specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: AbacatePay
providerId: abacatepay
created: '2026-06-21'
modified: '2026-06-21'
reconciled: false
tags:
- Payments
- Pix
- Brazil
- FinTech
- Developers
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of AbacatePay spend. AbacatePay bills flat per-transaction fees:
  a fixed fee per received Pix payment (and per recurring Pix installment), a
  percentage-plus-fixed fee per approved credit card transaction, a fixed fee
  per paid boleto, and a per-request withdrawal fee that steps up after the
  first 20 withdrawals each month. Generating a Pix QR Code is free; cost is
  incurred only on successful payments and on payouts. All amounts are in
  Brazilian Reais (BRL).
notes: >-
  Per-transaction rates are sourced from the public pricing page and are not
  reconciled against a live account or invoice in this artifact. Verify against
  the AbacatePay pricing page during reconciliation.
sources:
- https://www.abacatepay.com/pricing
- https://www.abacatepay.com/pix
- 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: AbacatePay
serviceCategory: Payment Processing
billingModel:
  pricingCategory: Usage-Based
  billingFrequency: Per Transaction
  billingCurrency: BRL
  chargeCategories:
  - Usage
  - Adjustment
focusColumns:
  ServiceName: AbacatePay
  ServiceCategory: Payment Processing
  ProviderName: AbacatePay
  PublisherName: AbacatePay
  InvoiceIssuerName: AbacatePay
  BillingCurrency: BRL
  ChargeCategory: Usage
  PricingCategory: Usage-Based
meters:
- name: pix_transactions
  description: Received Pix payments billed at a flat fee per successful transaction.
  unit: transactions
  aggregation: sum
  dimensions:
  - account
  - method
- name: recurring_pix_installments
  description: Paid recurring Pix installments billed at the standard flat Pix fee.
  unit: transactions
  aggregation: sum
  dimensions:
  - account
  - subscription
- name: card_transactions
  description: Approved credit card transactions billed as a percentage plus a fixed fee.
  unit: transactions
  aggregation: sum
  dimensions:
  - account
  - method
- name: boleto_transactions
  description: Paid boletos billed at a flat fee per boleto, reduced when paid via embedded Pix QR Code.
  unit: transactions
  aggregation: sum
  dimensions:
  - account
  - method
- name: withdrawals
  description: Withdrawal (payout) requests billed per request, stepping up after the first 20 per month.
  unit: transactions
  aggregation: sum
  dimensions:
  - account
  - month
principles:
- name: Visibility
  description: Reconcile billings, Pix QR Code payments, and withdrawals against the store balance (available, pending, blocked) via the API.
- name: Allocation
  description: Tag billings and withdrawals with externalId and metadata to map payment costs to internal workloads, teams, or customers.
- name: Optimization
  description: Prefer Pix over card to minimize per-transaction fees; batch payouts to stay within the cheaper first-20-withdrawals-per-month tier; steer boleto payers to the embedded Pix QR Code.
- name: Accountability
  description: Review monthly transaction-fee and withdrawal-fee totals against revenue; assign owners per payment integration.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com