specificationVersion: '1.0'
id: idanalyzer-finops
name: ID Analyzer FinOps Framework
description: >-
  FinOps cost management reference for ID Analyzer API consumption, aligned
  to the FinOps Foundation FOCUS specification. Covers cost allocation by
  API product, credit-based unit economics, optimization levers, and
  governance controls for identity verification workloads.
url: https://www.idanalyzer.com/en/pricing

provider:
  name: ID Analyzer
  legalName: Evith Technology Ltd.
  website: https://www.idanalyzer.com/en
  pricingPage: https://www.idanalyzer.com/en/pricing

costModel:
  type: subscription-plus-overage
  billingPeriod: monthly
  annualOption: true
  annualDiscount: 25%
  currency: USD
  unitOfMeasure: API credit
  description: >-
    Costs consist of a fixed monthly subscription fee that includes a bundled
    credit quota, plus per-call overage charges when the quota is exhausted.
    DocuPass sessions consume 2 credits vs 1 credit for direct API calls,
    so workload composition materially affects total cost.

skus:
  - id: plan-free
    name: Try Free Plan
    price: 0.00
    period: monthly
    includedCredits: 100
    overagePricePerCall: null
    notes: Test mode only; not for production traffic

  - id: plan-entry
    name: Entry Plan
    price: 89.00
    period: monthly
    includedCredits: 1000
    overagePricePerCall: 0.12
    effectivePricePerIncludedCredit: 0.089
    annualPrice: 801.00
    annualPriceNote: Approximately 89 * 0.75 * 12 = $801/year (25% discount)

  - id: plan-advanced
    name: Advanced Plan
    price: 350.00
    period: monthly
    includedCredits: 5000
    overagePricePerCall: 0.10
    effectivePricePerIncludedCredit: 0.070
    annualPrice: 3150.00
    annualPriceNote: Approximately 350 * 0.75 * 12 = $3,150/year (25% discount)

  - id: plan-business
    name: Business Plan
    price: 880.00
    period: monthly
    includedCredits: 15000
    overagePricePerCall: 0.08
    effectivePricePerIncludedCredit: 0.059
    annualPrice: 7920.00
    annualPriceNote: Approximately 880 * 0.75 * 12 = $7,920/year (25% discount)

  - id: plan-enterprise
    name: Enterprise (ID Fort On-Premise)
    price: null
    period: custom
    notes: Custom pricing; contact sales for on-premise deployment

unitEconomics:
  description: >-
    Cost-per-verification varies by plan tier and verification type.
    Blending DocuPass (2 credits) and direct API scans (1 credit) in a
    workload shifts the effective cost per verification upward.
  scenarios:
    - scenario: Entry — all direct scans
      verificationsPerMonth: 1000
      creditsPerVerification: 1
      planCost: 89.00
      costPerVerification: 0.089

    - scenario: Entry — all DocuPass sessions
      verificationsPerMonth: 500
      creditsPerVerification: 2
      planCost: 89.00
      costPerVerification: 0.178

    - scenario: Advanced — all direct scans
      verificationsPerMonth: 5000
      creditsPerVerification: 1
      planCost: 350.00
      costPerVerification: 0.070

    - scenario: Business — all direct scans
      verificationsPerMonth: 15000
      creditsPerVerification: 1
      planCost: 880.00
      costPerVerification: 0.059

optimization:
  strategies:
    - name: Right-size plan to volume
      description: >-
        Monitor monthly credit consumption and compare against quota.
        Overage at $0.12/call on Entry exceeds the marginal cost of
        upgrading to Advanced ($0.10/call). Upgrade when sustained
        overage exceeds the plan cost difference ($261/month).

    - name: Prefer annual billing
      description: >-
        Annual billing provides a 25% discount. Commit to an annual
        plan once volume is predictable to reduce monthly spend by
        one quarter.

    - name: Minimize DocuPass usage for high-volume flows
      description: >-
        DocuPass hosted sessions consume 2 credits vs 1 for direct
        Scanner API calls. For high-throughput, developer-controlled
        flows, prefer the Scanner API to halve credit consumption.

    - name: Monitor AML screening frequency
      description: >-
        AML/PEP screening consumes 1 credit per search. For repeated
        checks on the same individual, cache results and re-screen
        only on updated watchlist events to avoid redundant credit
        spend.

    - name: Use veryQuickScan for low-risk documents
      description: >-
        The veryQuickScan endpoint may suffice for low-risk verification
        contexts, reducing processing time and enabling higher throughput
        within the same credit budget.

governance:
  budgetAlerts:
    - threshold: 80%
      action: Alert engineering team when 80% of monthly credits are consumed
    - threshold: 100%
      action: >-
        Review overage charges; consider plan upgrade if overage is
        recurring across two consecutive months

  allocation:
    - dimension: API product
      description: >-
        Tag transactions by product (Scanner, Biometric, AML, DocuPass,
        Vault) using webhook metadata and Transaction Vault records to
        attribute credit spend by service line.

    - dimension: Environment
      description: >-
        Separate API keys for production and development/staging
        environments. Free plan keys should be used for all
        non-production testing to avoid consuming paid credits.

  complianceNotes:
    - >-
        EU endpoint (api2-eu.idanalyzer.com) must be used for
        workloads processing EU resident data to maintain GDPR
        data residency. This may affect latency and should be
        factored into SLA planning.
    - >-
        Transaction Vault storage limits per plan; purge verification
        records per GDPR retention policies to remain within storage
        quotas without additional cost.