name: BillDesk FinOps
description: Financial operations guidance for teams integrating with BillDesk payment gateway, covering cost attribution, monitoring, and optimization strategies.
url: https://www.billdesk.com/web/
cost_drivers:
  - name: Transaction Volume (TPV)
    description: Primary cost driver; fees are applied per transaction based on payment method. Higher volume may unlock lower negotiated rates.
    optimization: Negotiate volume-based rate tiers during onboarding or renewal; consolidate payment volumes across business units.
  - name: Payment Method Mix
    description: UPI and RuPay carry zero MDR; credit cards and international cards carry the highest MDR. Payment method mix directly impacts blended cost.
    optimization: Promote UPI and RuPay to end customers where feasible to reduce blended MDR. Display low-cost options prominently at checkout.
  - name: Refund Processing
    description: Refunds may incur gateway fees that are not reversed; confirm refund fee treatment in merchant agreement.
    optimization: Minimize refund rates through clear product descriptions and robust dispute resolution before chargeback.
  - name: GST on Gateway Fees
    description: 18% GST is levied on all gateway fees. GST-registered merchants may be able to claim input tax credit (ITC).
    optimization: Ensure merchant GST registration is current and gateway invoices are correctly formatted for ITC claims.
  - name: Mandate / Recurring Setup
    description: e-Mandate setup for recurring payments (UPI AutoPay, NACH) may carry a per-mandate registration fee separate from per-transaction MDR.
    optimization: Batch mandate registration where possible; review mandate conversion rates to avoid paying for failed registrations.
monitoring:
  - action: Tag API calls by product line (Neo / Ace / CX+) for cost attribution across teams
  - action: Pull daily settlement reports via the Retrieve Settlement API endpoint to reconcile costs in real time
  - action: Alert on spike in refund volume as a proxy for customer satisfaction and indirect gateway cost
  - action: Track payment method distribution monthly to monitor MDR trends
  - action: Reconcile invoice data from Create/Retrieve Invoice endpoints against bank settlement statements
governance:
  - Review merchant agreement annually and renegotiate rates based on volume growth
  - Maintain a record of all BillDesk-issued invoices for GST ITC compliance
  - Ensure PCI DSS scope is minimized by using BillDesk-hosted SDKs (Neo / Ace) to reduce compliance overhead
notes:
  - BillDesk's estimated blended take rate is approximately 0.3% of TPV
  - Settlement reports and invoice APIs provide the primary data feed for FinOps reconciliation
  - Contact: https://www.billdesk.com/web/contact for merchant-specific pricing and SLA discussions