specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: NowCerts
providerId: nowcerts
created: '2026-07-10'
modified: '2026-07-10'
reconciled: false
tags:
- Insurance
- Agency Management System
- AMS
- Insurtech
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of NowCerts (Momentum AMP) spend. NowCerts is a flat per-agency
  SaaS subscription billed monthly, with tiers (Essentials, Professional,
  Business, Enterprise) that bundle storage and a per-tier number of API
  integrations, plus per-additional-user pricing. The API itself carries no
  separate metered fee - its cost is the subscription tier required to unlock
  API integrations (Professional and above) and any additional user seats. Spend
  is therefore driven by tier selection and seat count rather than by API call
  volume.
notes: >-
  Per-unit rates are not reconciled here and have shifted over time; verify
  current tier prices, additional-user cost, and API-integration caps on the
  official pricing page. There is no usage-metered API billing to model - the
  meters below track the seat- and tier-based cost drivers.
sources:
- https://www.nowcerts.com/pricing
- https://www.getapp.com/industries-software/a/nowcerts/
- https://api.nowcerts.com/Help
- 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: NowCerts
serviceCategory: Insurance Agency Management Software
billingModel:
  pricingCategory: Subscription
  billingFrequency: Monthly
  billingCurrency: USD
  chargeCategories:
  - Purchase
  - Usage
  - Adjustment
focusColumns:
  ServiceName: NowCerts (Momentum AMP)
  ServiceCategory: Insurance Agency Management Software
  ProviderName: NowCerts
  PublisherName: NowCerts
  InvoiceIssuerName: NowCerts
  BillingCurrency: USD
  ChargeCategory: Purchase
  PricingCategory: Subscription
meters:
- name: subscription_tier
  description: The monthly subscription tier (Essentials, Professional, Business, Enterprise) that determines feature and API-integration access.
  unit: subscription
  aggregation: max
  dimensions:
  - account
  - tier
- name: user_seats
  description: Number of licensed user seats; additional users are billed per user per month above the tier allotment.
  unit: users
  aggregation: sum
  dimensions:
  - account
- name: api_integrations
  description: Number of API integrations in use against the per-tier cap (limited on Professional, unlimited on Business and Enterprise).
  unit: integrations
  aggregation: sum
  dimensions:
  - account
- name: file_storage
  description: File storage consumed against the per-tier storage allotment (roughly 10 GB to 1 TB).
  unit: bytes
  aggregation: max
  dimensions:
  - account
principles:
- name: Visibility
  description: Track which subscription tier and how many user seats each agency office holds; confirm whether the tier is chosen for API access it actually uses.
- name: Allocation
  description: Map seat count and tier to the office or team using NowCerts so cost is attributed to the right cost center.
- name: Optimization
  description: Right-size the tier to actual need - do not pay for Business/Enterprise unlimited API integrations if a Professional cap suffices; batch imports via bulk endpoints to keep integration count low.
- name: Accountability
  description: Assign an owner to review the NowCerts invoice against active seats and integrations, and watch for the vendor's known price changes at renewal.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com