specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Method Financial
providerId: method-fi
created: '2026-06-20'
modified: '2026-06-20'
reconciled: false
tags:
- FinTech
- Payments
- Liabilities
- Debt
- Embedded Finance
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Method Financial spend. Method bills usage of its
  connectivity and payments products - entity verification, Connect / liability
  discovery, account data refreshes (balances, payoffs, transactions,
  attributes), and ACH payment processing. Pricing is sales-led and contracted
  per customer, so unit rates are not public; cost is driven by the volume of
  verifications, connect requests, data refreshes, and payment transactions.
notes: >-
  Per-product unit rates are negotiated and not published. Meters below reflect
  the billable activities to track for allocation and optimization; confirm
  exact rates and invoice structure with Method.
sources:
- https://methodfi.com
- https://docs.methodfi.com
- 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: Method Financial
serviceCategory: Financial Services
billingModel:
  pricingCategory: Usage-Based
  billingFrequency: Monthly
  billingCurrency: USD
  chargeCategories:
  - Usage
  - Purchase
  - Adjustment
focusColumns:
  ServiceName: Method API
  ServiceCategory: Financial Services
  ProviderName: Method Financial
  PublisherName: Method Financial
  InvoiceIssuerName: Method Financial
  BillingCurrency: USD
  ChargeCategory: Usage
  PricingCategory: Usage-Based
meters:
- name: entity_verifications
  description: Identity / phone verification sessions (SMS, KBA, SNA, BYO) run per entity.
  unit: requests
  aggregation: sum
  dimensions:
  - account
  - method
- name: connect_requests
  description: Liability discovery requests that match an entity's accounts across the network.
  unit: requests
  aggregation: sum
  dimensions:
  - account
  - entity
- name: data_refreshes
  description: Balance, payoff, transaction, and attribute refreshes on connected accounts.
  unit: requests
  aggregation: sum
  dimensions:
  - account
  - product
- name: payment_transactions
  description: ACH payments created and settled between source and destination accounts.
  unit: transactions
  aggregation: sum
  dimensions:
  - account
  - status
- name: subscriptions
  description: Continuous monitoring subscriptions (e.g. portfolio intelligence) that fire update events.
  unit: subscriptions
  aggregation: sum
  dimensions:
  - account
  - bundle
principles:
- name: Visibility
  description: Track verification, connect, data-refresh, and payment volumes against the Method invoice.
- name: Allocation
  description: Tag entities and accounts with metadata mapped to internal teams and cost centers.
- name: Optimization
  description: Avoid redundant data refreshes; use webhooks/subscriptions instead of polling; scope connect to entities that need liability discovery.
- name: Accountability
  description: Assign owners per integration; review verification and payment volume monthly against budget.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com