name: Mangopay FinOps
description: Financial operations guidance for managing costs when using the Mangopay API platform. Pricing is usage-based with volume discounts. Key cost drivers are pay-in volume, payout volume, FX conversions, and identity verification.
url: https://mangopay.com/pricing
cost_drivers:
  - name: Pay-in Volume
    description: Transaction fees on card payments, bank transfers, and alternative payment methods. Volume-based tiered discounts reduce per-transaction cost as volume grows.
  - name: Payout Volume
    description: Fees per payout to bank accounts or recipients. Rates vary by destination country zone.
  - name: FX Conversions
    description: Currency conversion fees on cross-currency wallet transfers. Spot and guaranteed rate options available.
  - name: Identity Verification (KYC/KYB)
    description: Custom pricing for hosted identity verification sessions and document checks.
  - name: Fraud Prevention
    description: Custom pricing for Mangopay Profiler and fraud detection services.
optimization:
  - strategy: Maximize payment volume to unlock lower per-transaction rates through tiered discounts
  - strategy: Use wallet-to-wallet transfers (unlimited, no fee) for internal platform fund movements before payout
  - strategy: Batch payouts where business logic allows to minimize per-payout fees
  - strategy: Leverage webhook events to avoid polling API calls that count toward rate limits and add latency costs
  - strategy: Use virtual IBANs (no per-IBAN fees) for settlement to reduce external bank transaction costs
billing:
  cycle: monthly
  collection: automatic
  invoice_timing: Within 5 business days after the start of the month
  collection_method: Automatic deduction from platform revenue held in Mangopay
notes: >
  Mangopay does not publicly publish pricing. Engage with Mangopay sales to negotiate
  volume-based pricing tiers. Monitor the x-ratelimit response headers to stay within
  API call thresholds and avoid service interruption.