specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Geidea
providerId: geidea
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Payments
- Payment Gateway
- MENA
- Cards
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Geidea Payment Gateway spend. Unlike a metered developer API,
  Geidea's cost model is transactional acquiring: the merchant pays a per-transaction
  Merchant Discount Rate (MDR), plus any fixed per-transaction and settlement fees,
  on payments processed through Checkout, the Direct API, Pay by Link, and Pay by
  Invoice. Rates are negotiated per merchant and vary by volume, region (KSA, Egypt,
  UAE), card scheme (mada, Visa, Mastercard), and payment method (cards, wallets,
  Meeza QR, BNPL). There is no separate metered charge for calling the API; the unit
  of cost is the payment transaction and its value.
notes: >-
  Per-transaction rates are commercial and not reconciled here. The dominant cost
  driver is processed payment volume and mix, not API request count. Reconcile MDR,
  fixed fees, chargeback fees, and settlement timing against your Geidea merchant
  agreement.
sources:
- https://www.geidea.net/ksa/en
- https://www.geidea.net/egy/en/solutions/payments/payment-gateway
- https://docs.geidea.net/docs/overview
- 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: Geidea
serviceCategory: Payments and Financial Services
billingModel:
  pricingCategory: Usage-Based
  billingFrequency: Monthly
  billingCurrency: SAR
  chargeCategories:
  - Usage
  - Purchase
  - Adjustment
focusColumns:
  ServiceName: Geidea Payment Gateway
  ServiceCategory: Payments and Financial Services
  ProviderName: Geidea
  PublisherName: Geidea
  InvoiceIssuerName: Geidea
  BillingCurrency: SAR
  ChargeCategory: Usage
  PricingCategory: Usage-Based
meters:
- name: transaction_discount_rate
  description: Per-transaction Merchant Discount Rate charged on processed payment value.
  unit: percent_of_value
  aggregation: sum
  dimensions:
  - merchant
  - region
  - scheme
  - method
- name: fixed_transaction_fee
  description: Fixed per-transaction fee, where applicable, per successful payment.
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
  - method
- name: refund_chargeback_fee
  description: Fees associated with refunds and chargebacks, where applicable.
  unit: events
  aggregation: sum
  dimensions:
  - merchant
principles:
- name: Visibility
  description: Track processed volume, MDR, and fixed fees by region, scheme, and payment method to understand effective cost of acceptance.
- name: Allocation
  description: Tag transactions with a merchantReferenceId that maps to product line or channel so acquiring cost allocates to the right cost center.
- name: Optimization
  description: Route to lower-cost schemes and methods where possible (for example mada or Meeza QR), minimize refunds and chargebacks, and renegotiate MDR as volume grows.
- name: Accountability
  description: Reconcile the Geidea settlement statements monthly against processed transactions and expected MDR.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com