specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Midtrans
providerId: midtrans
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Payments
- Payment Gateway
- Indonesia
- Fintech
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Midtrans spend. Midtrans has no platform, setup, or monthly API
  fee - cost is incurred per successful transaction, priced by payment method
  (a percentage, a flat IDR amount, or both) and, for Iris, per payout. Because
  the fee is a merchant-discount-rate cut of payment volume rather than metered
  API usage, cost is driven by transaction mix (which methods customers choose)
  and gross payment value, not by call counts. Value-Added Tax applies to most
  methods (QRIS, GoPay, and ShopeePay are quoted VAT-inclusive).
notes: >-
  Per-unit rates here are indicative published list rates and are not reconciled;
  production rates are account-specific and negotiable at volume. Sandbox usage is
  free. The dominant cost lever is payment-method mix - steering customers toward
  lower-fee rails (QRIS, virtual account) versus cards materially changes blended
  cost of acceptance.
sources:
- https://midtrans.com/pricing
- https://docs.midtrans.com/docs/pricing
- https://docs.midtrans.com/docs/how-much-does-midtrans-charge-for-its-payment-service
- 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: Midtrans
serviceCategory: Payment Processing
billingModel:
  pricingCategory: Usage-Based
  billingFrequency: Per-Transaction
  billingCurrency: IDR
  chargeCategories:
  - Usage
  - Tax
  - Adjustment
focusColumns:
  ServiceName: Midtrans Payment Gateway
  ServiceCategory: Payment Processing
  ProviderName: Midtrans
  PublisherName: Midtrans
  InvoiceIssuerName: Midtrans
  BillingCurrency: IDR
  ChargeCategory: Usage
  PricingCategory: Usage-Based
meters:
- name: card_transaction_fee
  description: Per-transaction fee on card payments, approx 2.9% + IDR 2,000 (excl. VAT).
  unit: transaction
  aggregation: sum
  dimensions:
  - account
  - payment_type
  - currency
- name: ewallet_transaction_fee
  description: Percentage fee on GoPay/ShopeePay (approx 2%) and QRIS (approx 0.7%), VAT-inclusive.
  unit: transaction
  aggregation: sum
  dimensions:
  - account
  - payment_type
- name: bank_transfer_fee
  description: Flat per-transaction fee on virtual account / bank transfer, approx IDR 4,000 (excl. VAT).
  unit: transaction
  aggregation: sum
  dimensions:
  - account
  - bank
- name: disbursement_fee
  description: Flat per-payout fee for Iris disbursements to banks and e-wallets.
  unit: payout
  aggregation: sum
  dimensions:
  - account
  - beneficiary_bank
- name: tax_vat
  description: Value-Added Tax applied on top of applicable transaction fees.
  unit: currency
  aggregation: sum
  dimensions:
  - account
principles:
- name: Visibility
  description: Track fees by payment_type and bank so blended cost of acceptance is visible per rail and per order.
- name: Allocation
  description: Tag transactions by product/channel via order_id conventions and custom_field so payment fees map to internal cost centers.
- name: Optimization
  description: Steer customers toward lower-fee rails (QRIS, virtual account) where suitable; batch and right-size Iris payouts; avoid duplicate charges through order_id idempotency.
- name: Accountability
  description: Reconcile settlement reports against the notification webhook monthly; review fee mix and VAT against payment volume and margin targets.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com