finops:
  model: transaction_fee
  description: >
    Coinbase Commerce operates on a pure transaction-fee model with no monthly
    subscription, no setup fees, and no integration costs. The 1% fee applies
    only to completed payment transactions and is automatically deducted from
    the settled amount. Merchants are paid the net amount after the fee is
    collected by Coinbase in the settlement currency.

  fees:
    standard_transaction:
      rate: "1%"
      applies_to: completed payments only
      collected_in: settlement currency of the transaction
      example: >
        A $100 USDC payment results in a $1 fee collected by Coinbase and
        $99 settled to the merchant wallet.

    setup_fee:
      rate: "$0"
      description: No cost to create a Coinbase Commerce merchant account.

    monthly_fee:
      rate: "$0"
      description: No recurring subscription fees.

    network_fees:
      description: >
        Blockchain network (gas) fees are paid by the customer as part of
        completing the on-chain payment transaction. These are not charged
        by Coinbase Commerce and vary by network and congestion.

  cost_comparison:
    vs_traditional_processors: >
      Standard card processors charge 2.9% + $0.30 per transaction. Coinbase
      Commerce's 1% flat fee offers significant savings for higher-value
      transactions, especially for merchants settling in stablecoins.
    vs_stripe_crypto: >
      Stripe charges 1.5% for crypto payments. Coinbase Commerce's 1% rate
      is lower with no additional flat fee per transaction.

  supported_settlement:
    legacy_charges_api:
      currencies:
        - BTC
        - ETH
        - LTC
        - BCH
        - USDC
        - DAI
      notes: Multiple cryptocurrencies accepted; merchant receives funds in the customer's payment currency unless conversion is configured.
    checkouts_api:
      currencies:
        - USDC
      networks:
        - Base
      notes: Current API focuses on USDC stablecoin payments on the Base layer-2 network for predictable settlement values.

  volume_discounts:
    available: true
    notes: High-volume merchants may negotiate custom fee structures. Contact Coinbase Commerce support for details.

  free_tier:
    available: false
    notes: >
      No free production tier. Sandbox/test environment is freely accessible
      for development and integration testing with no real transactions or costs.

  billing_transparency:
    fee_visibility: fees visible in dashboard and webhook payload
    settlement_timing: varies by blockchain confirmation times
    reconciliation: charge timeline array (legacy API) or status field (Checkouts API) enables reconciliation

  references:
    - https://help.coinbase.com/en/commerce/getting-started/fees
    - https://www.coinbase.com/commerce/faq