name: Iugu FinOps
description: >
  Financial operations guidance for teams integrating with the Iugu payment
  platform. Covers cost structure, fee categories, monitoring, and optimization
  strategies for Brazilian payment processing via boleto, credit card, and Pix.
url: https://www.iugu.com/planos
costCategories:
  - name: Monthly Subscription Fee
    description: >
      Recurring monthly charge for the contracted Iugu plan (Essencial,
      Essencial + Split, or Motor). Amount is negotiated at account setup.
    type: fixed
    billing: monthly

  - name: Credit Card Transaction Fee
    description: >
      Percentage fee per credit card transaction. Rate varies based on the
      number of installments and the contracted plan tier.
    type: variable (percentage per transaction)
    notes: >
      Rates increase with higher installment counts. View exact rates in the
      iugu panel at https://alia.iugu.com/ under Settings > Account Information >
      My Plan. A fee calculator is available at https://www.iugu.com/calculadora

  - name: Boleto Bancário Fee
    description: >
      Per-transaction fee for boleto bancário issuance. Negotiated based on
      plan and expected volume.
    type: variable (per transaction)
    notes: Unpaid boletos do not incur a fee in most plan configurations.

  - name: Pix Fee
    description: >
      Per-transaction fee for Pix instant payments. Brazilian PSPs typically
      charge 0.99% to 1.49% for Pix-in transactions.
    type: variable (percentage per transaction)
    estimatedRange: "0.99% - 1.49% per Pix-in transaction"

  - name: Initial Configuration Fee
    description: >
      One-time onboarding/setup fee that may apply depending on plan and
      integration complexity.
    type: one-time (if applicable)

  - name: Split Payment Fee
    description: >
      Additional fees for payment splitting across marketplace sub-accounts,
      available on the Essencial + Split and Motor plans.
    type: variable
    notes: Included as part of Essencial + Split and Motor plan subscriptions.

optimization:
  - tip: >
      Use the Iugu fee calculator (https://www.iugu.com/calculadora) to model
      costs per payment method before committing to a plan.
  - tip: >
      Pix typically has lower per-transaction fees than credit card and no
      chargeback risk — prefer Pix for eligible use cases.
  - tip: >
      High-volume merchants should negotiate the Motor plan for reduced
      per-transaction rates that improve unit economics at scale.
  - tip: >
      Monitor receivables via the /financial_transaction_requests API to
      maintain real-time visibility into expected cash flows.
  - tip: >
      Avoid unnecessary chargebacks and reversals; while iugu does not charge
      for reversals, they can affect settlement timelines.
  - tip: >
      Use sandbox (test_api_token) extensively before going live to avoid
      unnecessary test charges in production.

monitoring:
  statusPage: https://status.iugu.com/
  panel: https://alia.iugu.com/
  support: https://support.iugu.com/
  webhooks: >
    Configure webhooks (Gatilhos) in the iugu panel to receive real-time
    payment events and track successful vs. failed transactions for FinOps
    reporting.