specification: FinOps Framework
specificationVersion: '1.0'
schema: https://www.finops.org/framework/
provider: Omise
providerId: omise
created: '2026-07-12'
modified: '2026-07-12'
reconciled: false
tags:
- Payments
- Payment Gateway
- Thailand
- Southeast Asia
- Fintech
- FinOps
- Cost Management
- FOCUS
description: >-
  FinOps view of Omise (Opn Payments) spend. Unlike a metered SaaS API, Omise
  cost is transactional interchange-style pricing: a percentage of each
  successful payment, varying by payment method and by country (Thailand, Japan,
  Singapore). Cards typically carry the highest rate, local rails such as
  PromptPay carry a lower rate, and payouts/transfers and some value-added
  services may incur additional fees. Applicable VAT (for example 7% in Thailand)
  is added to fees. There is no per-API-call or subscription charge. Because
  cost scales with payment volume and method mix, the primary optimization levers
  are routing customers to lower-cost local methods where appropriate and
  reducing failed/disputed transactions.
notes: >-
  Per-transaction percentages are country- and method-specific and change over
  time; the rates referenced here (for example Thailand cards ~3.65%, PromptPay
  ~1.65%, plus 7% VAT) are indicative and NOT reconciled. Verify on the regional
  pricing pages during reconciliation. Enterprise/Payfac merchants negotiate
  custom rates.
sources:
- https://www.omise.co/en/pricing/thailand
- https://www.opn.ooo/sg-en/pricing/
- https://opn.ooo/jp-en/pricing
- https://docs.omise.co
- 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: Opn Payments
serviceCategory: Payments and Financial Services
billingModel:
  pricingCategory: Usage-Based
  billingFrequency: Per-Transaction
  billingCurrency: THB
  chargeCategories:
  - Usage
  - Tax
  - Adjustment
focusColumns:
  ServiceName: Omise (Opn Payments)
  ServiceCategory: Payments and Financial Services
  ProviderName: Omise
  PublisherName: Opn Payments
  InvoiceIssuerName: Opn Payments
  BillingCurrency: THB
  ChargeCategory: Usage
  PricingCategory: Usage-Based
meters:
- name: card_processing_fee
  description: Percentage fee on each successful card charge; rate varies by country.
  unit: percent_of_transaction
  aggregation: sum
  dimensions:
  - account
  - country
  - card_brand
- name: local_method_processing_fee
  description: Percentage fee on local methods (PromptPay, TrueMoney, banking, wallets), typically lower than cards.
  unit: percent_of_transaction
  aggregation: sum
  dimensions:
  - account
  - country
  - method
- name: transfer_fee
  description: Fees applied to payouts/transfers out to a recipient bank account (fee plus VAT).
  unit: currency
  aggregation: sum
  dimensions:
  - account
  - recipient
- name: vat
  description: Value-added tax added to processing and transfer fees (for example 7% in Thailand).
  unit: percent_of_fee
  aggregation: sum
  dimensions:
  - account
  - country
principles:
- name: Visibility
  description: Reconcile the fee, fee_vat, total_fee, and net fields on transfers and per-charge fees against dashboard settlement reports.
- name: Allocation
  description: Tag charges with metadata (order, team, storefront) to attribute processing cost to products and channels.
- name: Optimization
  description: Offer lower-cost local methods (PromptPay/banking) where suitable; reduce failed and disputed charges; consolidate payouts to limit transfer fees; negotiate volume rates.
- name: Accountability
  description: Review method mix and effective take rate monthly against payment volume and margins.
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com