finops:
  platform_cost:
    amount: 0
    currency: GBP
    model: Free
    notes: There is no charge to use the GOV.UK Pay API or platform. Built and operated by the Government Digital Service (GDS).
  transaction_fees:
    model: Pass-through PSP fees
    providers:
      - name: Adyen
        scope: Non-Crown card payments, local authorities, armed forces, police
        notes: Adyen is replacing Stripe as the PSP for non-Crown organisations
      - name: Stripe
        scope: Crown bodies (transitioning)
        notes: Existing Stripe users in non-Crown bodies are switching to Adyen
    fee_details: Fees are negotiated through Crown Commercial Service frameworks or directly with the PSP; not published centrally
  cost_visibility:
    settlement_data: true
    reporting_endpoints:
      - GET /v1/payments (search with settled_date filters)
      - GET /v1/refunds (search refunds)
      - GET /v1/disputes (dispute tracking)
    notes: Settlement data including capture_submit_time, captured_date, and settled_date is available via API for reconciliation
  documentation_url: https://www.payments.service.gov.uk/