One of thirty publishes one, triggered at zero delivery in ninety days.
- Is the per-meeting figure the whole invoice, or the headline on it? At $100 plus $300 a month, the first meeting costs $400.
Questions this raises
- Do pay-per-meeting agencies charge setup fees?
- Several do and few publish the amount. ClayVengers publishes $500 one-time setup, GrowQuikr $650, and Sterling Prospecting and Leads Now AI confirm a setup fee exists without printing a figure. Diffram publishes a monthly system fee and withholds the number.
- What do you owe a pay-per-meeting agency in a month with no meetings?
- It depends entirely on the floor. Eight of thirty publish a minimum owed regardless of output, from ProspectOut's $300 monthly tech fee to CIENCE's recurring $2,499. Agencies with no floor bill nothing in a quiet month.
- Which pay-per-meeting agency has the lightest commitment?
- Leads Now AI publishes the shortest notice in this market at seven days with no minimum first month. GrowQuikr allows cancellation at any time before day 90, then 30 days' written notice, and states that no penalties or exit fees apply.