specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: HyperPay
providerId: hyperpay
created: '2026-07-17'
modified: '2026-07-17'
reconciled: false
tags:
- Payments
- Payment Gateway
- MENA
- Saudi Arabia
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of HyperPay merchant costs. Unlike usage-metered API vendors,
  HyperPay's cost model is payment-processing economics: a fixed setup fee, a
  recurring monthly gateway fee, and per-transaction fees that vary by payment
  method (cards vs. the domestic mada scheme), plus separate acquiring-bank
  fees. Costs scale with transaction count and volume (GMV) and settle in SAR.
notes: >-
  Fee amounts are quote-based and not publicly published by HyperPay; the meters
  below describe the cost structure, not confirmed rates. reconciled:false.
sources:
- https://www.hyperpay.com/
- https://www.hyperpay.com/contact-us/
- 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: HyperPay
serviceCategory: Payment Processing
billingModel:
  pricingCategory: Transaction-Based
  billingFrequency: Monthly
  billingCurrency: SAR
  chargeCategories:
  - Usage
  - Purchase
focusColumns:
  ServiceName: HyperPay Payment Gateway
  ServiceCategory: Payment Processing
  ProviderName: HyperPay
  PublisherName: HyperPay
  InvoiceIssuerName: HyperPay
  BillingCurrency: SAR
  ChargeCategory: Usage
  PricingCategory: Transaction-Based
meters:
- name: setup_fee
  description: One-time onboarding / setup fee charged when the merchant channel is provisioned.
  unit: account
  aggregation: sum
  dimensions:
  - merchant
- name: monthly_gateway_fee
  description: Recurring monthly gateway subscription fee.
  unit: months
  aggregation: sum
  dimensions:
  - merchant
- name: card_transaction_fee
  description: Percentage-plus-fixed fee per card transaction (VISA / MASTER / AMEX).
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
  - paymentBrand
- name: mada_transaction_fee
  description: Percentage-plus-fixed fee per mada domestic-scheme transaction (typically lower than cards).
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
  - paymentBrand
- name: refund_chargeback_fees
  description: Fees associated with refunds, chargebacks, and reversals via the back-office API.
  unit: events
  aggregation: sum
  dimensions:
  - merchant
principles:
- name: Visibility
  description: Reconcile HyperPay settlement reports and the Query API against internal order data per payment brand.
- name: Allocation
  description: Tag transactions by merchant channel (entityId) and payment brand to attribute processing cost per product/store.
- name: Optimization
  description: Route eligible domestic volume through mada (lower fees than international cards); negotiate blended rates as GMV grows.
- name: Accountability
  description: Assign an owner for gateway spend; review monthly gateway + per-transaction + acquiring-bank fees against GMV.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com