specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
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/
provider: Green Dot Corporation
providerId: green-dot
publisherName: Green Dot Corporation
serviceCategory: Banking-as-a-Service / Embedded Finance
created: '2026-05-04'
# Provenance stamped 2026-08-11: this artifact was written by the API Evangelist
# bulk sweep dated 2026-05-04, not harvested from the provider. See roadmap#35.
method: generated
modified: '2026-05-05'
reconciled: false
tags:
  - FinOps
  - FOCUS
  - Banking-as-a-Service
  - Fintech
  - Prepaid Cards
description: 'FOCUS-aligned FinOps for Green Dot Corporation: no public price book is published for
  the Arc / BaaS APIs. Cost shape is presumed to be a partner-program contract combining program
  fees, per-account / per-card fees, transaction interchange share, and movement-of-money fees.
  Treat this document as a placeholder pending direct reconciliation with a Green Dot program
  agreement.'
notes: No public pricing or billing documentation. Reconcile against signed partner program
  agreement when available.
sources:
  - https://www.greendot.com
billingModel:
  pricingCategory: Negotiated
  billingFrequency: Monthly
  billingCurrency: USD
  chargeCategories:
    - Usage
    - Purchase
    - Adjustment
    - Refund
focusColumns:
  ServiceName: Green Dot Corporation API
  ServiceCategory: Banking-as-a-Service / Embedded Finance
  ProviderName: Green Dot Corporation
  PublisherName: Green Dot Corporation
  InvoiceIssuerName: Green Dot Corporation
  BillingCurrency: USD
  ChargeCategory: Usage
meters:
  - name: program_fee
    description: Monthly program / sponsorship fee per partner
    unit: month
    aggregation: sum
    dimensions:
      - program
  - name: active_accounts
    description: Active card accounts under the program
    unit: account
    aggregation: max
    dimensions:
      - program
  - name: card_transactions
    description: Card authorization and clearing transactions
    unit: transaction
    aggregation: sum
    dimensions:
      - program
      - card_brand
  - name: ach_transfers
    description: ACH / push-to-card / wire transfers initiated through the API
    unit: transaction
    aggregation: sum
    dimensions:
      - program
      - rail
  - name: api_requests
    description: API calls into Green Dot endpoints (operational metric, not directly billed)
    unit: request
    aggregation: sum
    dimensions:
      - program
      - endpoint
principles:
  - name: Visibility
    description: Track program telemetry — accounts, transactions, ACH movement — through Green
      Dot's partner reporting and reconcile against monthly program invoices.
  - name: Allocation
    description: Tag accounts / cards / transactions with consuming product / sub-program so
      program-fee and interchange splits roll up to the right business owner.
  - name: Optimization
    description: Negotiate interchange share at scale; consolidate program-fee SKUs; route
      transactions through the lower-cost rail (ACH vs card) when possible.
  - name: Accountability
    description: Designate a fintech / BaaS owner accountable for the Green Dot program contract,
      monthly reconciliation, and chargeback / dispute handling.
maintainers:
  - FN: Kin Lane
    email: kin@apievangelist.com