specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Chimoney
providerId: chimoney
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Payouts
- Disbursements
- Payments
- Fintech
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Chimoney spend. Chimoney is a transaction-priced global payouts
  platform - there is no published subscription fee for API access itself.
  Spend is dominated by (1) the value of funds you disburse, (2) per-payout fees
  that vary by rail (bank, mobile money, airtime, gift card, Chimoney wallet,
  Interledger) and destination country, and (3) FX spread on cross-currency
  payouts. Wallet-to-wallet Chimoney transfers are the cheapest path; external
  rails carry a fee. Because the platform moves real money, cost governance
  overlaps with treasury and reconciliation: funded wallet balances, per-rail
  fees, and FX all need tracking.
notes: >-
  Per-transaction rates and FX spread are not published and not reconciled here;
  confirm with Chimoney. Fees for a specific payout can be estimated at request
  time via the Info exchange-rate / conversion endpoints and transfer quotes,
  which is the practical hook for cost visibility and allocation.
sources:
- https://chimoney.io/pricing/
- https://chimoney.io/developers-api/
- https://chimoney.readme.io/reference/info
- 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: Chimoney
serviceCategory: Payments and Money Movement
billingModel:
  pricingCategory: Usage-Based
  billingFrequency: Per-Transaction
  billingCurrency: USD
  chargeCategories:
  - Usage
  - Purchase
focusColumns:
  ServiceName: Chimoney Payouts
  ServiceCategory: Payments and Money Movement
  ProviderName: Chimoney
  PublisherName: Chimoney
  InvoiceIssuerName: Chimoney
  BillingCurrency: USD
  ChargeCategory: Usage
  PricingCategory: Usage-Based
meters:
- name: payout_fee
  description: Per-payout fee charged per transaction, varying by rail and destination country.
  unit: transactions
  aggregation: sum
  dimensions:
  - subAccount
  - rail
  - country
- name: disbursed_value
  description: Face value of funds paid out to beneficiaries, drawn from the funded wallet balance.
  unit: currency
  aggregation: sum
  dimensions:
  - subAccount
  - currency
- name: fx_spread
  description: Currency-conversion spread applied on cross-currency payouts.
  unit: currency
  aggregation: sum
  dimensions:
  - sourceCurrency
  - targetCurrency
principles:
- name: Visibility
  description: Track disbursed value, per-rail payout fees, and FX spread per sub-account and destination country; reconcile against wallet funding.
- name: Allocation
  description: Use sub-accounts and transaction references to map payout costs to teams, campaigns, or customers.
- name: Optimization
  description: Prefer wallet-to-wallet Chimoney transfers where possible, batch payouts, and choose the cheapest viable rail per country; quote FX before sending.
- name: Accountability
  description: Assign owners per sub-account; review monthly disbursed value and fees against budget and funded balance.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com