specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Capital One
providerId: capital-one
created: '2026-05-04'
# Provenance stamped 2026-08-11: this artifact was written by the API Evangelist
# bulk sweep dated 2026-05-04, not harvested from the provider. See roadmap#35.
method: generated
modified: '2026-05-05'
reconciled: false
tags:
  - FinOps
  - FOCUS
  - Banking
  - Financial Services
  - DevExchange
description: 'FOCUS-aligned FinOps for Capital One DevExchange: partner-negotiated banking APIs billed
  through bilateral agreements rather than self-service usage tariffs.'
notes: Capital One does not publish a public API pricing or billing surface. Treat all billing as opaque
  partner-contract terms; reconcile against partnership invoice line items when available.
sources:
  - https://developer.capitalone.com/
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: Capital One Services, LLC
serviceCategory: Banking API
billingModel:
  pricingCategory: Custom Partner Agreement
  billingFrequency: Per-Invoice
  billingCurrency: USD
  chargeCategories:
    - Purchase
    - Usage
    - Adjustment
focusColumns:
  ServiceName: Capital One DevExchange
  ServiceCategory: Banking API
  ProviderName: Capital One
  PublisherName: Capital One Services, LLC
  InvoiceIssuerName: Capital One Services, LLC
  BillingCurrency: USD
meters:
  - name: api_requests
    unit: request
    aggregation: sum
    dimensions:
      - api
      - partner
  - name: contract_fee
    unit: month
    aggregation: sum
    dimensions:
      - partner
      - product
principles:
  - name: Visibility
    description: Visibility into request counts is provided through the partner DevExchange dashboard
      or bilateral reporting; no public usage API.
  - name: Allocation
    description: Allocation is by client_id (partner OAuth credential); for multi-product partners, tag
      requests with internal correlation IDs upstream.
  - name: Optimization
    description: Optimize by batching authorizations, caching reference data (e.g. credit offers), and
      negotiating volume terms at renewal.
  - name: Accountability
    description: Partnership owner holds the budget; quarterly business reviews with Capital One are typical.
maintainers:
  - FN: Kin Lane
    email: info@apievangelist.com