specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: 2C2P
providerId: 2c2p
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Payments
- Payment Gateway
- Southeast Asia
- Cards
- E-Wallet
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of 2C2P spend. 2C2P is a merchant acquirer / payment gateway, so
  cost is not a per-API-call software fee but a per-transaction payment cost:
  typically a merchant discount rate (a percentage of transaction value) and/or
  a fixed per-transaction fee, which vary by payment method (card scheme,
  e-wallet, QR, installment, cross-border), currency, country, settlement
  terms, and the negotiated merchant agreement. Additional costs can include
  cross-border / FX and dynamic currency conversion margins, refund/chargeback
  handling, and payout/disbursement fees. There is no public self-serve rate
  card; pricing is set during commercial onboarding.
notes: >-
  Per-transaction rates are NOT reconciled here - 2C2P does not publish a fixed
  public price list, and effective rates are negotiated per merchant and per
  market. The sandbox (sandbox-pgw.2c2p.com) is free for development and
  testing. Treat the meters below as the cost dimensions to instrument, not as
  quoted prices; confirm actual rates in your 2C2P merchant agreement.
sources:
- https://www.2c2p.com
- https://developer.2c2p.com/docs
- https://focus.finops.org/focus-specification/v1-3/
alignedWith:
  framework: FinOps Foundation Framework
  frameworkUrl: https://www.finops.org/framework/
  dataSpec: FOCUS
  dataSpecVersion: '1.3'
  dataSpecUrl: https://focus.finops.org/focus-specification/v1-3/
publisherName: 2C2P
serviceCategory: Payments and Financial Services
billingModel:
  pricingCategory: Transaction-Based
  billingFrequency: Per Settlement
  billingCurrency: Multi-Currency
  chargeCategories:
  - Usage
  - Purchase
  - Adjustment
focusColumns:
  ServiceName: 2C2P Payment Gateway
  ServiceCategory: Payments and Financial Services
  ProviderName: 2C2P
  PublisherName: 2C2P
  InvoiceIssuerName: 2C2P
  BillingCurrency: Multi-Currency
  ChargeCategory: Usage
  PricingCategory: Transaction-Based
meters:
- name: transaction_value
  description: Merchant discount rate (MDR) applied as a percentage of each processed transaction's value. Rate varies by payment method, scheme, and market.
  unit: percent_of_amount
  aggregation: sum
  dimensions:
  - merchant
  - paymentMethod
  - currency
  - country
- name: per_transaction_fee
  description: Fixed fee charged per successful transaction, on top of or instead of the percentage MDR, depending on method and agreement.
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
  - paymentMethod
  - currency
- name: cross_border_fx
  description: Cross-border and FX / dynamic currency conversion margin on multi-currency and international transactions.
  unit: percent_of_amount
  aggregation: sum
  dimensions:
  - merchant
  - currency
  - country
- name: refund_chargeback
  description: Handling fees for refunds and chargebacks / disputes, where applicable per the merchant agreement.
  unit: events
  aggregation: sum
  dimensions:
  - merchant
  - type
- name: payout_disbursement
  description: Fees for payout / disbursement of funds to beneficiaries via 2C2P Payout services, where used.
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
  - currency
principles:
- name: Visibility
  description: Reconcile settlement reports (batch reconciliation services) against transaction volume per payment method, currency, and country to see effective blended cost per transaction.
- name: Allocation
  description: Tag transactions by invoiceNo / channel / brand so payment cost maps to product lines and internal cost centers.
- name: Optimization
  description: Route to lower-cost payment methods where possible (local e-wallets / QR vs. cross-border cards), minimize FX/DCC margin, and reduce refunds/chargebacks that carry handling fees.
- name: Accountability
  description: Assign an owner for the 2C2P merchant relationship; review the negotiated rate card and monthly settlement statements against budget.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com