specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Culqi
providerId: culqi
created: '2026-07-17'
modified: '2026-07-17'
reconciled: false
tags:
- Payments
- Payment Gateway
- FinTech
- Peru
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Culqi as a payment-acceptance cost. Culqi does not bill for
  API calls; cost is the per-transaction merchant discount rate (comision)
  deducted from each successful payment, quoted in PEN plus IGV (18% VAT), and
  varying by method (card national/international, Yape, PagoEfectivo) with a
  fixed minimum on small tickets. This is a cost-of-funds / payment-processing
  spend category rather than a metered-API compute spend.
notes: >-
  Rates are subject to negotiation and change; verify against the Culqi
  pricing page during reconciliation. Because commissions are deducted at
  settlement, reconcile gross charges against net settlement transfers
  (abonos) via the Transfers API to attribute true processing cost.
sources:
- https://culqi.com/precios/
- https://docs.culqi.com/
- 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: Culqi
serviceCategory: Payment Processing
billingModel:
  pricingCategory: Usage-Based
  billingFrequency: Per-Transaction
  billingCurrency: PEN
  chargeCategories:
  - Usage
  - Tax
  - Adjustment
focusColumns:
  ServiceName: Culqi Payments
  ServiceCategory: Payment Processing
  ProviderName: Culqi
  PublisherName: Culqi
  InvoiceIssuerName: Culqi
  BillingCurrency: PEN
  ChargeCategory: Usage
  PricingCategory: Usage-Based
meters:
- name: card_transaction_commission
  description: Percentage discount rate on card charges (national vs international), plus a fixed USD per-transaction fee online, plus IGV.
  unit: transaction
  aggregation: sum
  dimensions:
  - merchant
  - card_origin
  - channel
- name: yape_transaction_commission
  description: Percentage discount rate on Yape payments accepted via Culqi, plus IGV.
  unit: transaction
  aggregation: sum
  dimensions:
  - merchant
- name: pagoefectivo_transaction_commission
  description: Percentage discount rate on PagoEfectivo / cash-agent payments, with a fixed minimum on small tickets, plus IGV.
  unit: transaction
  aggregation: sum
  dimensions:
  - merchant
- name: igv_tax
  description: Peruvian IGV (18% VAT) applied on top of the commission.
  unit: transaction
  aggregation: sum
  dimensions:
  - merchant
- name: refunded_amount
  description: Amounts refunded (devoluciones); reduces net settlement.
  unit: currency_minor_unit
  aggregation: sum
  dimensions:
  - merchant
principles:
- name: Visibility
  description: Reconcile gross charges against net settlement transfers (abonos) to see true processing cost per payment method.
- name: Allocation
  description: Tag charges with metadata (order/team/campaign) to attribute processing cost to internal cost centers.
- name: Optimization
  description: Steer customers toward lower-commission methods where viable; avoid small-ticket PagoEfectivo transactions that hit the fixed S/3.50 minimum; negotiate volume rates.
- name: Accountability
  description: Assign an owner to payment-cost review; monitor commission-as-percent-of-revenue monthly against target.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com