specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Moniepoint
providerId: moniepoint
created: '2026-05-24'
modified: '2026-05-24'
reconciled: false
tags:
  - FinOps
  - Payments
  - Nigeria
  - FOCUS
description: >
  FOCUS-aligned FinOps definition for the Monnify developer platform and the Moniepoint POS acquiring
  service. Monnify charges per transaction on collections (card, transfer, USSD), per transfer on
  disbursements (tiered NGN flat fee), and per bill on bills-payment; POS acquiring charges a percent
  capped fee per card transaction. Billing currency is NGN, with USD-equivalent reporting available on
  enterprise contracts.
sources:
  - https://moniepoint.com/payments
  - https://app.monnify.com
  - https://developers.monnify.com
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: Moniepoint Inc.
serviceCategory: Financial Services
billingModel:
  pricingCategory: Usage-Based
  billingFrequency: Daily
  billingCurrency: NGN
  chargeCategories:
    - Usage
    - Tax
    - Adjustment
    - Refund
  primaryUnit: transaction
  secondaryUnits:
    - NGN
    - transfer
    - bill
    - terminal
focusColumns:
  ServiceName: Monnify
  ServiceCategory: Financial Services
  ProviderName: Moniepoint
  PublisherName: Moniepoint Inc.
  InvoiceIssuerName: Moniepoint Inc.
  PricingCategory: Usage-Based
  PricingUnit: transaction
  BillingCurrency: NGN
meters:
  - name: card_collections
    unit: transaction
    aggregation: sum
    dimensions:
      - contractCode
      - currency
      - cardType
      - issuerRegion
  - name: bank_transfer_collections
    unit: transaction
    aggregation: sum
    dimensions:
      - contractCode
      - currency
      - sourceBank
  - name: ussd_collections
    unit: transaction
    aggregation: sum
    dimensions:
      - contractCode
      - currency
  - name: disbursements_single
    unit: transfer
    aggregation: sum
    dimensions:
      - contractCode
      - destinationBank
      - amountTier
  - name: disbursements_bulk
    unit: transfer
    aggregation: sum
    dimensions:
      - contractCode
      - destinationBank
      - amountTier
  - name: bills_processed
    unit: bill
    aggregation: sum
    dimensions:
      - contractCode
      - categoryCode
      - billerCode
  - name: pos_card_transactions
    unit: transaction
    aggregation: sum
    dimensions:
      - terminalSerialNumber
      - merchantId
      - cardType
  - name: pos_transfer_transactions
    unit: transaction
    aggregation: sum
    dimensions:
      - terminalSerialNumber
      - merchantId
  - name: settlement_volume
    unit: NGN
    aggregation: sum
    dimensions:
      - contractCode
      - settlementBank
discounts:
  - name: enterprise_volume_discount
    description: Negotiated per-merchant pricing on high-volume contracts (Monnify Enterprise).
    appliesTo:
      - card_collections
      - bank_transfer_collections
      - disbursements_single
      - disbursements_bulk
reporting:
  invoices: Daily settlement statements via Monnify dashboard and email.
  api:
    - GET /api/v1/transactions/find-by-settlement-reference
    - GET /api/v1/settlements
  webhooks:
    - SETTLEMENT
    - WALLET_TRANSACTION
    - LOW_BALANCE_ALERT