specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: KOMOJU
providerId: komoju
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Payments
- Payment Gateway
- Japan
- Fintech
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of KOMOJU spend. KOMOJU is a payment gateway, so cost is not a
  subscription or compute bill but a per-transaction processing fee deducted
  from settlements. There are no sign-up or monthly fees; each successful
  payment incurs a percentage fee that varies by payment method and region
  (for Japan: credit cards ~3.25%, konbini ~2.75%, bank transfer ~1.4%,
  Pay-easy ~2.75%, PayPay and similar wallets from ~3.5%, Rakuten Pay from
  ~4.4%, Paidy from ~3.5%). Because fees differ sharply by method, the payment
  method mix is the dominant cost driver, and net settlement equals gross
  volume minus method fees, refunds, and chargebacks.
notes: >-
  Per-transaction rates are indicative Japan-region published rates and are not
  reconciled against a specific merchant agreement. Verify current rates on
  en.komoju.com/pricing. Refunds, refund requests (for konbini and similar),
  and chargebacks affect net settlement and should be tracked as cost/adjustment
  categories.
sources:
- https://en.komoju.com/pricing/
- https://doc.komoju.com/reference/listsettlements
- https://doc.komoju.com/reference/showbalance
- 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: KOMOJU
serviceCategory: Payments and Financial Services
billingModel:
  pricingCategory: Usage-Based
  billingFrequency: Per-Settlement
  billingCurrency: JPY
  chargeCategories:
  - Usage
  - Adjustment
focusColumns:
  ServiceName: KOMOJU
  ServiceCategory: Payments and Financial Services
  ProviderName: KOMOJU
  PublisherName: KOMOJU
  InvoiceIssuerName: Degica
  BillingCurrency: JPY
  ChargeCategory: Usage
  PricingCategory: Usage-Based
meters:
- name: transaction_fee
  description: Per-transaction processing fee, charged as a percentage of the payment amount and varying by payment method.
  unit: percent_of_amount
  aggregation: sum
  dimensions:
  - payment_method
  - currency
  - region
- name: refund_adjustment
  description: Refunds and manual refund requests that reduce net settlement.
  unit: amount
  aggregation: sum
  dimensions:
  - payment_method
  - currency
- name: chargeback_adjustment
  description: Chargebacks and disputes that reduce net settlement (for merchants with the chargeback feature).
  unit: amount
  aggregation: sum
  dimensions:
  - payment_method
  - currency
principles:
- name: Visibility
  description: Track fees by payment method and currency via the Settlements and Balance endpoints; net settlement equals gross volume minus method fees, refunds, and chargebacks.
- name: Allocation
  description: Use external_order_num and metadata on payments to map processing fees back to products, channels, or business units.
- name: Optimization
  description: Steer customers toward lower-fee methods where practical (bank transfer ~1.4% vs card ~3.25% vs prepaid wallets much higher), and reduce chargebacks with 3D Secure and stored-credential compliance.
- name: Accountability
  description: Reconcile monthly settlements, review the payment-method mix against fee rates, and monitor refund/chargeback rates per method.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com