specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Moyasar
providerId: moyasar
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Payments
- Payment Gateway
- Saudi Arabia
- mada
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Moyasar spend. Moyasar bills per successful transaction as a
  percentage of the processed amount (plus a small fixed fee on card schemes),
  with the rate varying by payment method - mada is cheapest, local Visa /
  Mastercard higher, international cards highest, and wallet methods (Apple Pay,
  STC Pay) at or near their underlying rate. Refunds may carry a small per-refund
  fee. There is no API-call fee and typically no monthly platform fee on the
  standard plan, so cost tracks payment volume and method mix. Settlement is
  net of fees on a rolling schedule (commonly T+2 for SAR).
notes: >-
  Per-method rates are modeled from public secondary sources, not an official
  Moyasar rate card, and are marked reconciled:false. The dominant cost driver
  is gross payment volume weighted by method mix; shifting volume toward mada and
  wallets lowers blended cost. Verify rates and settlement terms against the
  merchant agreement during reconciliation.
sources:
- https://moyasar.com/en/
- https://moyasar.com/en/resources/faqs/
- https://moyasar.com/en/products/payments-infrastructure/
- 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: Moyasar
serviceCategory: Payments and Financial Services
billingModel:
  pricingCategory: Usage-Based
  billingFrequency: Per-Transaction
  billingCurrency: SAR
  chargeCategories:
  - Usage
  - Adjustment
focusColumns:
  ServiceName: Moyasar Payment Gateway
  ServiceCategory: Payments and Financial Services
  ProviderName: Moyasar
  PublisherName: Moyasar
  InvoiceIssuerName: Moyasar
  BillingCurrency: SAR
  ChargeCategory: Usage
  PricingCategory: Usage-Based
meters:
- name: mada_volume
  description: Value processed on mada, billed as a percentage plus a fixed per-transaction fee.
  unit: transactions
  aggregation: sum
  dimensions:
  - account
  - method
- name: scheme_volume
  description: Value processed on Visa / Mastercard / Amex (local and international), billed as a percentage plus a fixed fee; international rate is higher.
  unit: transactions
  aggregation: sum
  dimensions:
  - account
  - method
  - region
- name: wallet_volume
  description: Value processed on Apple Pay, Samsung Pay, and STC Pay, billed at or near the underlying card / wallet rate.
  unit: transactions
  aggregation: sum
  dimensions:
  - account
  - method
- name: refund_fees
  description: Per-refund fees applied when a payment is refunded.
  unit: transactions
  aggregation: sum
  dimensions:
  - account
principles:
- name: Visibility
  description: Track gross payment volume and effective fee by method (mada vs scheme vs wallet) and by test vs live mode; reconcile settlements net of fees.
- name: Allocation
  description: Tag payments with metadata (order, team, product) so processing cost maps to internal cost centers.
- name: Optimization
  description: Steer eligible volume toward lower-cost methods (mada, wallets), minimize avoidable refunds, and batch payouts to control disbursement overhead.
- name: Accountability
  description: Assign an owner for payment-processing cost; review monthly blended fee rate and method mix against targets.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com