specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Conekta
providerId: conekta
created: '2026-05-24'
modified: '2026-05-24'
reconciled: true
tags:
  - FinOps
  - Cost Management
  - FOCUS
  - Payments
  - Mexico
description: 'FOCUS-aligned FinOps for Conekta: pay-per-successful-charge take rates billed in MXN.
  No setup or monthly platform fees; cost is driven entirely by payment method mix (cards, OXXO cash,
  SPEI, BNPL, MSI).'
sources:
  - https://www.conekta.com/precios
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: Grupo Conektame, S.A. de C.V.
serviceCategory: Payments
billingModel:
  pricingCategory: Take Rate
  billingFrequency: Continuous Settlement
  billingCurrency: MXN
  chargeCategories:
    - Usage
    - Adjustment
    - Refund
    - Tax
focusColumns:
  ServiceName: Conekta
  ServiceCategory: Payments
  ProviderName: Conekta
  PublisherName: Grupo Conektame, S.A. de C.V.
  InvoiceIssuerName: Grupo Conektame, S.A. de C.V.
  BillingCurrency: MXN
meters:
  - name: card_transactions
    unit: transaction
    aggregation: sum
    dimensions:
      - card_brand
      - card_type
      - currency
      - country
  - name: oxxo_transactions
    unit: transaction
    aggregation: sum
    dimensions:
      - currency
  - name: spei_transactions
    unit: transaction
    aggregation: sum
    dimensions:
      - currency
  - name: bnpl_transactions
    unit: transaction
    aggregation: sum
    dimensions:
      - provider
  - name: msi_transactions
    unit: transaction
    aggregation: sum
    dimensions:
      - issuer
      - months
  - name: transaction_volume_mxn
    unit: MXN
    aggregation: sum
    dimensions:
      - payment_method
      - currency
  - name: refunds
    unit: transaction
    aggregation: sum
    dimensions:
      - payment_method
allocationKeys:
  - key: company_id
    description: Multi-entity / marketplace allocation via the Companies API and X-Child-Company-Id
      header.
  - key: order_metadata
    description: Use order/charge metadata fields to tag transactions for cost allocation across
      products, channels, or business units.
  - key: payment_method
    description: Card vs OXXO vs SPEI vs BNPL is the strongest cost driver — track method mix to model
      take rate.
policies:
  - name: Method-mix optimization
    description: OXXO at 2.6% + $3 and SPEI at flat $12.50 can be cheaper than cards (3.4% + $3) for
      mid-to-high ticket sizes. Model per-bucket cost when designing checkout.
  - name: BNPL margin awareness
    description: BNPL adds 4–6% on top of base rates; reserve for high-ticket items where conversion
      uplift exceeds the surcharge.
  - name: MSI risk
    description: Meses Sin Intereses surcharges scale with the number of months and can reach 26.5%;
      cap MSI offers to maintain unit economics.
position: Consuming