specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Juspay
providerId: juspay
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Payments
- Payment Orchestration
- Checkout
- India
- Fintech
- FinOps
- Cost Management
description: >-
  FinOps view of Juspay spend. Juspay is a payments orchestration and checkout
  platform; cost is not a self-serve subscription but a negotiated commercial
  arrangement per merchant, generally driven by transaction volume and product
  mix (orchestration/routing, checkout, HyperSDK) and layered on top of the
  underlying acquirer/aggregator MDR that actually settles the funds. In India,
  bank-to-bank UPI carries zero MDR by NPCI mandate, so method mix (UPI vs cards
  vs netbanking vs wallets) materially changes blended cost per order. Juspay
  does not publish public per-transaction rates, so no per-unit rates are
  reconciled here.
notes: >-
  Per-transaction and orchestration rates are not reconciled - they are set by
  the Juspay commercial agreement. Model total payments cost as Juspay's
  orchestration/platform fee PLUS the downstream gateway/acquirer MDR and any
  network/scheme fees, and track method mix as a primary cost driver.
sources:
- https://juspay.io/in
- https://juspay.io/in/docs/api-reference/docs/express-checkout/introduction
- 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: Juspay
serviceCategory: Payments and Financial Infrastructure
billingModel:
  pricingCategory: Usage-Based
  billingFrequency: Monthly
  billingCurrency: INR
  chargeCategories:
  - Usage
  - Purchase
  - Adjustment
focusColumns:
  ServiceName: Juspay Payments Orchestration
  ServiceCategory: Payments and Financial Infrastructure
  ProviderName: Juspay
  PublisherName: Juspay
  InvoiceIssuerName: Juspay
  BillingCurrency: INR
  ChargeCategory: Usage
  PricingCategory: Usage-Based
meters:
- name: transactions_processed
  description: Payment transactions orchestrated/processed through Juspay, the primary billing driver (rate negotiated, not public).
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
  - payment_method
  - gateway
- name: refunds_processed
  description: Refunds issued through the platform; instant refunds may carry different economics than standard refunds.
  unit: transactions
  aggregation: sum
  dimensions:
  - merchant
  - refund_type
- name: settled_volume
  description: Gross rupee volume settled, against which downstream acquirer/aggregator MDR applies.
  unit: currency
  aggregation: sum
  dimensions:
  - merchant
  - payment_method
principles:
- name: Visibility
  description: Track transaction count and settled volume by payment method and gateway; separate Juspay's orchestration fee from downstream MDR and scheme fees.
- name: Allocation
  description: Attribute payment cost per merchant entity, product line, and payment method so blended cost-per-order is visible to each team.
- name: Optimization
  description: Use smart routing to steer to lower-cost gateways, and account for zero-MDR UPI when shaping method mix and checkout defaults.
- name: Accountability
  description: Review monthly transaction economics against the Juspay agreement and downstream acquirer invoices; watch method-mix shifts that move blended cost.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com