specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Notch
providerId: notch-financial
created: '2026-06-21'
modified: '2026-06-21'
reconciled: false
tags:
- Accounts Receivable
- Accounts Payable
- B2B Payments
- Invoicing
- FinTech
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Notch spend. Notch is a sales-led AR/AP automation and B2B
  payments platform; it does not publish public per-call API pricing or
  self-serve plans. Spend is governed by a negotiated subscription plus
  payment-processing rates rather than metered API usage. With no public
  rate card or usage meters, cost attribution below is unreconciled and
  framed against documented product capabilities.
notes: >-
  Reconcile billing model, currency, and meters against a signed Notch
  agreement and invoice. Payment processing fees are negotiated and not
  publicly listed.
sources:
- https://www.notch.financial
- https://www.notch.financial/products/payment-processing-software
- 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: Notch
serviceCategory: Financial Operations and Payments
billingModel:
  pricingCategory: Subscription and Transaction Fees
  billingFrequency: not documented
  billingCurrency: not documented
  chargeCategories:
  - Usage
  - Purchase
focusColumns:
  ServiceName: Notch AR/AP Automation
  ServiceCategory: Financial Operations and Payments
  ProviderName: Notch
  PublisherName: Notch
  InvoiceIssuerName: Notch
  BillingCurrency: not documented
  ChargeCategory: Purchase
  PricingCategory: Subscription and Transaction Fees
meters:
- name: platform_subscription
  description: Negotiated subscription for the AR/AP automation platform (not publicly priced).
  unit: contract
  aggregation: sum
  dimensions:
  - account
- name: payment_processing
  description: Payment processing fees on collected card and EFT/ACH payments (negotiated, not publicly priced).
  unit: transactions
  aggregation: sum
  dimensions:
  - account
  - method
principles:
- name: Visibility
  description: Obtain Notch invoices and processing statements; track subscription plus per-transaction processing fees.
- name: Allocation
  description: Map Notch spend to the AR/AP function and to payer/customer cohorts where processing fees apply.
- name: Optimization
  description: Negotiate processing rates by volume; drive customers to lower-cost EFT/ACH and autopay to reduce manual collection cost.
- name: Accountability
  description: Assign finance ownership; review subscription and processing fees against collections lift monthly.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com