# Provenance stamped 2026-10-07 (roadmap#943): written by an API Evangelist sweep (dated 2026-05-24 by the file itself), not
# harvested from the provider. `method: generated` so the economics campaign may replace it with a
# dated, verbatim transcription; every figure below is unverified until it does.
# Coverage demoted 2026-10-07 (roadmap#942, PLAN.md Stage A): this file was written by an API Evangelist
# sweep and names no billing unit, meters or pricing category read from the provider — it restates the
# FinOps framework. It is `x-coverage: unmeasured`, and the FOCUS alignment it claimed has been removed.
x-coverage: unmeasured
method: generated
generated: '2026-05-24'
finopsFramework: "2025.1"
focus: "1.1"
provider:
  id: nuvei
  name: Nuvei
  url: https://nuvei.com
modified: "2026-05-24"
description: |
  FinOps mapping of the Nuvei commercial surface. Nuvei is a payments processor, so the cost
  surface is dominated by interchange, scheme assessment, gateway fees, and acquirer margin; it is
  primarily processing-volume and per-transaction billable, not consumption-of-compute. The FOCUS
  columns below describe how Nuvei invoice lines map into a FinOps dataset.
serviceCategory: Payments
serviceSubCategory: Payment Processing
billingFrequency: Monthly
charges:
- chargeCategory: Usage
  chargeClass: Standard
  chargeSubcategory: Card Processing
  description: Acquiring volume processed (Interchange++ or blended).
  unit: percent_of_volume
  pricingUnit: USD_per_USD_volume
- chargeCategory: Usage
  chargeClass: Standard
  chargeSubcategory: Per-Transaction Fee
  description: Flat fee per processed authorization/sale.
  unit: per_transaction
- chargeCategory: Usage
  chargeClass: Standard
  chargeSubcategory: APM Processing
  description: Volume processed via alternative payment methods.
  unit: percent_or_flat
- chargeCategory: Usage
  chargeClass: Standard
  chargeSubcategory: 3D Secure
  description: Per-authentication fee for 3DS calls.
  unit: per_authentication
- chargeCategory: Usage
  chargeClass: Standard
  chargeSubcategory: Refund
  description: Per-refund operational fee.
  unit: per_refund
- chargeCategory: Usage
  chargeClass: Standard
  chargeSubcategory: Chargeback
  description: Per-chargeback fee plus optional defense/representment fee.
  unit: per_chargeback
- chargeCategory: Usage
  chargeClass: Standard
  chargeSubcategory: Payout
  description: Per-payout fee differing by destination and corridor.
  unit: per_payout
- chargeCategory: Adjustment
  chargeClass: Credit
  chargeSubcategory: DCC Markup Share
  description: Merchant share of FX markup on DCC transactions.
  unit: percent_of_markup
- chargeCategory: Usage
  chargeClass: Standard
  chargeSubcategory: FX Settlement Spread
  description: Spread applied at multi-currency settlement.
  unit: percent
- chargeCategory: Subscription
  chargeClass: Committed
  chargeSubcategory: Platform Fee
  description: Recurring monthly platform fee.
  unit: per_month
- chargeCategory: Subscription
  chargeClass: Committed
  chargeSubcategory: Minimum Monthly Fee
  description: Floor charged when usage fees are below the minimum.
  unit: per_month
focusColumns:
  ServiceName: Nuvei Payments
  ProviderName: Nuvei
  PublisherName: Nuvei
  InvoiceIssuerName: Nuvei
  ChargeFrequency: Monthly
  PricingUnit: per_transaction|percent_of_volume|per_month
  Region: Global (52 acquiring markets, 200+ APM markets)
  CommitmentDiscountStatus: Negotiated
  BillingCurrency: USD|EUR|GBP|CAD|Other (per contract)
notes:
- Volumes and rates are governed by the merchant agreement and are not published as a public rate
  card.
- Many merchant agreements include settlement currency choice; reconciliation accounts for FX
  spreads at the settlement step.
- Chargeback and risk fees are operationally significant cost lines for high-risk verticals
  (iGaming, travel).