# Provenance stamped 2026-10-07 (roadmap#943): written by an API Evangelist sweep (dated 2026-05-25 by the file itself), not
# harvested from the provider. `method: generated` so the economics campaign may replace it with a
# dated, verbatim transcription; every figure below is unverified until it does.
method: generated
generated: '2026-05-25'
name: Fintecture API FinOps
specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Fintecture
providerId: fintecture
created: '2026-05-25'
modified: '2026-05-25'
reconciled: false
tags:
  - FinOps
  - FOCUS
  - Open Banking
  - Payments
description: >-
  FOCUS-aligned FinOps definition for Fintecture's Open Banking payments
  platform. Charges are usage-based per successful payment, AIS connection,
  e-mandate, and payout, with commercial rates negotiated per merchant.
sources:
  - https://fintecture.com/tarifs
  - https://fintecture.com/
  - https://doc.fintecture.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: Fintecture
serviceCategory: Financial Services
billingModel:
  pricingCategory: Usage-Based
  billingFrequency: Monthly
  billingCurrency: EUR
  chargeCategories:
    - Usage
    - Tax
    - Credit
    - Adjustment
  primaryUnit: payment
  secondaryUnits:
    - connection
    - mandate
    - payout
    - refund
focusColumns:
  ServiceName: Fintecture Open Banking Payments
  ServiceCategory: Financial Services
  ProviderName: Fintecture
  PublisherName: Fintecture
  InvoiceIssuerName: Fintecture SAS
  PricingCategory: Usage-Based
  CommitmentDiscountType: Negotiated
  ChargeFrequency: Recurring
  BillingCurrency: EUR
costAllocation:
  tagging:
    - end_to_end_id
    - customer_id
    - application_id
    - company_id
    - organisation_node_id
  reportingViews:
    - by-payment-method
    - by-rail
    - by-application
    - by-company
    - by-organisation-node
metering:
  events:
    - name: payment_completed
      unit: payment
      category: PIS
    - name: refund_completed
      unit: refund
      category: PIS
    - name: payout_completed
      unit: payout
      category: PIS
    - name: ais_connection_active
      unit: connection
      category: AIS
    - name: emandate_signed
      unit: mandate
      category: E-Mandates
optimizationLevers:
  - lever: Negotiated per-payment fee
    note: Commercial fee tiers are negotiable on volume.
  - lever: Local Acquiring batching
    note: Local Acquiring consolidates many incoming payments into fewer outbound settlements.
  - lever: AIS frequency
    note: Cache AIS account/balance reads to stay under per-bank Berlin Group limits.